Business online banking comparator

Compare Qonto and other online business banking services. Comparison made on August 1, 2019.

Qonto Qonto Anytime Anytime Boursorama Boursorama N26 N26 Shine Shine
Legal forms SAS, SASU, SARL, EURL, SC, micro-entreprises, professions libérales SAS, SASU, SARL, EURL, SC, micro-entreprises, professions libérales and associations Micro-entreprises Micro-entreprises Micro-entreprises, EURL, EIRL, SASU, SARL
Monthly pricing From €9 (excl. VAT) From €9,50 (inc. VAT) From €9 (inc. VAT) Free From €3,90 (inc.VAT)
Capital Deposit €50 alone, or included in yearly pack 200€ From €30 (exc. VAT) From €13 (exc. VAT) €69 alone, or included in a pack
Card transactions in euros Unlimited Unlimited Unlimited Unlimited Unlimited
Card transaction in foreign currencies 2% per transaction 2,99% per transaction 1,94% per transaction €0 per transaction €1 + 1,90% per transaction
ATM withdrawal €1 per withdrawal €1,5 per withdrawal Free 5 free withdrawals, then €2 per withdrawal €1 per withdrawal
Payment limits €20.000 per card on 30 rolling days €30.000 per month (with a limit 5.000€ per day) €1.500 on 30 rolling days €20.000 / month €10.000 on 30 rolling days
ATM withdrawal limits €1.000 per card on 30 rolling days €5.000 per month €310 on 7 rolling days €2.500 per day €3.000 on 30 rolling days (max withdrawal of €400 per day)
In/out SEPA transfers in euros From €9 (exc. VAT) From €19 (exc. VAT) From €30 (exc. VAT) From €13 (exc. VAT) From €24€ (exc. VAT) or all included for €36 with Jazz Pro
Outgoing SEPA transfers in foreign currencies 1% per transfer (18 currencies) From 0,70% + €2,50 per transfer 0,1% (minimum transfer amount of €20) 0,50% in average (minimum of €2 if amount is less than €400) From 0.06% per turnover
Incoming SEPA transfers in foreign currencies Free Bank fees 0,1% (minimum transfer amount of €20) 0,50% in average (minimum of €2 if amount is less than €400) Bank fees
Debits SEPA debits + B2B SEPA debits included €2 per SEPA debit mandate Included Visa card or Mastercard instant debit card SEPA debits included
Card reader 1,75% on transaction amount + €19 for card reader (to pay once) with iZettle 1,50% on transaction amount + €19 for card reader (to pay once) 1,75% on transaction amount + €19 for card reader (to pay once) with iZettle €52 / year 1,49% on transaction amount + €19 for card reader (to pay once) with SumUp
Type of card provided Debit Mastercard card Debit Mastercard card Visa Premier card or Visa Classic card Mastercard card Prepaid Mastercard card
Checkbook €1.34 €1.05 Free Free
Check cashing Maximum of €10.000 per month Between 1 and 10 deposit per month depending on your account 4 per month For Shine Prenium users only
IBAN French IBAN French or British IBAN French IBAN German IBAN French IBAN
Bank overdraft granted Customer support answering in less than 15 minutes N/A Maximum of €2.500 N/A N/A
Qonto
Legal forms SAS, SASU, SARL, EURL, SC, micro-entreprises, professions libérales SAS, SASU, SARL, EURL, SC, micro-entreprises, professions libérales and associations Micro-entreprises Micro-entreprises Micro-entreprises, EURL, EIRL, SASU, SARL
Monthly pricing From €9 (excl. VAT) From €9,50 (inc. VAT) From €9 (inc. VAT) Free From €3,90 (inc.VAT)
Capital Deposit €50 alone, or included in yearly pack 200€ From €30 (exc. VAT) From €13 (exc. VAT) €69 alone, or included in a pack
Card transactions in euros Unlimited Unlimited Unlimited Unlimited Unlimited
Card transaction in foreign currencies 2% per transaction 2,99% per transaction 1,94% per transaction €0 per transaction €1 + 1,90% per transaction
ATM withdrawal €1 per withdrawal €1,5 per withdrawal Free 5 free withdrawals, then €2 per withdrawal €1 per withdrawal
Payment limits €20.000 per card on 30 rolling days €30.000 per month (with a limit 5.000€ per day) €1.500 on 30 rolling days €20.000 / month €10.000 on 30 rolling days
ATM withdrawal limits €1.000 per card on 30 rolling days €5.000 per month €310 on 7 rolling days €2.500 per day €3.000 on 30 rolling days (max withdrawal of €400 per day)
In/out SEPA transfers in euros From €9 (exc. VAT) From €19 (exc. VAT) From €30 (exc. VAT) From €13 (exc. VAT) From €24€ (exc. VAT) or all included for €36 with Jazz Pro
Outgoing SEPA transfers in foreign currencies 1% per transfer (18 currencies) From 0,70% + €2,50 per transfer 0,1% (minimum transfer amount of €20) 0,50% in average (minimum of €2 if amount is less than €400) From 0.06% per turnover
Incoming SEPA transfers in foreign currencies Free Bank fees 0,1% (minimum transfer amount of €20) 0,50% in average (minimum of €2 if amount is less than €400) Bank fees
Debits SEPA debits + B2B SEPA debits included €2 per SEPA debit mandate Included Visa card or Mastercard instant debit card SEPA debits included
Card reader 1,75% on transaction amount + €19 for card reader (to pay once) with iZettle 1,50% on transaction amount + €19 for card reader (to pay once) 1,75% on transaction amount + €19 for card reader (to pay once) with iZettle €52 / year 1,49% on transaction amount + €19 for card reader (to pay once) with SumUp
Type of card provided Debit Mastercard card Debit Mastercard card Visa Premier card or Visa Classic card Mastercard card Prepaid Mastercard card
Checkbook €1.34 €1.05 Free Free
Check cashing Maximum of €10.000 per month Between 1 and 10 deposit per month depending on your account 4 per month For Shine Prenium users only
IBAN French IBAN French or British IBAN French IBAN German IBAN French IBAN
Bank overdraft granted Customer support answering in less than 15 minutes N/A Maximum of €2.500 N/A N/A

How does an online banking comparator work?

As an entrepreneur, you absolutely need to compare the different offers from online banks or neobanks. The benefits might vary from an offer to the other!

Online banks and special features

Neobanks or banks don't own the same licences as traditional banks. However, they can offer similar services for a business bank account: payment cards, French IBAN, real time payments. They also have an edge: being digital only. You don't need to make an appointment to open a business account or to deposit your share capital. You can use the same services, but better!

Online banks and accounting services

Besides fees, you will also want to compare the bookkeeping services that online banks can provide. All entrepreneurs that have done accounting before will confirm it: it's an energy and time wasting task! Having the opportunity to execute it via a banking service will help you focus on your project.

Online banks and fees

To compare the bank fees is essential. Indeed, online banks don't offer the same price plans and they might differ a lot from one to another. Besides the opening fees, some extra-cost could apply for special features or options. A good indicator of your needs is the legal form of your company!

Compare customer services of online banking services for professionals

The customer service is key when talking about online banks. You have to make sure someone will be able to answer your questions when needed! To compare the different customer services, an entrepreneur can always check the review on the internet, but a qualitative comparator will help him to spot the best ones.