Today, if you have the project to create a company or a classic or online business, it is imperative to open a professional bank account. In this article, we are going to see which are the best professional banks in France for the coming year, 2021, which will certainly interest you if you are new to e-commerce or if you want to change banks.

Because as you certainly know, every entrepreneur must have a bank account dedicated to his commercial activity since 2015, strictly separate from the personal account.

In recent years, in France, the range of banking products and services has expanded and new players – mainly online banks – have come to compete with the country’s major banking institutions such as BNP Paribas, Société Générale, Credit Agricole, etc. This is called the neo-banks.

Choosing a professional bank for your business is an important choice, which must be considered.

All the professional banks in France offer almost all the same services: access to an online professional account, a free bank card, etc.

But you will have to take into account the specificities of your business. If, for example, you run an e-commerce site, you will need a Distance Selling Agreement (VAD) to collect payments online.

Obviously, the most important factor when you decide to open an account in a professional bank are the rates charged by it. And it is interesting to compare the rates of traditional banks and neo-banks, by closely analyzing the price of services, the various costs (account maintenance, bank card, irregularities, etc.), and the cost of access to online solutions, such as a mobile application or a website.

Traditional or online banking, it’s a big dilemma, and you will have to consider as many elements as possible before making your decision: service, security, means of payment, transparency, functionality and ergonomics of applications and websites, etc. .

You will also need to consider the size and structure of your business. For example, the neo-bank Shine, which we will examine below, seems perfectly suited to support individual entrepreneurs and microentrepreneurs.

You will also need to take into account your main expectations.

Do you want advice? Additional services? The possibility of making international transfers? Would you like to be able to benefit from an overdraft? Possibility of taking a loan, of borrowing? These are all questions you will need to think about.

Now is the time to discover the 5 professional banks that we have selected for you, in order to establish a comparison of the best performing Egypt Phone Numbers List banks, and to help you know which professional bank will be able to suit your business.

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Boursorama Pro
Boursorama Banque has been offering a professional offer since 2017. This online bank has become a benchmark in France and its formula dedicated to professionals aims above all to provide business leaders with simplified management resources, entirely online.

Here is what Boursorama Pro offers you, for an unbeatable price, € 9 per month, including tax, and free of charge.

You have the right to a current account accessible 24 hours a day on a mobile or web application, including innovative tools, such as a digital safe or an integrated account aggregator.

In addition, you will be able to benefit from an authorized overdraft capped at € 2,500 and a free Visa, Classic or Premier bank card. The latter will be appreciated by people who often go abroad.

It is also important to note that Boursorama Banque does not charge fees abroad for SEPA-type direct debits and transfers (in the euro zone).

Another advantage provided by Boursorama Pro is the possibility of using a savings book, called the Livret Pro, which is a real bonus if you have a lot of cash available at a given period. Admittedly, it does not bring in much (0.05% gross per year), but this is due to the current economic situation.

To be able to open a pro account with Boursorama, you simply need to be an entrepreneur or self-employed residing in France. All you have to do is send them the administrative documents relating to your business (URSSAF declaration, K-Bis, etc.) according to your status.

Note that Boursorama Banque is offering € 80 to all their new customers, as a welcome bonus!

Qonto

Here is another professional neo-bank that appeared only a few years ago, whose unique vocation is to support small businesses and the self-employed. Thanks to attractive bank rates, it has managed to find a place in the French banking landscape.

It is the prices that are the strength and success of Qonto . They are completely transparent and clear, and the monthly price for their basic plan, called Solo, is € 9!

At that price, you are entitled to a professional online bank account, including account maintenance fees, a credit card, and customer support available 7 days a week.

Qonto offers two other pro plans, the Standard (€ 29) and the Premium (€ 99) which provide additional services, such as a virtual credit card, the possibility of cashing checks and making bulk transfers, in particular.

And for larger companies, a plan called “Corporate” also exists.

In short, if you are a self-employed person, freelance, self-employed person, the Solo offer is perfect and very attractive, if you do not need overdraft authorization, credit, and a checkbook.

In addition, in this offer, the first 20 transfers are free and the following ones are charged only 0.5 €. And then Qonto gives you the first 30 days free, as a welcome offer.

In addition to its attractive bank rates, what made Qonto so successful is the practical and intuitive interface of its online services. One can easily perform all basic banking operations with just a few clicks.

On the other hand, this bank does not offer financing or the possibility of saving.

AXA Bank Pro

AXA Bank also offers an interesting banking solution for autoentrepreneurs and self-employed people, and besides, SAS / SARL / SASU / EURL type company statutes are not eligible for this account.

To open a Pro account with AXA Bank, nothing could be simpler, apart from having good status: you must be of legal age and deposit a minimum of € 50 when opening the account, and have some supporting documents (identity document, home, income). There is no income requirement and the online process is very simple. This pro account will cost you nothing, since it is free if you take a bank card. Without card, it’s only 4 € fee per quarter. On the menu: possibility of savings, authorized overdraft, checkbook, etc.

What is also interesting, and distinguishes AXA from neo-banks, is that you can open your professional account in one of the 900 branches in the country.

Withdrawals, on the other hand, are also free while the exchange rates charged by AXA are reasonable, compared to other banks of the same type.

In terms of payment methods, this bank provides a high-end service, with a Visa Classic or Premier bank card, a checkbook, and the possibility of unlimited SEPA transfers, in particular.

Regarding compatibility with payment terminals, note that AXA Bank Pro works perfectly with Yavin, SumUp, or iZettle.

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