The key points at a glance:
- Why an alternative? Revolut is strong when money moves across borders. For German business, though, everyday cashback is often missing, the higher plans start at around €35 a month, and account, investing and cashback rarely sit under one roof.
- The best alternatives in 2026: Vivid, N26 Business, bunq, Finom and Qonto. From accounting to a German IBAN, depending on what your business needs right now.
- Vivid is our pick. One account that brings together cashback with no monthly limit on all purchases, investing and sub-accounts with their own IBAN in a single app.
You are on Revolut and slowly noticing that your business has outgrown the account? You are not alone. Revolut is one of the best-known neobanks, and for getting started with digital banking it is a solid choice. But the more invoices, cards and reserves add up, the more often you hit the same limits: no cashback on everyday spending, a 0.5 to 1% surcharge on the rate at weekends, plus plans that get noticeably pricier with every extra. This comparison is for anyone looking for a business account. Whether you are founding a company, freelancing or running a small team does not matter at first.
To be clear from the start what this is about: business accounts, not personal accounts. You get a level-headed overview of the five serious Revolut alternatives in 2026, and at the end a clear recommendation on which account suits which need. No marketing speak. Numbers you can actually compare.
What does Revolut Business offer?
Revolut's offering
Revolut Business is built for teams that work internationally, and that is exactly where it plays to its strength: you manage 25+ currencies at the interbank rate, get a business debit card plus virtual and physical cards, and for spend management there are decent tools. Apple Pay and Google Pay are included. Real-time transfers too. And anyone sending money outside SEPA uses SWIFT. For teams you can set roles, approvals and spending limits. Plans range from Basic at around €10 through Grow from around €35 a month to Scale and Enterprise, and sole traders get Revolut Pro. Revolut is regulated under a Lithuanian banking licence with a branch in Germany supervised by BaFin. You can also invest and buy crypto, by the way, but separately in the Revolut app, not straight from the business account.
Revolut's limits for business
As strong as Revolut is across borders, plenty gets left behind in day-to-day German business. Cashback on payments? Nothing in the standard plan. At weekends a foreign-currency surcharge of 0.5 to 1% lands on top of the exchange rate, and it adds up if you often pay in foreign currency. For small teams the plans climb fast, because many features only arrive from Grow onwards. And accounting runs through Xero or QuickBooks rather than a direct DATEV connection, which rarely pleases your tax advisor. In short: these four points are exactly where the alternatives step in.
In short: Revolut scores on cross-border payments. For business it lacks cashback and an affordable entry, and only rarely do account, investing and cashback sit in one place. That is where the alternatives hook in.
Revolut alternatives at a glance
The most important providers as a Revolut alternative in a direct comparison, with starting prices, cashback, investing and accounting at a glance (as of 2026, please check with the provider).
| Provider | from €/month | Cashback | Investing | Sub-accounts | Multi-currency | DATEV export | Best for |
|---|---|---|---|---|---|---|---|
| Vivid | €0 | no cap (all purchases) | stocks/ETF/funds | own IBAN | yes | yes | freelancers–GmbH |
| N26 Business | €0 | 0.1% (Standard) | stocks/ETF | Spaces | limited | – | sole traders/freelancers |
| bunq Business | from €0 (Free) | – | – | yes | yes | export | SMEs |
| Finom | from €0 | yes | – | – | limited | invoicing | freelancers/SMEs |
| Wise Business | €45 one-off | – | – | – | 22 currencies | – | int. payments |
| Qonto | €0 (Starter) | 0.4–0.8% (card) | money-market fund | from Smart | EUR-only | yes | SMEs |
What matters in a Revolut alternative
Before you switch, it is worth looking at the points that really affect you day to day: from the IBAN to cashback to the question of how safely your money sits.
German IBAN or a foreign IBAN?
For invoices, direct debits and salaries you need an IBAN your partners accept without asking questions. N26 Business, Qonto and Vivid give you a German IBAN; some other providers use an IBAN from another EU country (a Lithuanian one, for example). With Vivid you use the local German IBAN for SEPA payments, plus a Luxembourg IBAN for international transfers. Within SEPA all IBANs are equal anyway, and a payment partner is not even allowed to refuse an IBAN from another EU country, that is the law. In practice a German IBAN still saves you the odd follow-up question with some payment partners.
