Instant free business account, without SCHUFA query

5% interest rate on positive balance*
Up to 10% cashback on purchases
Integrations with sevDesk, Lexware Office, DATEV
Personal customer support 24/7 and dedicated customer success team

Open a business account

Best Business Account 2026

Trustpilot: Excellent! | 25,000+ reviews

Best Business Account 2026
Finanzfluss.de
Highest Interest Rate for Business 2026
Für-Gründer.de
No. 1 Business Investment Account 2026
Geschaeftskonten24.net
Top Mobile Banking 2025
Handelsblatt.com

Our latest recognitions for excellence in business banking, top interest rates and an innovative mobile experience

Plans built for every business

Monthly

Payment period

Annual

Save up to 24%

Optimal for growing companies with high activity and advanced needs — built to keep fast teams in sync

Free Start
Suited for newly registered companies setting up finances and looking to try key banking features for free
0 € / month

Free of charge at all times
Get started
- Accounts & Interest
  - Free accounts with German IBANs
    Unlimited
  - Initial fixed interest rate p.a.*
    4%
  - Fixed interest rate p.a. after 4 months*
    0,1%
  - Initial fixed interest rate p.a., USD/GBP*
    5%
  - Fixed interest rate p.a. after 5 months, USD/GBP*
    0,2%
- Cards & Cashback
  - Guaranteed unlimited cashback
    0,1%
  - Cashback on selected categories and brands, up to
    2%
  - Virtual and physical cards
    Free
  - Card spending limits for ads & IT services
    Unlimited
- Transfers
  - SEPA Instant
    Free
  - Incoming SWIFT
    Free
  - Outgoing SWIFT
    5 €
- Support
  - 24/7 human support
    Yes
  - Dedicated customer success team
    No
Basic
Great fit for small businesses with steady transactions needing reliable everyday banking at a low cost
6,9 € / month
excl. VAT
2 months free trial
Get started
- Accounts & Interest
  - Free accounts with German IBANs
    Unlimited
  - Initial fixed interest rate p.a.*
    4%
  - Fixed interest rate p.a. after 4 months*
    0,5%
  - Initial fixed interest rate p.a., USD/GBP*
    5%
  - Fixed interest rate p.a. after 5 months, USD/GBP*
    1%
- Cards & Cashback
  - Guaranteed unlimited cashback
    0,2%
  - Cashback on selected categories and brands, up to
    4%
  - Virtual and physical cards
    Free
  - Card spending limits for ads & IT services
    Unlimited
- Transfers
  - SEPA Instant
    Free
  - Incoming SWIFT
    Free
  - Outgoing SWIFT
    5 free per month, then 5 €
- Support
  - 24/7 human support
    Yes
  - Dedicated customer success team
    No
Pro
Optimal for growing companies with high activity and advanced needs — built to keep fast teams in sync
18,9 € / month
excl. VAT
2 months free trial
Get started
- Accounts & Interest
  - Free accounts with German IBANs
    Unlimited
  - Initial fixed interest rate p.a.*
    4%
  - Fixed interest rate p.a. after 4 months*
    1,3%
  - Initial fixed interest rate p.a., USD/GBP*
    5%
  - Fixed interest rate p.a. after 5 months, USD/GBP*
    2%
- Cards & Cashback
  - Guaranteed unlimited cashback
    0,5%
  - Cashback on selected categories and brands, up to
    6%
  - Virtual and physical cards
    Free
  - Card spending limits for ads & IT services
    Unlimited
- Transfers
  - SEPA Instant
    Free
  - Incoming SWIFT
    Free
  - Outgoing SWIFT
    10 free per month, then 5 €
- Support
  - 24/7 human support
    Yes
  - Dedicated customer success team
    Yes

Features you get on every plan

Invoicing
Free
Document uploads 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
200,000 €,
12 months
Fee for receiving card payments from clients (EEA cards), from
0,79% (+0,25 €)
Treasury (stocks, ETFs, crypto)
Free
Tax filing (for freelancers)
Free
Certified tax adviser (for freelancers)
99 € per month
or 990 € per year
POS terminal
Free
Flat transaction fee (all cards)
Up to 1.49%
Digital employees (personal and legal AI assistants)
Free

Get unlimited German IBANs online

Apply online in minutes

Quick, simple, and fully digital — no paperwork, no branch visits, no SCHUFA.

Fast review

60% instant decisions — get paid and make transfers immediately.

Account is ready to use

Enjoy unlimited IBANs, free SEPA transfers, and free physical & virtual cards.

Open a business account

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