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

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

You can have both personal and freelance accounts simultaneously and seamlessly switch between them.
Quick support through chat or email. 24/7 availability.
Interest account
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%*.
Top-up and withdraw your funds any day, any time.* Money is immediately available upon withdrawal to your Business account.
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.
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.
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.
Tap on card to change color
Plans for freelancers
Best for busy professionals handling higher volumes who need advanced controls and faster operations
- Get started
Standard
Perfect for new freelancers and enterpreneurs testing essential business banking with no monthly fees
0 € / month
Free of charge at all times- Accounts & Interest
- Free accounts with unique IBANs12
- Initial fixed interest rate p.a.*4%
- Fixed interest rate p.a. after 4 months*0,5%
- Cards & Cashback
- Guaranteed unlimited cashback0,1%
- Cashback on selected categories and brands, up to2%
- Virtual and physical cardsFree
- Card spending limit50.000 €
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFT5 €
- Fee for card top-up200 € free,
then from 1%,
min 0,49 € - Support
- 24/7 human supportYes
- Get started
Prime
Ideal for growing solo businesses wanting more tools and smoother daily workflows at fair pricing
7,9 € / monthexcl. VAT
2 months free trial- Accounts & Interest
- Free accounts with unique IBANs15
- Initial fixed interest rate p.a.*4%
- Fixed interest rate p.a. after 4 months*2,5%
- Cards & Cashback
- Guaranteed unlimited cashback0,5%
- Cashback on selected categories and brands, up to4%
- Virtual and physical cardsFree
- Card spending limit50.000 €
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFT5 free per month, then 5 €
- Fee for card top-up1.000 € free,
then from 1%,
min 0,49 € - Support
- 24/7 human supportYes
- Get started
Pro
Best for busy professionals handling higher volumes who need advanced controls and faster operations
19 € / monthexcl. VAT
2 months free trial- Accounts & Interest
- Free accounts with unique IBANs20
- Initial fixed interest rate p.a.*4%
- Fixed interest rate p.a. after 4 months*2,6%
- Cards & Cashback
- Guaranteed unlimited cashback0,75%
- Cashback on selected categories and brands, up to6%
- Virtual and physical cardsFree
- Card spending limit50.000 €
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFT10 free per month, then 5 €
- Fee for card top-up1.000 € free, then from 1%, min 0,49 €
- Support
- 24/7 human supportYes
- Get started
Pro+
Built for full-time, high-volume freelancers seeking maximum perks and pro-level control, end to end
41 € / monthexcl. VAT
2 months free trial- Accounts & Interest
- Free accounts with unique IBANs30
- Initial fixed interest rate p.a.*4%
- Fixed interest rate p.a. after 4 months*2,7%
- Cards & Cashback
- Guaranteed unlimited cashback1%
- Cashback on selected categories and brands, up to8%
- Virtual and physical cardsFree
- Card spending limit50.000 €
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFT15 free per month, then 5 €
- Fee for card top-up1.000 € free, then from 1%, min 0,49 €
- Support
- 24/7 human supportYes
- InvoicingFree
- Documents to be attached for bookkeeping (on every paid plan)Unlimited
- Integrations (sevDesk, Lexware Office, DATEV, ...)Free
- Business travel cashback up to30%
- Crypto Earn rewards up to8% APY
- Maximum loan amount & repayment term250.000 €,
12 months - Fee for receiving card payments from clients (EEA cards), from0,79% (+0,25 €)