Cashback compared
In everyday business, cashback is nothing other than money back in your pocket. Revolut Business pays none in the standard plan. N26 gives you 0.1% on the Standard plan, Finom offers cashback of up to 3%. With Vivid you get cashback with no monthly limit on every purchase, and especially on running expenses that makes a difference over a year that shows up in your balance.
International payments and exchange rate
If you often pay in a foreign currency, the rate decides your costs, not the small print. Revolut calculates at the interbank rate during the week, at weekends a surcharge of 0.5 to 1% comes on top. Wise transfers at the mid-market rate, the rate you also see on Google. Watch two things: the foreign-currency fee and the question of whether it really is a multi-currency account. With Vivid you see the rate before every transfer, pay in several currencies and have no hidden weekend surcharges.
Safety and regulation
Every provider here is regulated in the EU, none of them is a wild startup without oversight. N26 and bunq are banks, Revolut has a Lithuanian banking licence, Qonto is a payment institution and Vivid an e-money institution. At Vivid your money sits separately from company assets, which is called safeguarding. A statutory deposit guarantee up to €100,000 like at a traditional bank does not apply to e-money; instead safeguarding protects your balance. What matters more day to day is the plain question anyway: is the provider reachable, and does your money arrive on time?
Accounting and DATEV integration
If your tax advisor works with DATEV, a direct interface saves you both hours at month-end. Revolut relies on Xero or QuickBooks. Qonto and Vivid have the DATEV connection, and almost every provider allows at least a CSV export. It is worth a look here too: do receipts land straight in the account, and can invoices be written from the same app? With Vivid, invoicing tools and invoice management belong to it by default, so you are not juggling three programs.
Plans and fees at a glance
The price per month is only half the truth. Also look at how many SEPA transfers are included and what extra cards cost. Are there fees when you want to withdraw and deposit cash, or for foreign currency and an express payment? An account for €0 can end up pricier than a paid one once many single items pile up. Vivid starts with a Free Start plan at €0 a month, with no monthly account-maintenance fee at all. Anyone who needs more cards or extras picks a higher plan.
Vivid as a Revolut alternative
Revolut covers international payments, others shine at accounting. What hardly any provider brings together in one account is the combination of cashback, investing and sub-accounts. And this is exactly where Vivid comes in.
Vivid plans and pricing
Vivid gives you a business account with a Free Start plan at €0 a month, with no fee for the account. Anyone who wants more cards or extras moves up to a higher plan. You reach customer service right in the app. You open the account online via video or selfie ID, with no appointment at a branch.
What sets Vivid apart for business
Vivid bundles exactly the points that together make the difference:
Everything sits in one app: account, cards, investing and cashback, instead of three tools side by side. The cashback with no monthly limit on all purchases turns into real money over a year of running expenses. Investing lets reserves work instead of leaving them sitting dead in the account. And sub-accounts with their own IBAN separate tax reserves, projects and salaries so cleanly that at quarter-end you are no longer searching.
Who is Vivid for?
Vivid fits as a business account for freelancers and the self-employed, small companies as well as a GmbH and UG. Teams that work internationally and want to give up neither cashback nor investing are in the right place too. Because the plans scale upward from the €0 Free Start plan, the account grows with you, from the first invoice to a larger team.
Opening an account with Vivid
Opening an account runs online in a few steps. You enter details about your company, verify via video or selfie ID and activate the account. Switching from another provider is uncomplicated: you move existing payments over bit by bit. As a founder you are ready to go just as quickly as when switching. You find all the details on the page for the Vivid business account.
Bottom line: Vivid combines account, cashback, investing and several currencies in one app, a strong choice as a Revolut alternative for business.
More Revolut alternatives
N26 Business
N26 is a German bank, and you notice that in the tidy app with a German IBAN. The Standard plan costs €0 a month, plus there is 0.1% cashback. For solo self-employed people who like it simple and German, that is a good base. The catch comes later: the free N26 Business is for sole traders and freelancers only; a GmbH or UG needs N26’s separate, size-limited small-business account. N26 does offer stocks and ETFs, but what is missing is bundling broader investing, cashback and sub-accounts in one app.
bunq Business
bunq is a Dutch bank with plenty of sub-accounts, a strong app focus and several currencies. The Free plan for €0 is only for sole traders and freelancers; other businesses pay from €7.99 a month. Anyone who likes to run many pots and savings goals in parallel is flexibly set up. Only: bunq leans on savings interest rather than a cashback model like Vivid, and it does not offer investing in securities from the business account. Strong as a home for savings goals, less so as an all-in-one.
