If you want to create your company, opening a professional bank account is mandatory, therefore you must choose the bank that best suits your needs
In this article you will find a list of the best pro banks in 2022.
Is the professional bank account mandatory?
Opening a professional bank account is mandatory for companies. This step takes place just before the company's registration, and that is when you will deposit your share capital. However, if you are a self-entrepreneur or you are going to start an individual business, the opening of a professional bank account is not mandatory. However, all contractors must have a traditional bank account.
Why open a professional bank account?
Opening a professional bank account has many advantages. First, this bank account allows you to separate your business transactions from those you carry out in your personal life.
In addition, a professional bank account can give you access to certain rights that are exclusively reserved for businesses. You can, for example, get personalized support in managing your professional bank account. The benefits will vary depending on the bank you choose. In some cases, you can benefit from payment facilities and make free transfers, while other banks will offer you a free credit card or other free services.
The best pro banks for companies in 2022
For a person who owns a company, the opening of a professional bank account is mandatory and for self-entrepreneurs it is strongly recommended. Today, online banks offer very interesting offers for all professionals. The main advantage of an online bank account is that the services offered by thebank proare often cheaper thantraditional banks. Here is a list of the best online banking institutions for professionals:
Qonto
It is a professional account that facilitates businesses, and even entrepreneurs. The Qonto online bank offers an offer that targets all professionals, you can simplify the administrative management and finances of your business. If you choose this online bank, you will receive a Mastercard Business card. The price of a Qonto business account starts from 9 euros for a basic account and can go up to 39 euros per month for a premium account.
Hello Bank
Hello Bank Pro, is the pro offer of Hello Bank Online, which was created to support professionals. Hello Bank Pro has many advantages, beyond the price offered by this online bank, you benefit from some very practical tools for managing your business. The price of a pro online bank account with Hello Bank Pro is €10.90 per month.
Shine
Shine Online Bank offers very interesting rates, but also quality services for all professionals. It is an online bank that is based in France and offers an account opening in a few minutes. If you subscribe to a pro bank account with Shine online bank, you will have to pay between 7.90 euros for a basic account and up to 26.90 euros per month for a business account.
Boursorama
The Boursorama Pro offer is an account-free bank account offering, which includes a free Visa Ultim card, as well as various banking services for businesses. A Boursorama Pro account will cost you 9 euros per month.
In addition, all these banks also offer you other services, such asFree money withdrawals, reduced bank charges, etc.
How to choose your bank to open a business account?
Since many banks offeraccount for pros, it is not often easy for companies tochoose the bank that suits them. To determine which bank is right for you, there are some criteria that you need to consider.
These include the proposed benefits. Some banks are, for example, able to make available a dashboard withSub-accounts. With this feature, you have the opportunity to devote a sub-account to each project. This solution helps you control your savings better. Thanks to the sub-accounts, you can separate your cash. You can also use it to pay your various expenses:USSRAF, taxes, VAT, RSI, etc.
The bank can also offer you the automatic provision of taxes and taxes you have to pay every month or every three months, which represents25% to 30% of your turnovers. These expenses are automatically placed in a sub-account. You have the option to activate and disable this sub-account, according to your needs. By opening your account with banks offering these services, you can benefit from up to 60 features linked to your pro account.
It should be noted that the account can be opened with a traditional bank, a neobank or an online bank.