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Top Mobile Banks for Businesses in Europe

Top Mobile Business Banks

Find the best mobile bank and take your business to the next level!

Europe Europe – January 2021
  • Perfect for small businesses & freelancers
  • Benefit from automated banking & accounting
  • Save money on payments & transactions
PricingBusiness CardKey FeaturesScoreOpen an Account
  • Free Plan
  • Additional plans from €12/m
Holvi Card
2.5% ATM withdrawal fee
  • All-in-one banking, expenses, and bookkeeping
  • Free SEPA transfers
  • Invoices auto-sync to account reports
  • Unlimited account users
9.8
No monthly fees – Cancel anytime
Additional Features
  • Invoices auto-sync to account reports
  • Work seamlessly across devices
  • Unlimited account users
Great
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
Accounting Tools
  • Bookkeeping
  • Invoicing
  • Receipt capture
  • Expense management
Integrations
Sage Xero lexoffice
Support
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  • Plans from £5/m
Free ATM withdrawals
  • Automatic card top-ups
  • Free deposits and withdrawals from domestic accounts
9.5
Additional Features
  • Permissions and roles for users
  • Cards available in £, € and USD $
Great
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
Accounting Tools
  • Receipt capture
  • VAT management
Integrations
Xero Free Agent Sage
Support
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  • Free Plan
  • Additional plans from €9.90/m
Free ATM withdrawals (EUR)
  • 0.1% cashback for all your purchases
  • No minimum deposit required
9.1
Additional Features
  • Free transactions worldwide
  • Save money with sub-accounts
  • Categorised transactions
  • Downloadable statements in CSV or OFX
Excellent
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
Accounting Tools
  • Bookkeeping
Integrations
Transferwise
Support
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  • 30-day free trial
  • Plans from €9/m
Qonto Card
€1 ATM withdrawal fee
  • FR, IT, ES or DE IBANs
  • Allocate team budgets and track expenses via sub-accounts
8.8
Additional Features
  • Automatic VAT detection
  • SEPA transfers and direct debits
  • Specific authorisation levels for different roles
Great
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
Accounting Tools
  • Bookkeeping
  • Bulk payments
  • Automated finance management with Connect
Integrations
Acasi Azopio Bankin Ca compte pour moi Compta Clementine Comptastart Wity ebp
Support
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  • Free plan
  • Fees & charges apply
Transfetrwise Business Card
Free ATM withdrawals up to £200/30 days
  • Send, spend, and receive multiple currencies with real exchange rates
  • Assign roles & manage the account with your team
8.5
Additional Features
  • Automate payments and workflows with API
  • Downloadable statements
Great
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
Accounting Tools
  • Invoicing
  • Bulk payments
Integrations
Xero Free Agent
Support
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  • € 2.99 – € 19.99/m
Bunq Business Card
10 Free ATM withdrawals/m
  • International payments via TransferWise
  • Scanning and paying invoices within the app
8.2
Additional Features
  • Monitor employee access to main/sub-accounts
Great
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
Accounting Tools
  • Bbookkeeping
  • Invoicing
  • Bulk payments
Integrations
Jortt Moneybird MoneyMonk FactuurSturen e-boekhouden.nl Cash Gripp
Support
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  • Plans from £5/m
Pleo Card
£4 ATM withdrawal fee
  • Manage company expenses easily
  • Connect Pleo account to your bank account
7.9
Additional Features
  • Set spending limits for each card
  • Categorised transactions
  • Free top-ups (Pleo wallet & Pleo cards)
  • Upload online receipts and invoices
Excellent
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
Accounting Tools
  • Bookkeeping
Integrations
Xero Sage
Support
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1
Most Popular
Score
9.8
  • All-in-one banking, expenses and bookkeeping
  • Free SEPA transfers
No monthly fees – Cancel anytime
2
Score
9.5
  • Control your business spendings with a multi-user expense account
3
Score
9.1
  • Earn 0.1+% cashback for all purchases
4
Score
8.8
  • FR, IT, ES or DE IBANs
5
Score
8.5
  • A business account to send, spend, and receive multiple currencies with real exchange rates
6
  • VAT management tools
7
Score
7.9
  • Smart business cards. Simplifies company spending

Advertiser Disclosure

Top10MobileBanks is a comparison site that provides users with free information on leading mobile banks and related tools. We do not provide a listing of all companies in the market. We aim to help users make an informed choice that best suits their particular needs. We do not guarantee the accuracy of the information. The information appearing on Top10MobileBanks may be subject to change at any time, and it reflects our subjective opinion. Top10MobileBanks is supported by referral fees from listed companies.

What are Mobile Banks for Business?

Mobile banking options comprise an ever-increasing component of the financial services used by SMEs in the EU. Leading High Street banks are opening up additional channels to gain a competitive advantage in the mobile banking arena, on Android and iOS devices.

An array of Fintech banks operates alongside these established institutions, offering competitively-priced business services to account holders. Among others, business clients can apply for business cards, invoice services, complimentary transfers, perks and rewards, and spending controls on business accounts. The best mobile bank accounts for business offer a variety of features to business owners and staff, with all banking activity conducted on the go.

Business & personal online banking is the result of substantial technological progress, with mobile apps technology, mobile security, and banking services going mainstream. Mobile banking offers greater convenience and cost-effectiveness to both individuals and business clients.

Holvi for example, is a mobile bank for businesses featuring a complete set of solutions for managing your finances on desktop or mobile. This includes the creation of professional-looking invoices in seconds, managing invoicing data, and storing recipient information. Added to that are easy-to-use expense management options and effective bookkeeping services

Why Use a Mobile Bank for Your Business Needs?

Small and Medium Enterprises (SMEs) can benefit greatly from mobile banking services. With mobile banking, all that’s required to get started is a quick & easy download and installation of a mobile banking app.

  • Feature-rich banking options

A mobile bank account for business or a current account for business offers many benefits such as secure monitoring of spending habits, identifying suspicious activity, paperless statements and transactions, secure deposits of checks for business owners who are on the go, hassle-free banking without having to frequent land-based banks, and maximum control over the business’s money.

  • Maximum security

Mobile banking apps are highly sophisticated devices that allow business owners to instantly turn off business debit cards and credit cards if they go missing, or if fraudulent activity is suspected.

The card control features on mobile banking apps also allow account holders to monitor transactions, and receive mobile alerts for transactions, or for low balances. Other security features include 2FA (2 Factor Authentication) with verification required for transactions to process. These are among the many benefits of using a mobile bank for your business needs.

How to Compare Mobile Banks for Business?

Several factors need to be considered when comparing mobile banking options, namely:

Fees & pricing

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Fees may include foreign transaction fees, replacement card fees, ATM fees, cheque fees, account maintenance fees, inter-account transfer fees, outgoing wire transfer fees, deposit processing fees, ACH fees, minimum balance fees, et cetera. Pricing varies widely between mobile banks, with some offering a free plan, monthly pricing option, or annual pricing.

Payment options

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A current account like Soldo for business purposes typically offers debit cards for payments and withdrawals, and e-wallet compatibility such as ApplePay and Google Pay options.

Accounts and Features

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Mobile banks offer a variety of banking options such as savings accounts, checking accounts, 2-in-1 personal and business accounts, multi-currency options, budgeting tools, invoice tracking, and rewards programs

Safety and Security

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Mobile banking for business features ironclad security protocols such as SSL (secure socket layer) encryption, firewall protection, and 2FA (2 Factor Authentication). Bank-level security is assured with mobile banking apps for businesses.