How to choose an online bank for your business in 2022?

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Online banks are gaining ground over traditional banking networks. They are aimed at a public looking for ease of use, management autonomy and above all lower prices than those charged by traditional banks.
Here is a Top 5 to facilitate your search.


Shine is an online bank launched in 2017 by Nicolas Reboud and Raphaël Simon. More than 50,000 users are already registered on shine and this number will surely increase over time. This bank is only available online.

The bank also offers free support for the creation of your business. A personal follow-upbank with different banking services is also available after the creation of the company and support with a chartered accountant. The price of support with the chartered accountant is 79 €/month.

The monthly tariff plan for a micro-enterprise starts at €3.90/month and for businesses €7.90/month.

Benefits :

  • Only for companies and freelancers
  • Account opening fast and easy
  • Personalized follow-up
  • Follow-up during the creation of a company
  • Several accompaniments
  • Different formulas adapted for micro-enterprises and companies
  • Responsive customer service available 7 days a week

Disadvantages :

  • Limit in terms of banking services
  • No contact by phone only by chat or email
  • Some common banking transactions are not free
  • Payment limit
  • Withdrawal limit


Qonto is a French online bank, created by Alexandre Prot, Steve Anavi in ​​2016. The bank has more than 150,000 users to date. Qonto is one of the banks offering the best offers on the market. The maximum payout limit is €60,000 and the maximum withdrawal is €3,000. Account opening is quick and easy.

The monthly tariff plan of Qonto is minimum 9 € and maximum 39 €. The plans are identical for enterprises and micro-enterprises.

Benefits :

  • Only for companies and freelancers
  • Easy to use mobile app
  • Capital deposit
  • 1 month free
  • Responsive customer service 7 days a week
  • virtual card
  • Free withdrawals

Disadvantages :

  • Payment limit
  • Withdrawal limit
  • Foreign exchange commission outside the EU


“The bank as mobile as you”. This slogan represents the bank N26 very well. N26 is a German bank created in 2013 by Valentin Stalf and Maximilian Tayenthal. This bank has services adapted to micro-enterprises and businesses.

The secure and easy-to-use application for beginners. There are no conditions for registration. N26 also gives the possibility to create virtual cards. And you can also create several sub-accounts to better manage your money outflows and inflows.

The monthly tariff plan of N26 Business at a free and maximum plan €16.90. The plans are identical for enterprises and micro-enterprises.

Benefits :

  • For micro-enterprises and companies
  • Easy to use mobile app
  • Ease of management
  • No minimum deposit
  • Instant transfers
  • Travel insurance
  • Free offer
  • Sub account max 10
  • Promotional offer
  • virtual card
  • Responsive customer service 7 days a day

Disadvantages :

  • Paid withdrawals
  • Only available in 17 countries
  • High fees for withdrawals outside Europe
  • Ceiling not high enough


Wise business is an English bank that was created in 2011 by Kristo Käärmann and Taavet Hinrikus. This online bank is perfect for all international companies and freelancers. Account opening is free. No monthly fee to pay.

The app is also easy to use. Account management is made easier by automating tasks. The exchange rate is much lower than competitors. Opening an account is simple and free.

Benefits :Man with a phone and a bank card in hand

  • Payment in several currencies
  • virtual card
  • Automation of tasks
  • Cheaper exchange rate
  • Facilitates money transfers
  • Monthly free plan
  • High ceiling
  • Simplified management
  • Ease of opening an account
  • Advanced features
  • Fast customer service
  • virtual card
  • Online payment
  • Free withdrawals up to €220

Disadvantages :

  • Available in some countries
  • No travel insurance
  • No cash back


Revolut business is by far the best bank for entrepreneurs and for businesses. This bank was created in 2015. Revolut is suitable for all businesses and entrepreneurs who are starting out.

Subscriptions adapted for each type of business. Opening an account is simple and free. Several virtual cards for better management of your business.revolut card with a coffee on a table

Benefits :

  • Multiple currency payment
  • Best market rates
  • Multi-function interface
  • Simplified expense management
  • Smart billing
  • Easy to use mobile app
  • Very secure bank
  • Ceiling fixing
  • virtual card
  • Technological security systems
  • Inexpensive and fast transfers
  • Customer service available
  • High ceiling
  • Online map offered
  • Online payment
  • Ease of opening the account
  • Sponsorship

Disadvantages :

  • Not interesting for local businesses

In conclusion

In summary, to launch your business in 2022, the most suitable online bank is Revolut. For its ease of management and for all the advantages it has. This bank list includes the best online banks. Physical banks are not suitable for online business. It is for this reason that this list only includes online banks. If you have the opportunity to test a new bank with advantages superior to those shown in this article, go for it!


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