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 Free Business Account 2025Finanzfluss.de
Highest Interest Rate for Business 2025Für-Gründer.de
Top Mobile Banking 2024Handelsblatt.com
Top German Startups 2024LinkedIn
Best Business Account 2025BILD.de Best in Test- 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 2 months. When the promo period is over, you earn up to 3%**.
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% 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
- Get started
Standard
€0/month
Free of charge at all times- Accounts
- Included accounts12
- Interest account rate*4%
- Interest rate after 2 months promo period1%
- Currency exchange between own accountsFree
- Cards & Cashback
- Cashback up to5%
- Virtual and plastic cardsFree
- Card spending limit50.000 €
- Transfers
- Outgoing SEPA Instant transfersFree
- Fee for outgoing SWIFT transfersFrom 5 €
- Free bulk transfersUnlimited
- Fee for card top-up200 € free,
then from 1%,
min 0,49 € - Features
- InvoicingFree
- Bookkeeping documents included25
- Integrations (sevDesk, Lexware Office, DATEV, ...)Free
- 24/7 human supportYes
- Get started
Prime
€7,9/monthexcl VAT
2 months free trial- Accounts
- Included accounts15
- Interest account rate*4%
- Interest rate after 2 months promo period3%
- Currency exchange between own accountsFree
- Cards & Cashback
- Cashback up to10%
- Virtual and plastic cardsFree
- Card spending limit50.000 €
- Transfers
- Outgoing SEPA Instant transfersFree
- Fee for outgoing SWIFT transfersFrom 5 €
- Free bulk transfersUnlimited
- Fee for card top-up1.000 € free,
then from 1%,
min 0,49 € - Features
- InvoicingFree
- Bookkeeping documents includedUnlimited
- Integrations (sevDesk, Lexware Office, DATEV, ...)Free
- 24/7 human supportYes