🏦 Which professional bank should you choose in 2026: N26 Business or Revolut Business?
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While N26 is the bank for independent travelers, Revolut is the tool for businesses that operate internationally. However, despite their advantages, both solutions have a major weakness: they do not offer funding direct nor of remunerated cash flow.
This is where it is positioned Heropay, the third way that offers you a free pro account, instant financing and cash that yields income (up to 5%).
Quick overview of N26 Business and Revolut Business
N26 Business in brief
German mobile bank, N26 Business is a pro account designed for self-employed And independents.
Its main advantage is the simplicity of its application and the foreign payments without fees, making it a partner of choice for professionals on the go. Account opening is 100% online and takes just a few minutes.
Revolut Business in brief
Revolut is a British fintech company that positions itself as a major player in the banking sector for professionals with international reach.
Its offer is aimed at both freelancers and companies (SMEs/SMEs). Its strong point is the management of multiple currencies and advanced functionalities for team management and expense reports.
| Colonne | N26 Business | Revolut Business | Heropay |
|---|---|---|---|
|
|
|
|
| from 0 to 16.90 € excluding VAT | from 0 to 90 € excluding VAT | from 0 to 39 € excluding VAT |
| Cashback on purchases, sub-accounts, travel insurance, foreign currency payments without fees. | Multi-currency management, invoicing tools, savings accounts, financing. | Instant financing, remunerated cash flow, French IBAN, Visa cards. |
| Chatbot, livechat, phone (depending on plan). | 24/7 chat (depending on plan). | Support client 7j/7. |
| Reduced fees abroad, cashback, insurance included, intuitive app. | Multi-currency management, team management tools, advanced features for SMEs. | Funding, remunerated cash flow, free pro account, quick opening. |
| Limited banking services, no overdraft, no capital deposit. | High prices for advanced features, impersonal customer support, no overdraft. | No capital deposit at this time. |
N26 Business and Revolut Business fees and rates
Pricing is one of the most important criteria.
N26 Business Pricing and Plans
N26 Business Standard (€0/month): The essentials with a virtual card, international payments without fees, and cashback of 0,1 %on purchases. Withdrawals in euros are limited to 3 per month.
N26 Business Smart (4,90 €/mois): Includes a customizable physical card,5 withdrawals in euros free per month, and 10 sub-accounts to organize your budget.
N26 Business Go (9,90 €/mois): For travelers, this plan offers free foreign currency withdrawals and one comprehensive travel insurance.
N26 Business Metal (€16.90/month): The top of the range with a metal card,8 withdrawals in euros free, and a cashback of 0,5 %.
Revolut Business Pricing and Plans
Revolut Business Basic (€10 excl. VAT/month): The entry-level offer, with a French IBAN, management of 25 currencies and 10 transactions toll-free.
Revolut Business Grow (30 € HT/mois): Includes amulti-currency account, 100 transfers/national and 5 international transfers per month.
Revolut Business Scale (€90 excl. VAT/month): For growing VSEs, with 1,000 transfers national and 25 international transfers free per month.
Revolut Business Enterprise (on request): The tailor-made offer for large companies, with priority support and personalized rates.
Features and services included
| Features | N26 Business | Revolut Business |
|---|---|---|
Application & Management | Intuitive, instant notifications and “Spaces” sub-accounts. | Very comprehensive, analysis tools, expense and team management. |
Financing & Treasury | Noneno financing or overdraft, no savings account. | None financing or overdraft, but offers a savings account on advanced plans. |
Equity Deposit & Withdrawal | Impossible to make a deposit of capital or checks. | Impossible to make a capital deposit, but offers online collection solutions (Tap to Pay, QR codes). |
International transactions | Foreign currency card payments free of charge. | Management of + 25 currencies, local accounts in several countries, interbank exchange rates. |
The advantages and disadvantages of each bank
| Colonne | Advantages | Disadvantages |
|---|---|---|
N26 Business | Reduced fees abroad, cashback on purchases, insurance included and intuitive application. | Banking services boundaries, no overdraft or capital deposit. |
Revolut Business | Multi-currency management, team management tools and advanced features for SMEs. | High prices for advanced plans, impersonal customer support, no overdraft. |
Which profile is N26 Business suitable for?
