For internationally active freelancers Bunq is an interesting option thanks to local IBANs in five European countries and savings accounts in three currencies.
(Photo: Caiaimage/Getty Images)
Cologne A digital business account is primarily suitable for self-employed people and freelancers who use it primarily for payment processing. Because if you don’t have to rely on the comprehensive service portfolio of a traditional bank, you can save time and money with neobanks and digital banks.
Everyday banking transactions are easy to carry out in the apps thanks to user-friendly interfaces. In addition, digital providers score points with services that are not available even at branch banks. However, the individual offers differ significantly.
Every year, the Frankfurt financial consultancy FMH determines the cheapest providers of digital business accounts exclusively for the Handelsblatt and rates the offers from “very good” to “poor”.
First place in this year’s ranking was shared by five accounts from three different providers with a grade of “very good”. However, which account is suitable also depends on the industry: different aspects are important for restaurants than for IT companies.
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