Best Neobanks for Business and Freelancers in 2025

The financial needs of businesses and freelancers can be complex, with unique demands such as managing multiple transactions, tax compliance, and business expenses. Traditional banks often fail to provide the flexibility and convenience that modern entrepreneurs require. That’s where neobanks come in. These digital-first platforms offer an array of innovative financial solutions tailored to businesses and freelancers, including low fees, high-tech tools, and efficient payment processing.

In this article, we will explore some of the best neobanks for businesses and freelancers, helping you find the one that suits your needs.

Why choose a neobank for your Business?

Neobanks provide several benefits for businesses and freelancers, offering digital-first solutions that traditional banks often lack. Here are a few key advantages of using a neobank for your business or freelance operations:

1. Low Fees and Transparent Pricing: Neobanks offer competitive fee structures, often with no hidden charges, allowing businesses to manage costs effectively.
2. Easy Financial Management: With user-friendly apps, businesses and freelancers can easily track and manage their finances, keeping everything organized in one place.
3. Integration with Accounting Tools: Many neobanks provide seamless integrations with accounting and invoicing software, simplifying bookkeeping and financial tracking.
4. Fast and Low-Cost Payments: Neobanks offer efficient local and international payment solutions, ensuring fast and cost-effective transactions for businesses and freelancers.

150+ Neobanks for Businesses and Freelancers

Business neobanks cater specifically to the needs of companies, offering customized banking solutions. These digital-only platforms provide a suite of services tailored for businesses, such as multi-currency accounts, international payment options, and tools for managing expenses. Whether you’re running a growing startup or a well-established company, business neobanks can simplify financial management while helping to cut costs:

Which neobanks are best for businesses?

In this section, we will be discussing 3 alternatives that are focused in maximizing the experience of businesses:

Founded: 2019

Headquarters: Estonia

Users: +100,000 thousand

Countries available: 31

Account plans: 4 plan options

Founded: 2016

Headquarters: France

Users: +500,000 thousand

Countries available: 8

Account plans: 3 plan options

Founded: 2019

Headquarters: Netherlands

Users: +100,000 thousand

Countries available: 10

Account plans: 7 plan options

1. Wallester

Wallester provides a flexible digital banking solution tailored for businesses of all sizes, offering multi-currency accounts, customizable payment cards, and seamless integration with various business tools. It is designed to meet the needs of companies looking for scalability and efficiency in managing their finances.

Key Features:

• Multi-currency accounts and international payments
• Customizable payment cards for employees
• Easy integration with accounting tools
• Transparent pricing with no hidden fees

Best For: Businesses looking for a scalable, flexible, and customizable banking solution to manage multiple currencies and streamline operations.

However, if you still have doubts about Wallester being the right fit for you, just click here and find out more!

2. Qonto

Qonto offers an intuitive banking platform for freelancers, startups, and small businesses. With easy expense tracking, invoicing, and seamless integration with accounting software, Qonto is a go-to choice for businesses that need straightforward financial management.

Key Features:

• Multi-user access and team management
• Invoicing and expense tracking tools
• Integration with popular accounting software like Xero and QuickBooks
• Transparent pricing and no hidden fees

Best For: Freelancers, startups, and small businesses seeking an easy-to-use platform for managing business finances, from invoicing to expense tracking.

However, if you still have doubts about Qonto being the right fit for you, just click here and find out more!

3. Finom

Finom is a digital bank tailored for freelancers and small businesses, providing integrated payment processing, invoicing, and expense tracking. With a simple and low-cost pricing structure, it’s an ideal choice for independent workers who need an efficient, no-fuss banking solution.

Key Features:

• Integrated invoicing and expense management
• Multi-currency accounts and international payments
• Simple, low-cost subscription plans
• User-friendly mobile app

Best For: Freelancers and small businesses looking for a simple, affordable solution to manage payments and expenses without the complexity of traditional banking.

However, if you still have doubts about Finom being the right fit for you, just click here and find out more!

How to choose the right neobank for your business?

When choosing a neobank for your business or freelance operations, consider your specific needs, such as invoicing, multi-currency support, or integration with accounting software. Look for an account management system that simplifies tracking, expense categorization, and multi-user access for team collaboration.

Check for seamless integrations with business tools like QuickBooks or Xero, which can help save time and ensure accurate financial reporting. Also, review the fee structure—some neobanks offer free accounts, while others charge for additional services. Understanding the fees and transparency is key to choosing the right solution for your business.

Final Thoughts

Choosing the best neobank for your business or freelance work depends on your specific needs—whether it’s handling international payments, managing expenses, or integrating with accounting tools.

The neobanks listed above offer a variety of features that can help streamline financial management, reduce fees, and enhance the way you do business. Before selecting the right one, take time to consider your business size, international transactions, and additional services that may be important for your operations.

We hope we helped you in your search for the Best Neobanks for Businesses and Freelancers worlwide.

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