Startups in Germany are usually a UG or GmbH that wants fast onboarding, team cards, accounting sync and, during formation, a way to deposit the share capital. Qonto and Finom offer company accounts from about EUR 9 a month, while Revolut Business adds multi currency features. A personal name account such as N26 Business cannot hold a company account.
Suits startups best
A company account with fast onboarding and good tooling. Qonto starts from about EUR 9 a month, as of 26 February 2026.
Typical monthly fee
About EUR 9 to EUR 30 a month, with free entry plans for very early solo founders, as of 26 February 2026.
Non resident position
Common for founders, and it slows GmbH onboarding due to enhanced checks. Verify with the provider.
Providers that fit
3 covered here, 10 or more in the market
Fees and features as of 26 February 2026Last reviewed 26 February 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Most German startups incorporate as a UG or GmbH, which requires a company account in the entity name, so a personal name account such as N26 Business cannot be the holder. Qonto and Finom offer company accounts with a German IBAN, team cards and accounting sync from about EUR 9 a month, and Revolut Business adds multi currency features from about EUR 10 a month, all as of 26 February 2026. During formation, check whether the provider supports a capital deposit account for the share capital. Compare onboarding speed, integrations and the cost of the items you use.
What Startups in Germany need from a business account
Startups value fast onboarding, a German IBAN, team cards with spend limits, expense management and a sync to accounting tools so the books stay current as the company grows. During formation a UG or GmbH needs a way to deposit the share capital before the commercial register entry. Founders with international customers or investors also value multi currency receiving. Branch access and cash handling are rarely priorities, which is why digital providers tend to fit a young company.
Q
Qonto
A company account with a German IBAN, team cards, expense management and accounting sync. Plan limits rise with price. Verify current plan details with Qonto.
Best for
Companies that want fast onboarding and strong tooling
Holds and exchanges several currencies with team cards and spend controls. Free local transfer allowances rise by plan. Confirm current pricing with Revolut.
Best for
Founders who want multi currency and cards in one app
Monthly fee
Basic about EUR 10 a month, as of 26 February 2026
These providers accept Startups in Germany. Fees and eligibility shown as of 26 February 2026. Confirm current terms with the provider before applying.
What business account is best for a startup in Germany?
Most German startups are a UG or GmbH and use a company account such as Qonto, Finom or Revolut Business for fast onboarding, team cards and accounting sync, as of 26 February 2026. Compare the features you use, not just the monthly fee. This is general information, not advice.
Can a startup deposit share capital with these providers?
Some providers support a capital deposit account used to pay in the UG or GmbH share capital before the commercial register entry, but availability varies and changes. Confirm directly with the provider whether it offers a capital deposit account, as of 26 February 2026.
Can a UG or GmbH use N26 Business?
No. N26 Business accounts are held in a personal legal name for the self employed, so a registered company cannot be the holder as of 26 February 2026. Use a company account instead. Verify with the provider.
How fast can a startup open an account in Germany?
Digital providers can open a company account within a few days once the company is registered and the documents and identity checks are complete, though timing varies and foreign founders face extra checks. Confirm the current process with the provider.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 26 February 2026. Confirm current terms with the provider before applying.