Revolut vs Finom vs Wise vs Qonto: Full Comparison

A complete feature-by-feature comparison of the top European business bank accounts, updated for March 2026.

Pricing Overview

Comparison of European business bank accounts
Bank	Starting Price	Free Transfers	FX Fee	Currencies	Best For	Rating
Revolut	€10/mo	10/mo	0.6%	30+	Best for multi-currency operations	★★★★☆ 4.3/5
Finom	Free	5/mo	0.15–1.0%	19+	Best for invoicing & cashback	★★★★★ 4.5/5
Wise	Free	0/mo	from 0.57%	40+	Best for FX rates & global payments	★★★★★ 4.6/5
Qonto	€9/mo	30/mo	0.56–1.80%	32+	Best for team expense management	★★★★☆ 4.4/5
Vivid	Free	Unlimited	0.5%	22+	Best for multi-currency IBANs	★★★★☆ 4.1/5
N26	Free	Unlimited	0%	1+	Best for freelancers on a budget	★★★★☆ 4.2/5
bunq	Free	0/mo	0.5%	22+	Best for VAT automation & expense controls	★★★★☆ 4/5

Feature Comparison

Feature comparison across all four banks
Feature	Revolut	Finom	Wise	Qonto	Vivid	N26	bunq
Free Plan	No (from €10/mo)	Yes (Solo)	Yes (pay-as-you-go)	No (from €9/mo)	Yes (Free Start)	Yes (Standard)	Yes (Free Business)
Multi-Currency Accounts	30 currencies	19 currencies	40+ currencies	32+ receivable currencies	22 currencies	EUR only	22 currencies
Built-in Invoicing	No	Yes (all plans)	No	Supplier invoices	No	No	No
Expense Management	Yes (Grow+)	Basic	No	Advanced (all plans)	Basic	No	Yes (Pro/Elite)
Cashback	No	Up to 3% (or uncapped)	No	No	No	0.1–0.5%	No
API Access	Yes (Grow+)	Yes (Pro/Grow)	Yes (all accounts)	Yes (Smart+)	No	Open Banking (PSD2)	Yes (Pro/Elite)
Batch Payments	Yes (Grow+)	No	Up to 1,000 recipients	Yes	No	No	XML batch (Pro/Elite)
Banking License	ECB (Lithuania)	E-money (NL, DNB)	E-money/PI (multiple)	France (ACPR #16958)	E-money (LU, CSSF)	Germany (BaFin/ECB)	Netherlands (DNB)
Deposit Protection	Up to €100,000	Safeguarded (BNP Paribas)	Safeguarded	Up to €100,000 (FGDR)	Safeguarded (Stichting)	Up to €100,000 (EdB)	Up to €100,000 (DGS)
Team Cards	Up to 200 virtual/member	Up to 13 per user (Smart)	Up to 2 debit cards	Unlimited (Business+)	Up to 4 cards (Enterprise+)	No (freelancers only)	3–10 Company Cards (Pro/Elite)
Accounting Integrations	Xero, QuickBooks, FreeAgent	DATEV, Sevdesk, Lexoffice	Xero, QuickBooks	DATEV, Xero, QuickBooks, TeamSystem	DATEV, Sevdesk	CSV/PDF export only	DATEV, Sage, NetSuite, Pennylane
SWIFT Transfers	Yes	Yes (all plans)	Yes	Yes	Yes (5–35/mo)	No	Via Wise partnership

Detailed Plans & Pricing

Revolut Business Plans

Plan	Price	Free Transfers	Cards	Key Features
Basic	€10/mo	10 local	1	Multi-currency account (30 currencies) · 10 free local transfers/month · EUR 1,000–1,500 free FX allowance/month
Grow	€35/mo	100 local + 5 intl	10	Everything in Basic · 100 free local transfers/month · 5 free SWIFT transfers/month
Scale	€125/mo	1000 local + 25 intl	30	Everything in Grow · 1,000 free local transfers/month · 25 free SWIFT transfers/month
Enterprise	Custom pricing	Unlimited local	Unlimited	Custom transfer and FX allowances · Unlimited cards · Dedicated account manager

Read full Revolut review →

Finom Plans

Plan	Price	Free Transfers	Cards	Key Features
Solo	Free	5 local	1	Local IBAN (DE, FR, IT, or NL) · SEPA transfers (EUR 2,500/month free volume) · 1 virtual card
Basic	EUR 10.99 billed monthly	50 local	4	Everything in Solo · SEPA transfers (EUR 25,000/month free volume) · 1 physical + 3 virtual cards per user
Smart	EUR 27.99 billed monthly	100 local	13	Everything in Basic · SEPA transfers (EUR 50,000/month free volume) · 3 physical + 10 virtual cards per user
Pro	EUR 149 billed monthly	200 local	20	Everything in Smart · SEPA transfers (EUR 100,000/month free volume) · 0.5% cashback uncapped (on spend over EUR 1,000)
Grow	EUR 339 billed monthly	200 local	20	Everything in Pro · 1% cashback uncapped (on spend over EUR 1,000) · SWIFT transfers (0.15% flat)

