What's the best neo-pro bank in 2025?

What is a corporate neobank?

A corporate neobank is a 100% digital banking solution designed to simplify financial management for professionals.

It allows you to :

• Open an account online

• Access to everyday banking services

• Tools designed for the needs of professionals

Unlike traditional banks, neobanks have no physical branches. Everything is done via an application or website. What's more, they focus on the essentials: account management, bank cards, billing tools and more.

Pro neobanks are aimed at several categories of users, such as :

• Les freelances

• VSEs

• SMEs

• Les startups

Neobanks are therefore ideal for professionals who want to save time and simplify their day-to-day financial management.

What are the differences between an online bank and a neobank?

An online bank is a paperless version of a classic bank . It generally offers more products such as loans, savings and similar services to branches physical .

A neobank, on the other hand, offers only essential services such as account, cards and transfers, with 100% digital processing and lower rates . It focuses on user experience, speed and day-to-day management.

Why choose a neobank pro in 2025?

Simply put, choosing a neobank saves time and money. reduce bank charges . Here are the key benefits in 2025.

Easy to open

Opening an account in just a few minutes . Directly online, there's no need to make an appointment or provide paper documents. What's more, the account is often activated during the day .

Reduced rates

The offers are simple and affordable . Most start around 6 to 10 euros per month . There are no hidden fees. Users pay nothing no account management fees or hidden commissions.

Useful features

Neobanks offer tools tailored to the needs of professionals, such as :

• Multi-account creation to organize your business

• Physical and virtual cards

• Synchronization tools for your accounting system (automated exports, software integration), etc.

2025 comparison: the best neobanks for professionals

Here's a summary of the main offers on the market.

HeroPay

HeroPay is a unique solution at an unbeatable price . The offer is free for life, with no hidden charges and a French IBAN provided.

Users benefit from :

• A professional Mastercard

• Unlimited SEPA credit transfers

• An invoicing and quotation generator tool

• Administrative assistance.

The free offer Hero X is sufficient for simple management, but a Premium package at 6.90/month adds functions such as payment link collection and advanced invoicing.

It's a cost-effective way to get started, but its features are limited in terms of advanced services, and there are few advanced management options.

Shine

Shine bets on a fluid user experience with tools that make daily life easier for freelancers:

• Smart billing tool

• Unlimited accounting access

• Business start-up offer .

The application is well designed, with highly responsive support . The neobank was even awarded the prize for best customer service in 2024. However, the offer remains lighter for larger companies no multi-users or advanced accounting automation.

In terms of fees, the neobank offers 3 pro account offers at €11, €25 and €80 excl. tax/month and a free account.

Qonto

Founded in 2017, Qonto offers banking services aimed at both the self-employed and larger companies.

Recipe :

• For the self-employed 3 packages at 11, 23 and 45 euros/month excluding VAT

• For VSEs with 1 to 9 employees 3 packages at 49, 99 and 199 euros/month excluding VAT

• For SMEs with up to 250 employees 2 packages at 99 euros and 199 euros/month, plus a customized offer on request.

Revolut Business

Revolut Business vise companies with international operations .

Here are the pricing details:

• For freelancers Free (Free), Professional (€7/month excl. VAT), Ultimate (€25/month)

• For companies Free (Free), Grow (€25/month excl. VAT) and Scale (€100/month excl. VAT)

Blank

Blank combines a modern application with administrative support to simplify life for the self-employed.

Here are the details of the Blank offers:

• Essentiel at €6/month excl.

• Comfort at €17/month excl.

• Complete at €39/month excl.

Finom

Finom is a neobank founded in 2019 in the Netherlands.

In addition to the free offer, the Dutch neobank offers 3 packages with annual payment:

• Start from €7/month excl.

• Premium from €17/month excl.

• Corporate from €99/month excl.

Which neobank for which type of company?

Each type of company has its own specific needs. So, before choosing your neobank, you need to consider your status as well as the size of your business.

Self-employed contractor

An auto-entrepreneur has simple needs:

• Collecting payments

• Pay your bills

• Manage your income.

It doesn't require multiple users or complex management tools.

In 2025, the most suitable neobanks will be HeroPay and Shine . Shine offers ideal administrative support for those who want guidance. For its part, HeroPay offers its free, simple and 100% freelance-dedicated offer.

SAS / SARL

A company often has several expense items and several associates . It needs a tool that manages multiple accesses and cards, and facilitates accounting exports.

Qonto and HeroPay offer these functions:

• Unlimited transfers

• Multi-user management

• Card authorizations and expense tracking.

Hero permet account opening prior to registration, useful in the creation phase.

PME

In the case of SMEs, a business account must make it possible to monitor cash flow with efficient accounting automation . What's more, this type of company needs reliability and responsive support.

SMEs will find Hero a simple but functional offer, adapted to growing structures.

Finom is also a good alternative, with its accounting tools and cashback system.

Associations, SCI, Holdings

These structures sometimes find it difficult to open a business account with traditional banks. Qonto and HeroPay accept these statutes, subject to conditions, and offer tailored support to finalize account opening.

Which neobank is the cheapest?

In 2025, HeroPay stands out as the cheapest neobank with a basic fee of 6.90 excl. VAT per month and the possibility open an account with zero monthly fees . There are no set-up fees, and the French IBAN is included.

Can I have a French IBAN?

Yes, it's perfectly possible to have a French IBAN with a neobank, as long as you choose an establishment that offers one when you open your account.

Neobanks such as HeroPay, Qonto, Shine and Blank systematically allocate French IBANs. Revolut Business, on the other hand, does not provide French IBANs, which may pose a problem for certain administrative purposes.

Is this accepted by URSSAF?

Yes, provided that the account is opened in the name of the company or freelancer and used exclusively for professional transactions.

The account must enable management of social security contributions, payments and tax returns related to professional activity. It is important that the account is not used for personal purposes, in order to comply with URSSAF requirements.

Can I take out a loan or overdraft?

Some pro neobanks, such as HeroPay, Qonto et Shine In addition to the financing options offered by our customers, we also offer credit solutions in partnership with external financial institutions. However, these financing options are often subject to selection criteria and prior validation to guarantee the company's solvency.

Regarding overdrafts, no neobank allows you to manage a traditional authorized overdraft.

Professional neobanks offer simplified management, reduced costs and useful tools. Each company can find the offer that suits its business, depending on its specific needs and management priorities. In any case, Hero offers a flexible package, with the right tools to simplify day-to-day management, at the lowest possible cost.