Agencies in Germany are usually a GmbH, UG or a team of freelancers, so they need a company account with invoicing, team cards and accounting sync. Digital providers such as Qonto and Finom fit registered agencies, while N26 Business suits a solo owner trading in their own name.
Suits Agencies best
Depends on your legal form. Registered agencies and solo owners fit different providers.
Typical monthly fee
EUR 0 to about EUR 19 a month with digital providers, more at traditional banks, as of 4 May 2026.
Non resident position
Possible but harder. Many providers prefer a German address. Verify with the provider.
Providers that fit
3 covered here, 10 or more in the market
Fees and features as of 4 May 2026Last reviewed 4 May 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Most German agencies are registered as a GmbH or UG, which rules out accounts held in a personal name such as N26 Business. For a company, Qonto and Finom give a German IBAN, invoicing, team cards and accounting sync. A solo agency owner who trades under their own name can use the free N26 Business account. Compare the cost of the items you use, such as extra cards and transfers, not just the monthly fee. Figures shown as of 4 May 2026.
What Agencies in Germany need from a business account
Agencies bill clients on invoices, pay contractors and freelancers, and often run a small team that needs cards and clear expense tracking. The useful features are a German IBAN, invoicing with payment tracking, multiple cards with spend limits, and a sync to tools such as DATEV, Xero or QuickBooks Online so the bookkeeping stays current. If you work with overseas clients, multi currency receiving and fair exchange rates matter too. Cash handling is rarely a priority, which is why digital providers tend to fit.
Q
Qonto
A German company account with invoicing, team cards and accounting sync. Confirm current plan limits with Qonto.
If the agency is a GmbH or UG, use a company account such as Qonto or Finom that gives a German IBAN, invoicing and team cards. A solo owner trading under their own name can use the free N26 Business account. Compare the cost of the features you use. This is general information, not advice.
Can a GmbH agency use N26 Business?
No. N26 Business accounts are held in a personal legal name and are for the self employed, so a GmbH or UG cannot be the holder as of 4 May 2026. Use a company account instead. Verify with the provider.
How much does an agency account cost in Germany?
Digital providers range from EUR 0 a month for a solo owner on N26 Business to about EUR 9 to EUR 19 a month for a company account on Finom or Qonto, as of 4 May 2026. Extra cards and transfers can add to the cost. Confirm with the provider.
Do agency accounts include team cards?
Company accounts such as Qonto and Finom offer multiple cards with spend limits, often with a cap that varies by plan, as of 4 May 2026. Check the included number and the cost of extra cards with the provider.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 4 May 2026. Confirm current terms with the provider before applying.