Read full Finom review →

Wise Business Plans

Plan	Price	Free Transfers	Cards	Key Features
Essential	Pay-as-you-go	0 local	2	No monthly fee — pay per transfer · Real mid-market exchange rate · Send to 160 countries
Advanced	One-time ~31 USD setup fee	0 local	2	Everything in Essential · Local account details in 24+ currencies · Payment links for collecting money

Read full Wise review →

Qonto Plans

Plan	Price	Free Transfers	Cards	Key Features
Basic	EUR 11 billed monthly	30 local	1	French IBAN with FGDR deposit protection · 30 SEPA transfers/month (EUR 0.20 overage) · 1 user
Smart	EUR 23 billed monthly	100 local	5	Everything in Basic · 100 SEPA transfers/month · 2 users
Premium	EUR 45 billed monthly	200 local	15	Everything in Smart · 200 SEPA transfers/month (EUR 0.10 overage) · 2 users
Essential	EUR 59 billed monthly	250 local	25	Everything in Premium · 250 SEPA transfers/month · Unlimited users (team plan)
Business	EUR 119 billed monthly	500 local	50	Everything in Essential · 500 SEPA transfers/month · 30 IBANs
Enterprise	EUR 249 billed monthly	10000 local	Unlimited	Everything in Business · 10,000 SEPA transfers/month (EUR 0.10 overage) · Unlimited users and cards

Read full Qonto review →

Vivid Business Plans

Plan	Price	Free Transfers	Cards	Key Features
Free Start	Free	Unlimited local	1	EUR business account · 22 currency IBANs · SEPA Instant (free)
Basic	€8.90 billed monthly	Unlimited local + 5 intl	2	Everything in Free Start · €10,000/month FX allowance · 5 free outgoing SWIFT/month (€5 overage)
Pro	€24.90 billed monthly	Unlimited local + 10 intl	2	Everything in Basic · €30,000/month FX allowance · 10 free outgoing SWIFT/month
Enterprise	€96 billed monthly	Unlimited local + 15 intl	3	Everything in Pro · €70,000/month FX allowance · 15 free outgoing SWIFT/month
Enterprise+	€319 billed monthly	Unlimited local + 35 intl	4	Everything in Enterprise · Custom FX allowance · 35 free outgoing SWIFT/month

Read full Vivid review →

N26 Business Plans

Plan	Price	Free Transfers	Cards	Key Features
Standard	Free	Unlimited local	1	Unlimited free SEPA transfers · Free SEPA Instant (up to €100,000/day) · 0% card FX markup (Mastercard rate)
Smart	€4.9/mo	Unlimited local	7	Everything in Standard · 1 physical card + up to 6 virtual cards · 10 Spaces for budgeting
Go	€9.9/mo	Unlimited local	7	Everything in Smart · Free ATM withdrawals outside Eurozone · Basic travel insurance
Metal	Billed yearly	Unlimited local	7	Everything in Go · Metal card (18g) · Comprehensive travel and purchase insurance (Allianz)

Read full N26 review →

bunq Business Plans

Plan	Price	Free Transfers	Cards	Key Features
Free Business	Free	0 local	0	3 IBANs · 1 virtual card · €0.13/SEPA transfer
Core Business	€7.99/mo	100 local	1	5 IBANs · 100 free SEPA/year (€0.13 overage) · 1 physical card
Pro Business	€13.99/mo	250 local	28	25 IBANs + 25 virtual cards · 250 free SEPA/year · 3 Company Cards included
Elite Business	€23.99/mo	500 local	35	Everything in Pro · 500 free SEPA/year · 10 Company Cards included

Read full bunq review →

Our Verdict

There is no single "best" business bank — it depends entirely on your priorities. If your business operates across borders, Wise delivers the lowest FX costs with no monthly fee. If you are a freelancer or solo entrepreneur in Germany, Finom combines banking with invoicing and cashback in a way no other platform matches.

For teams that need strict spending controls and expense automation, Qonto leads with its comprehensive card management and real banking license. And if you want a versatile, multi-currency account with a polished mobile experience, Revolut Business remains the default choice for thousands of European startups.

Many businesses use two accounts: one for international payments (Wise or Revolut) and one for daily operations (Qonto or Finom). This strategy lets you optimize both FX costs and operational efficiency.