El mejor neobanco para empresas en Europa en 2026
Comparativa de cuentas empresariales, herramientas para pymes y planes para autónomos en los neobancos de la UE. Actualizado en marzo de 2026.
El neobanco líder en Europa dedicado a las pymes. Más de 600 000 clientes, integraciones con Datev/Xero/QuickBooks, acceso multiusuario desde 9 € al mes.
Cuentas multidivisa en más de 40 divisas con datos bancarios locales en más de 8 países. Sin cuota mensual.
Cuenta empresarial gratuita para autónomos con un 0,1 % de reembolso en todos los gastos con tarjeta. Licencia bancaria de la UE, protección de depósitos de 100 000 €.
Desglose de la cuenta empresarial
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.
Tabla de características
| Banco | Nivel gratuito | Multiusuario | Gestión de gastos | Facturación | Contabilidad | API | Ideal para |
|---|---|---|---|---|---|---|---|
| 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 | ||||||