Business account costs in Estonia come mainly from monthly plan fees, currency conversion margins and transfer charges. Fintechs publish flat or per use pricing, and accounts are held in euro. Wise Business charges no monthly fee with a one off setup fee, while Revolut Business starts from about EUR 10 a month.
- Typical monthly fee
- EUR 0 to about EUR 35 a month with fintechs
- Currency
- Euro (EUR), with multi currency at fintechs
- No monthly fee option
- Yes, for example Wise Business
- Watch
- Conversion margins and per transfer fees
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
How business account fees work in Estonia
Fees fall into a few groups. A monthly plan fee is the headline cost at providers that charge one, such as Revolut Business from about EUR 10 a month on the Basic plan. Some providers charge no monthly fee, such as Wise Business, which instead applies a one off setup fee of about EUR 50 and per use pricing. On top of the monthly fee sit transaction costs, including charges for international transfers, currency conversion away from the mid market rate, and card use. Because Estonia is in the euro area, accounts are held in euro, but most companies here trade across borders, so conversion and transfer costs are central. Figures as of 30 June 2026. Confirm current pricing with the provider.
Monthly fees and plans
Fintechs either charge no monthly fee with per use pricing, as Wise Business does, or a flat monthly plan with included allowances, as Revolut Business does from about EUR 10 a month. A no monthly fee account can still cost more once heavy transfer and conversion use is counted, so match the model to how you will use the account.
Conversion and transfer costs
Most Estonian companies pay suppliers or receive from customers abroad, so the exchange rate margin and per transfer fee often outweigh the monthly fee. Compare the cost of each transfer and the conversion margin for the currencies you actually use, not just the headline plan price.
What drives the cost
Three things drive what a business account costs in Estonia, as of 30 June 2026. Verify with the provider
- A monthly plan fee, charged by some providers and skipped by others in favour of per use pricing.
- Currency conversion, charged as a margin away from the mid market rate when you exchange currencies.
- Transaction costs, such as international transfers, card use and any setup fee.
How to compare on fees
- List the fees that apply to how you will actually use the account, including transfers abroad and currency conversion.
- Compare a no monthly fee per use account against a flat monthly plan, since the cheaper option depends on your volumes.
- Confirm the current fee schedule with the provider before you apply, as pricing changes.
Compare business accounts available in Estonia
These providers accept business customers in Estonia. Fees and eligibility shown as of 30 June 2026. Confirm current terms with the provider before applying.
Compare business accounts →Questions about business account fees in Estonia
How much does a business bank account cost in Estonia?
Is there a business account with no monthly fee in Estonia?
What currency are Estonian business accounts in?
Are international transfer fees high in Estonia?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 30 June 2026. Confirm current terms with the provider before applying.