In 2025, choosing a professional bank has never been more strategic for the self-employed, freelancers and growing businesses. Far from being a simple financial tool, the business account becomes essential in everyday operations. But with a growing number of offers, from established traditional banks to new 100% online players, it can be hard to know where to start.
So which is the best business account in 2025 for your profile and needs? Let’s break it down.
Summary
Why open a business account?
Even before searching for the best business account, you must understand why this type of account is essential once you operate independently or form a business.
It is a crucial step, here is why:
Legal obligation depending on your status
Opening a business account is mandatory for all companies (SARL, SAS, SASU, EURL, etc.). Without one, you cannot deposit your share capital or register your company in the trade register. It is a fundamental step.
Micro-entrepreneurs must open a dedicated account once their turnover exceeds €10,000 for two consecutive years. Even below that threshold, a separate account is highly recommended for proper management.
For each of these areas, you can open a free account with Vivid to access all the tools you need to manage your freelance work effortlessly, without any complications.
Simplified management of your business
Choosing the best business account is also about having a true financial dashboard. Unlike a personal account, a professional account allows you to:
A strategic choice for growth
In 2025, the bank offer is vast. You need to compare services, clear pricing, support responsiveness and other key elements.
Some banks also offer interest-bearing business accounts to grow your cash—like Vivid with its Interest Account that pays daily interest without ever locking your money!
Explore Vivid’s interest-bearing business account, the Interest Account that pays daily interest.
What should the best business account offer in 2025?
The best business account must go well beyond basic features offered by most providers to meet the expectations of modern entrepreneurs, freelancers and small business owners.
Simple and fast onboarding
Gone are the days of agency appointments, copious paper documents and waiting weeks to validate your account. The best business accounts today open in minutes, fully online, with automated identity verification and smooth interfaces.
This lets you start activity without delay, a critical criterion, especially for freelancers or sole traders.
With Vivid, your account is opened entirely online in just a few clicks
A comprehensive set of services
The best business account should include essential features such as:
Total fee transparency
Freelancers demand clarity on costs, so the best business account must offer:
Some online banks even offer free plans without compromising on basic features, like Vivid.
Best business accounts: offers from traditional banks
In 2025, major legacy banks like BNP Paribas, Crédit Agricole, Société Générale or Banque Populaire continue to offer well-established business accounts.
Key advantages
Important drawbacks
Who are they best suited for?
These offers are intended for structured SMEs, regulated professions or businesses with heavy financing needs. They remain a good fit for leaders seeking traditional banking relationships, access to classic business credit or bespoke wealth management.
However, they are far less suited to freelancers, independents or micro-entrepreneurs seeking simplicity, transparency and agility in managing their business account.
Best business accounts: ranking of online banks
Why are they appealing?
Top 5: best online business accounts in 2025
5. Anytime – a more traditional online pro solution
Ideal for traditional businesses wanting an online account with local support.
4. Revolut Business – the powerful international option
Ideal for companies working across borders.
3. Shine – a simple, human pro account
Great for micro-entrepreneurs, beginner freelancers and liberal professions.
2. Qonto – a complete yet pricier solution
Suited to SMEs or startups needing structured user roles.
1. Vivid – the best business account for freelancers and small businesses in 2025
Vivid leads thanks to its unique combination: free account, interest-bearing cash, powerful tools and a modern interface.
Vivid transforms the business account into a growth tool, not just a deposit account.
To help you make an informed decision, our article Top business banks 2025: comparing traditional and online options takes a deep dive into what each solution brings to the table. Discover which banking model best aligns with your needs and business ambitions.
Conclusion: which business account is best in 2025?
In 2025, choosing a business account goes beyond mere bank domiciliation. It is about selecting a growth partner capable of simplifying your daily life, optimising your cash reserves and adapting to your rhythm.
Vivid stands out as the best business account of 2025, especially for modern freelancers and entrepreneurs. Its free plan, up to 5% interest on cash reserves and mobile-first interface make it an essential ally to grow your business today.
With Vivid, you can open a free account and enjoy many benefits:
FAQ
What exactly is a business account?
A business account is a bank account dedicated exclusively to managing finances related to a professional activity (invoicing, purchases, salaries, taxes…). It is separate from your personal account and can be opened under a company or sole trader name.
Who must have a business account?
- Companies (SARL, SAS, EURL etc.): professional accounts are mandatory
- Sole traders: a separate account is mandatory if turnover exceeds €10,000 in two consecutive years, although a dedicated account is still advised
- Liberal professions: strongly recommended to avoid mixing personal and business finances
What documents are required to open a business account?
Requirements vary depending on status, but generally you need:
- Valid ID
- Proof of address
- Kbis extract or SIREN/SIRET number
- Company statutes (for legal entities)
- Proof of activity (invoice, quote, signed contract…)
How much does a business account cost?
Fees vary by bank:
- Traditional banks: from €20/month on average, excluding additional movement or card fees
- Online banks: from €0/month depending on features
