Best Business Account 2025 for freelancers

Fast registration, German IBANs, free unlimited SEPA and SWIFT transfers, 4% interest rate, and all the financial tools you need to thrive.

Open a freelancer account

Best Business Account 2025
Finanzfluss.de
Highest Interest Rate for Business 2025
Für-Gründer.de
Top Mobile Banking 2025
Handelsblatt.com
Top German Startups 2024
LinkedIn
Trustpilot: Excellent!

Best Business Account 2025 for freelancers

Premium business account in 10 minutes

1Free, fully functional plan
2Free unlimited instant SEPA transfers
34% p.a. interest rate on positive balance
4Up to 10% cashback for every purchase
5Free physical and virtual cards

Seamless experience

Get an account with just a few clicks

Full online registration—no in-person step. Friendly onboarding: everyone's situation is unique and we consider each case individually.

Freelance and personal accounts

You can have both personal and freelance accounts simultaneously and seamlessly switch between them.

Fast human support

Quick support through chat or email. 24/7 availability.

Open a freelancer account

Please review our website to understand the scope of our services and our Privacy policy for the use and handling of your data.

Interest account

Earn 4% p.a. interest annually

Keep your funds in your Interest Account and earn 4% per year for the first 4 months. When the promo period is over, you earn up to 2,7%*.

Instant access to your money

Top-up and withdraw your funds any day, any time.* Money is immediately available upon withdrawal to your Business account.

We keep your money safe

To protect your money while offering a good return, we invest your money in Money Market Funds (MMF). All the funds we use have AAA/Aaa ratings from rating agencies such as S&P and Moody's and Fitch.

Open a freelancer account

Get up to 10% cashback for every card purchase

Pick your favourite cashback categories for the upcoming month. Receive up to €150 cashback/month on card purchases for the selected categories.

All purchases, up to 1%
Guaranteed unlimited cashback on all purchases, excl. ATM withdrawals and SEPA transfers.
Amazon, up to 10%
Purchases on Amazon.
Facebook advertising, up to 7%
Purchases of Facebook advertising.
Lidl, up to 6%
Purchases in Lidl.
More categories
Pick your favourite cashback categories every month.

Discover cashback

Free business cards with high spending limits

Free delivery of the first physical card.

High spending limits on each card to match your needs.

Make instant business purchases using Apple Pay or Google Pay on your smartphone.

Issue multiple cards — personalise them with different colours.

Open a freelancer account

Tap on card to change color

Plans for freelancers

Monthly

Payment period

Annual

Save up to 24%

Best for busy professionals handling higher volumes who need advanced controls and faster operations

Standard
Perfect for new freelancers and enterpreneurs testing essential business banking with no monthly fees
0 € / month

Free of charge at all times
Get started
- Accounts & Interest
- Free accounts with unique IBANs
  12
- Initial fixed interest rate p.a.*
  4%
- Fixed interest rate p.a. after 4 months*
  0,5%
- Cards & Cashback
- Guaranteed unlimited cashback
  0,1%
- Cashback on selected categories and brands, up to
  2%
- Virtual and physical cards
  Free
- Card spending limit
  50.000 €
- Transfers
- SEPA Instant
  Free
- Incoming SWIFT
  Free
- Outgoing SWIFT
  5 €
- Fee for card top-up  
  200 € free,
  then from 1%,
  min 0,49 €
- Support
- 24/7 human support
  Yes
Prime
Ideal for growing solo businesses wanting more tools and smoother daily workflows at fair pricing
6,9 € / month
excl. VAT
2 months free trial
Get started
- Accounts & Interest
- Free accounts with unique IBANs
  15
- Initial fixed interest rate p.a.*
  4%
- Fixed interest rate p.a. after 4 months*
  2,5%
- Cards & Cashback
- Guaranteed unlimited cashback
  0,5%
- Cashback on selected categories and brands, up to
  4%
- Virtual and physical cards
  Free
- Card spending limit
  50.000 €
- Transfers
- SEPA Instant
  Free
- Incoming SWIFT
  Free
- Outgoing SWIFT
  5 free per month, then 5 €
- Fee for card top-up  
  1.000 € free,
  then from 1%,
  min 0,49 €
- Support
- 24/7 human support
  Yes
Pro
Best for busy professionals handling higher volumes who need advanced controls and faster operations
19 € / month
excl. VAT
2 months free trial
Get started
- Accounts & Interest
- Free accounts with unique IBANs
  20
- Initial fixed interest rate p.a.*
  4%
- Fixed interest rate p.a. after 4 months*
  2,6%
- Cards & Cashback
- Guaranteed unlimited cashback
  0,75%
- Cashback on selected categories and brands, up to
  6%
- Virtual and physical cards
  Free
- Card spending limit
  50.000 €
- Transfers
- SEPA Instant
  Free
- Incoming SWIFT
  Free
- Outgoing SWIFT
  10 free per month, then 5 €
- Fee for card top-up  
  1.000 € free, then from 1%, min 0,49 €
- Support
- 24/7 human support
  Yes
Pro+
Built for full-time, high-volume freelancers seeking maximum perks and pro-level control, end to end
41 € / month
excl. VAT
2 months free trial
Get started
- Accounts & Interest
- Free accounts with unique IBANs
  30
- Initial fixed interest rate p.a.*
  4%
- Fixed interest rate p.a. after 4 months*
  2,7%
- Cards & Cashback
- Guaranteed unlimited cashback
  1%
- Cashback on selected categories and brands, up to
  8%
- Virtual and physical cards
  Free
- Card spending limit
  50.000 €
- Transfers
- SEPA Instant
  Free
- Incoming SWIFT
  Free
- Outgoing SWIFT
  15 free per month, then 5 €
- Fee for card top-up  
  1.000 € free, then from 1%, min 0,49 €
- Support
- 24/7 human support
  Yes

Features you get on every plan

Invoicing
Free
Documents to be attached for bookkeeping (on every paid plan)
Unlimited
Integrations (sevDesk, Lexware Office, DATEV, ...)
Free
Business travel cashback up to
30%
Crypto Earn rewards up to
8% APY
Maximum loan amount & repayment term
250.000 €,
12 months
Fee for receiving card payments from clients (EEA cards), from
0,79% (+0,25 €)
Treasury (stocks, ETFs, crypto)
Free

Compare all features