Beste Neobank für Unternehmen in Europa 2026
Vergleich von Geschäftskonten, Tools für KMU und Tarifen für Freiberufler bei Neobanken in der EU. Aktualisiert im März 2026.
Europas führende Neobank speziell für KMU. Über 600.000 Kunden, Integrationen mit Datev/Xero/QuickBooks, Mehrbenutzer-Tarife ab 9 €/Monat.
Mehrwährungskonten in über 40 Währungen mit lokalen Bankverbindungen in über 8 Ländern. Keine monatliche Gebühr.
Kostenloses Geschäftskonto für Freiberufler mit 0,1 % Cashback auf alle Kartenausgaben. EU-Banklizenz, Einlagensicherung bis 100.000 €.
Übersicht über Geschäftskonten
Europe's leading dedicated SME neobank with 600K+ business clients. Best-in-class expense management with receipt OCR, approval workflows, and budget management. €448.7M revenue in 2024, profitable since 2023. Applied for French banking licence in July 2025. No retail personal accounts — 100% business focused.
Best for international payments and multi-currency businesses. 9 local bank details in different currencies. No monthly fee — pay per transfer. Not a full bank (EMI); no EDIS deposit protection, but funds are safeguarded. 16M+ personal + business customers.
5M+ business customers globally. Full EU banking licence via Lithuania (€100K EDIS). Most feature-rich business neobank with multi-currency, crypto payouts, and expense management. Freelancer Basic tier is free.
One of UK's top-rated SME banks with 500K+ business accounts. Free business current account with no monthly fee. Toolkit at £7/mo adds invoicing and bookkeeping. UK-focused only (not available in EU). Starling's 'Engine' banking-as-a-service platform powers banks in Romania and Australia.
UK-only business accounts. EU expansion (via Irish banking licence) is personal accounts only — Monzo Business is not available in EU countries. Strong for UK sole traders and small businesses. Free tier available with invoicing included.
Netherlands banking licence with €100K EDIS. Developer-friendly with fully open public API. Unlimited virtual cards on Pro XL. Good for Dutch and German businesses. No free tier — starts at €9.99/mo.
Pivoted entirely to SME/business banking in March 2025 — no longer offers retail personal banking as standalone. SoftBank-backed. Available in Germany, France, Spain, Netherlands, Luxembourg. DATEV integration strong for German businesses.
Limited to freelancers and self-employed — not suitable for companies with employees or teams. No expense management or invoicing. 0.1% cashback on all purchases is a differentiator for the free tier. German banking licence (BaFin).
Best for Nordic businesses (Denmark, Norway, Sweden). 40K+ business users. Integrates with Scandinavian accounting software. Danish banking licence with deposit protection. MiCAR-licenced for crypto services.
US-focused business banking. Partner-bank model via Choice Financial Group + Evolve Bank & Trust. Strong with SF/NY-area startups; ~200K business customers. // TODO(verify) on accounting-integration list.
Funktionsübersicht
| Bank | Kostenlose Stufe | Mehrere Benutzer | Spesenmanagement | Rechnungsstellung | Buchhaltung | API | Am besten geeignet für |
|---|---|---|---|---|---|---|---|
| Qonto | — | ✅ | ✅ | ✅ | DATEV, Xero | ✅ | SMEs, Freelancers |
| Wise | ✅ | ✅ | ✅ | ✅ | Xero, QuickBooks | ✅ | Freelancers, SMEs |
| Revolut | ✅ | ✅ | ✅ | ✅ | Xero, QuickBooks | ✅ | Freelancers, SMEs |
| Starling Bank | ✅ | ✅ | ✅ | ✅ | Xero, FreeAgent | ✅ | Freelancers, Sole traders |
| Monzo | ✅ | — | — | ✅ | Xero, FreeAgent | ✅ | Freelancers, Sole traders |
| bunq | — | ✅ | ✅ | ✅ | Xero, QuickBooks | ✅ | Freelancers, SMEs |
| Vivid Money | ✅ | ✅ | ✅ | ✅ | DATEV, Lexoffice | ✅ | SMEs, Freelancers |
| N26 | ✅ | — | — | — | Lexoffice, DATEV export | — | Freelancers, Self-employed |
| Lunar | ✅ | ✅ | ✅ | ✅ | e-conomic, Billy | ✅ | SMEs, Freelancers |
| Mercury | ✅ | ✅ | ✅ | — | QuickBooks, Xero | ✅ | startups, SMBs |
| Trade Republic | No business account | ||||||
| Chime | No business account | ||||||
| Varo Money | No business account | ||||||
| SoFi | No business account | ||||||
| Cash App | No business account | ||||||
| Nubank | No business account | ||||||
| Mercado Pago | No business account | ||||||
| Banco Inter | No business account | ||||||
| C6 Bank | No business account | ||||||
| Ualá | No business account | ||||||
| Revolut Singapore | No business account | ||||||
| GoTyme | No business account | ||||||
| Tonik | No business account | ||||||
| Kakao Bank | No business account | ||||||
| Up Bank | No business account | ||||||
| Liv. | No business account | ||||||
| Mashreq Neo | No business account | ||||||
| Kuda | No business account | ||||||
| Opay | No business account | ||||||
| TymeBank | No business account | ||||||
| Wio | No business account | ||||||
| stc Bank | No business account | ||||||
| Meem | No business account | ||||||
| ila Bank | No business account | ||||||
| Discovery Bank | No business account | ||||||
| Bank Zero | No business account | ||||||
| ALAT by Wema | No business account | ||||||
| Ally Bank | No business account | ||||||
| Discover Bank | No business account | ||||||
| Marcus by Goldman Sachs | No business account | ||||||
| Brex | No business account | ||||||
| Bluevine | No business account | ||||||
| Nequi | No business account | ||||||
| Klar | No business account | ||||||
| Stori | No business account | ||||||
| RappiPay | No business account | ||||||
| Banco PAN | No business account | ||||||
| Toss Bank | No business account | ||||||
| Bank Jago | No business account | ||||||
| WeBank | No business account | ||||||
| Trust Bank | No business account | ||||||
| Maya Bank | No business account | ||||||
| YAP | No business account | ||||||
| Zand | No business account | ||||||
| Nomo | No business account | ||||||
| Now Money | No business account | ||||||
| Carbon | No business account | ||||||
| M-Shwari | No business account | ||||||
| Chipper Cash | No business account | ||||||
| Mukuru | No business account | ||||||