Finom
Finom targets freelancers and small companies and combines invoicing with cashback. Quote, invoice and incoming payment run together in one tool, which noticeably shortens the paperwork. The limit shows in the rest: the ecosystem is smaller than at the big providers, investing in securities is missing, and the features for several currencies are modest. Anyone who writes a lot and juggles little does well here.
Wise Business
Wise Business is the specialist for cross-border payments: 22 currencies, transfers at the mid-market rate, plus debit cards for several currencies. Anyone with clients or suppliers abroad gets fair rates here with no nasty surprise. The downside is in the small print: there is a one-off fee of €45 at setup, cashback and investing are nowhere to be found, and Wise is more an account for payments and currencies than a full business account with sub-accounts and German accounting.
Qonto
Qonto is a payment institution with a clear business focus: a German IBAN on all plans, DATEV and Lexoffice integration, One Card Mastercard and roles for the team. If accounting is at the centre for you, that is a rounded package. Only: alongside the free Starter plan the paid plans start at €9 a month, and the account holds euros alone. Cashback comes via the Plus and X cards, a stocks or ETF portfolio is missing, and only a money-market fund is on board.
Choosing the right Revolut alternative
Which alternative fits simply depends on your needs. Do you want cashback and investing in one account? The path leads to Vivid. Are you after a German IBAN from a bank? N26 Business is interesting, and for pure international payments Wise stays a good option. Anyone running many pots in parallel finds a flexible model at bunq, and for invoicing fans Finom is handy. And if accounting is ultimately in the foreground, Qonto is worth a look. A rule of thumb helps with the maths: do not count only the base price, but add cards, cash and international payments on top. Only this sum shows what an account really costs you over a year.
Conclusion: which Revolut alternative fits?
Revolut stays a solid choice for cross-border payments. But anyone looking for cashback, investing and sub-accounts in one account for business finds in Vivid the fitting all-in-one alternative. N26 Business, bunq, Finom and Qonto each cover individual needs depending on the focus. In the end your profile decides: solo self-employed, growing teams and companies set different priorities. The table and the criteria above help you make the right choice quickly.
A business account with cashback and investing in one app
Open your Vivid business account entirely online and bring together what other accounts keep separate: cashback with no monthly limit on all purchases, built-in investing and sub-accounts with their own IBAN.
Frequently asked questions (FAQ)
What is the best Revolut alternative?
The best Revolut alternative depends on what you need. For a business account with cashback, investing and sub-accounts in one app, Vivid is a strong choice. For payments abroad, Wise leads; and if your main concern is accounting, Qonto fits.
Is there a Revolut alternative with cashback?
Yes. Vivid pays cashback with no monthly limit on all purchases straight from the business account. N26 Business adds 0.1% on top on its Standard plan.
Which Revolut alternative has a German IBAN?
You get a German IBAN with N26 Business, with Qonto and with Vivid: for SEPA, Vivid gives you a local German IBAN, plus a Luxembourg IBAN for international transfers. Within SEPA all IBANs are equal anyway.
Is Vivid safer than Revolut?
Both are regulated. Vivid is an e-money institution and keeps your money separately, which is called safeguarding. The statutory deposit guarantee up to €100,000 as at a bank does not apply to e-money; instead safeguarding protects the balance.
What does switching to Vivid cost?
Switching accounts is uncomplicated: opening runs online, and you move existing payments and direct debits to the new account step by step.
Which alternative is best for international payments?
Wise and Vivid both offer a multi-currency account. At Vivid it sits inside a full business account with cards and cashback.
Which Revolut alternative has a DATEV integration?
You find the DATEV interface at Vivid and at Qonto. Revolut works with Xero and QuickBooks instead. At Vivid, invoicing tools belong to the account by default anyway.
Is there a Revolut alternative with no monthly fee?
Yes. Vivid, N26 Business, Finom and bunq each start at €0 a month. But watch for extra costs for cards, cash and international payments, since these vary from provider to provider.
As of July 2026. The information on Revolut, N26, bunq, Finom, Wise and Qonto was compiled to the best of our knowledge based on the official provider websites and may change at any time, in particular prices, plans and conditions. No claim is made to completeness or accuracy. Please check the current conditions directly with the respective provider. Revolut, N26, bunq, Finom, Wise and Qonto are trademarks of their respective companies; there is no business relationship between Vivid and these providers. Investment and interest products are provided by Vivid Money B.V. Investing involves risk; the value of an investment can go up or down, and past performance is not an indicator of future results.