N26 Business can work if you are a self entrepreneur or freelance who manages his activity in a way 100 % mobile.
It's a great solution if you travel frequently or work with clients abroad, thanks to its fee-free card payments in foreign currencies.
Which profile is Revolut Business suitable for?
Revolut Business is designed for freelancers and SMEs who have a dimension internationally. If your business involves managing multiple currencies, working with teams located internationally, or buying and selling in foreign currencies, Revolut is right for you.
Which profile is N26 Business NOT suitable for?
N26 Business is not suitable if your business requirescheck depositsor species.
If you are the head of a company (SARL, SAS, etc.) and you need a capital deposit, N26 will not help you..
Which profile is Revolut Business NOT suitable for?
Revolut Business is not the best option for a self-employed person who does not travel.
International features won't be of any use to him, and the interface can seem complex. Additionally, advanced features, often necessary for businesses, are only available through the most expensive plans.
Use case: an ambitious solopreneur looking for a scalable banking offering
Jean is a baker and generates 200 000 €turnover. He wishes to modernize your business by equipping itself with payment terminals (EPT) and optimizing its cash flow.
The verdict: Neither N26 Business nor Revolut Business are obvious choices.
Although N26 offers a pro account, it is primarily a solution designed for self-employed people.
It does not support transaction volumes like John's, nor does it support cash or check deposits.
Revolut Business is a powerful solution for international businesses, but its features are too focused on currency and team management, which makes it potentially complex and expensive for a local business.
In this context, a solution like Heropay could be particularly relevant. It offers instant financing for the acquisition of its TPEs and a tool for remunerated cash flow, which directly meets Jean's modernization and financial optimization needs.
The Alternative to N26 Business and Revolut Business: Why Choose Heropay?
Heropay offers a more flexible and profitable solution for VSEs and SMEs. Unlike N26 and Revolut, Heropay integrates financial services for growing businesses.
Instant Financing: Heropay allows you to get cash in a few clicks to pay supplier invoices or speed up the collection of sales on marketplaces. This is a feature that neither N26 nor Revolut offers.
Remunerated Treasury: Your money doesn't just sit there! Heropay offers an annual gross return on your cash of up to 5%.
Free Pro Account.
Top Alternatives to N26 Business and Revolut Business
Heropay: The pro account that funds your ambitions, with instant financing and a deposit remuneration of up to 5%.
Qonto: One of the major French solutions for managing business finances, with accounting tools.
Shine: A pro account for freelancers and sole traders, including invoicing tools.
Finom: A pro account with a French IBAN and features for managing invoices and expenses.
Blank (La Banque Postale): A pro account offered by La Banque Postale.- Indy (pro account): A pro account that can integrate with accounting software.
Propulse by Crédit Agricole: A pro account solution from Crédit Agricole for freelancers.
Boursorama Pro / Business: The professional offer from the online bank.
Wallester Business: A solution for businesses focused on payment cards.- OnlyOne (Business): A professional bank that focuses on environmental impact.
FAQ sur N26 Business et Revolut Business
Which is the best free business account between N26 Business and Revolut Business?
For a self-employed person who needs simplicity and no-fee transactions abroad, the plan Standard de N26 Business corresponds. For a freelancer who has international needs, the plan Basic de Revolut Business is a better option, although it only offers a limited number of transfers.
Is Revolut Business suitable for VSEs and SMEs?
Yes. Revolut Business is designed to scale as businesses grow, with scalable plans that include advanced features for team management, expense management and mass transfers.
Is it easy to contact customer service at these banks?
The support of N26 Business is hierarchical: only the Metal plan offers a dedicated telephone line. That of Revolut Business is primarily based on 24/7 chat. Both solutions can have long response times for complex issues.