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
    Best Business Account 2025
    Finanzfluss.de
  • Highest Interest Rate for Business 2025
    Highest Interest Rate for Business 2025
    Für-Gründer.de
  • Top Mobile Banking 2025
    Top Mobile Banking 2025
    Handelsblatt.com
  • Top German Startups 2024
    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
DECountryGermany
Business typeSole proprietor
Legal entity typeKleingewerbetreibende
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.

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.

payment
  • 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
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

    7,9 € / 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 €)