Treezor Treezor
Price on request
- Frais mensuels: 0 €
- Transactions gratuites: Illimité
- Taux de découvert: Aucun
- Fonctionnalité clé: Plateforme BaaS
Live offers across tracked providers in France — updated daily from the Giraffy database.
20 live offers compared from 16 providers. Updated daily.
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Business banking (compte professionnel) provides the accounts, payment tools and financing that companies, freelancers and self-employed micro-entrepreneurs need to operate. French companies (SARL, SAS and similar) are legally required to hold a dedicated business account to deposit share capital and separate company money from personal funds; sole traders often need one too depending on turnover.
Two camps compete. Traditional banks — BNP Paribas and Société Générale — offer full-service relationships with dedicated advisers, lending and cash management. A strong wave of French néobanques and fintechs — Qonto, Shine, Finom and Memo Bank — provide fast online onboarding, French IBANs, integrated invoicing and expense tools, while infrastructure players such as Treezor and Stripe France power payments and embedded finance for other businesses. France's large population of micro-entrepreneurs (auto-entrepreneurs) and small SAS companies created strong demand for low-cost, admin-light accounts, which the neobanks met with tools tailored to French obligations such as URSSAF declarations and VAT. Traditional banks remain important where a business needs financing lines, merchant card acceptance (TPE), or the credibility of a long-standing relationship with an adviser.
Clean separation — Keeps company and personal finances distinct, which is essential for accounting and required for many company types.
Built-in admin tools — Neobanks bundle invoicing, receipt capture, VAT tracking and accountant access.
Fast setup — Digital providers open accounts in days, useful for registering a new company and depositing capital.
Match the provider to your structure: a néobanque suits freelancers and small SAS/SARL wanting low fees and automation, while a traditional bank suits firms needing credit lines, cash handling or physical branches. Compare monthly fees, card allowances, transaction limits, cash-deposit options, and whether the account can receive share-capital deposits with a certificate (attestation de dépôt).
Qonto and Shine are the best-known French business neobanks for freelancers and SMEs; Finom and Memo Bank target growing companies with richer features and, in Memo Bank's case, lending. BNP Paribas and Société Générale remain the anchors for full-service corporate banking, while Treezor and Stripe France underpin payments infrastructure.
Pricing is usually a monthly subscription tiered by features — from budget plans for solo entrepreneurs to richer tiers with multiple cards and higher limits. Traditional banks price per service and relationship. Watch for charges on cash deposits, out-of-plan transfers, and physical cheque handling, which neobanks may limit or exclude. A solo freelancer might pay a low monthly fee for a simple account with a card and integrated invoicing, while a growing company with several employees, multiple cards and higher transaction volumes moves up to a richer plan. The real comparison is total cost for your actual usage: a cheap headline subscription can become expensive if you frequently deposit cash, need physical cheques, or make many transfers beyond the plan's included allowance.
Business accounts at banks and payment institutions are supervised by the ACPR. Deposits held at a licensed bank are covered by the FGDR guarantee up to €100,000 per company per bank; funds at payment institutions are instead safeguarded in segregated accounts, which works differently from the deposit guarantee. Providers must apply KYC checks, which is why company documents (Kbis, statutes) are required at onboarding.
Do I legally need a business account? — Companies must have one for share capital; micro-entrepreneurs need a dedicated account above a turnover threshold.
Can a neobank hold my share capital? — Several can issue the deposit certificate needed to register a company; confirm before choosing.
Are neobank funds guaranteed? — Only if the provider is a licensed bank; payment institutions safeguard funds separately instead.
Giraffy tracks 5 business banking options across Treezor,Qonto,Shine,Finom France,Memo Bank providers in France. Compare by monthly fee, included transactions, international transfer costs, and integration with accounting software to find the right fit for your business.
Legally you must have a separate business account if you're a limited company. Sole traders can use a personal account, but a dedicated business account simplifies bookkeeping, gives a more professional image, and makes tax returns easier. Most accounting software integrates directly with business accounts.
Requirements in France typically include: Certificate of Incorporation (for limited companies), business address proof, director and beneficial owner IDs, and a description of business activities. ACPR-regulated banks are required to conduct Know Your Customer (KYC) checks — digital-first providers often complete this online.
Business accounts usually charge a monthly fee (£5–£40 equivalent) plus per-transaction fees for cash handling and international transfers. Digital-only business banks like Tide, Starling, and Monzo Business offer lower-cost or fee-free entry plans. Traditional banks typically include more cashflow tools and relationship banking.
Many business bank accounts include access to a business credit card, overdraft facility, or invoice financing. These are subject to a business credit check. Separating business credit from personal credit helps protect your personal score if the business encounters cash flow difficulties.
Digital-first providers can open accounts in 24–48 hours. Traditional banks typically take 5–15 working days due to enhanced business due diligence. Having all documents ready (company certificate, director IDs, utility bills) in advance significantly speeds up the process.