An Estonian company can run on an online or neobank account. Wise Business, Revolut Business and Payoneer open remotely and support multi currency use, while LHV offers an Estonian IBAN to e-Resident companies subject to a risk based review.
- Remote opening
- Common with fintechs
- Main providers
- Wise Business, Revolut Business, Payoneer
- Estonian IBAN
- Possible via LHV, subject to review
- Currency
- Euro base, multi currency at fintechs
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Online and neobank options for an Estonian company
Estonia is a digital first market, and many companies never open a classic branch based account. The common setup is a fintech for everyday euro and multi currency operations, sometimes paired with an Estonian IBAN once the company has local substance. As of 13 February 2026, confirm the current position with the provider.
Wise Business and Revolut Business
Wise Business opens remotely, holds and receives several currencies, and shows conversion at the mid market rate plus a stated fee with no monthly account fee. Revolut Business opens remotely too and offers cards, team permissions and plan based allowances from about EUR 10 a month on the Basic plan. Both suit e-Resident and non resident companies that need no in person visit.
Estonian IBAN and account safety
LHV offers an Estonian EE IBAN to e-Resident companies, but applies a risk based review and can decline a company with no local tie. All of these providers are licensed payment or credit institutions, so client money is handled under the rules of their regulator. Check whether you specifically need an EE IBAN, since many partners accept any EEA IBAN.
What to check on an online provider
As of 13 February 2026, weigh these points when choosing an online or neobank account. Verify with the provider
- Whether opening is fully remote or needs any verification step, which most fintechs handle online.
- Whether you need an Estonian EE IBAN or any EEA IBAN is enough for your partners and payroll.
- The currencies supported and the conversion margin for the pairs you actually use.
How to compare online accounts
- Decide whether a fully remote fintech meets your needs or whether you also want an Estonian IBAN.
- Compare conversion margins, plan fees and included allowances for how you will use the account.
- Confirm eligibility, the IBAN type and current pricing with the provider before you apply.
Compare business accounts available in Estonia
These providers accept business customers in Estonia. Fees and eligibility shown as of 13 February 2026. Confirm current terms with the provider before applying.
Compare business accounts →Questions about online accounts and neobanks in Estonia
Which neobanks serve business customers in Estonia?
Can I open a business account fully online in Estonia?
Do neobanks give an Estonian IBAN?
Are Estonian neobanks regulated and safe?
Features, fees, and eligibility change and vary by region. This page was last reviewed on 13 February 2026. Confirm current terms with the provider before applying.