Best business accounts for Freelancers and Sole Traders in France
Snapshot
Freelancers and sole traders in France are well served by online accounts. Providers such as Shine, Qonto and Revolut Business accept micro entrepreneurs and other sole traders, with invoicing, expense tracking and low cost cards. A micro entrepreneur whose turnover passes EUR 10,000 for two years running must hold a dedicated account, though it need not be a business account.
Suits Freelancers and Sole Traders best
Depends on needs. Shine suits new sole traders who want admin help, Qonto suits those who want accounting exports, and Revolut Business suits freelancers billing abroad.
Typical monthly fee
EUR 0 to about EUR 20 a month depending on plan, as of 8 May 2026.
Non resident position
Possible with full checks. Most online providers need a France or EEA registered business and a local address. Unclear cases, verify with the provider.
Providers that fit
Several. At least five providers accept this profile in France.
Fees and features as of 8 May 2026Last reviewed 8 May 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Freelancers and sole traders in France, including micro entrepreneurs, usually want a low cost account that separates business and personal money, simple invoicing, and easy tax records. Shine, Qonto, Blank and Revolut Business are common online choices, and Boursorama Pro offers a low cost option. French rules require a micro entrepreneur whose turnover passes EUR 10,000 for two consecutive years to hold a dedicated account, which can be a standard personal account rather than a pricier business account. Fees and features below are shown as of 8 May 2026, so confirm current terms with the provider.
What Freelancers and Sole Traders in France need from a business account
Freelancers and sole traders usually bill a handful of clients, want to keep costs low, and need clean records for tax. The features that matter most are a dedicated account to separate business money, simple invoicing and receipt capture, a card for business spend, and low cost transfers. Multi currency support helps freelancers with overseas clients. Most do not handle cash, so online providers fit well.
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Shine
French provider with simple onboarding and admin assistance for new businesses. Limited cash handling.
Compare accounts for Freelancers and Sole Traders in France
These providers accept Freelancers and Sole Traders in France. Fees and eligibility shown as of 8 May 2026. Confirm current terms with the provider before applying.
Questions about banking for Freelancers and Sole Traders in France
Does a freelancer in France need a business account?
Not always a business account, but a dedicated one. A micro entrepreneur whose turnover passes EUR 10,000 for two consecutive years must hold a separate account for the business, and that account can be a standard personal account rather than a pricier pro account. A company such as an EURL or SASU must keep a dedicated account. Confirm your obligation with a qualified adviser. This is general information, not advice.
What is the cheapest account for a sole trader?
Costs vary. Some online providers offer free or low cost plans for sole traders, and a standard personal account can meet the dedicated account rule for a micro entrepreneur. Pricier pro plans add invoicing, accounting exports and support. Compare the current pricing and features with each provider before choosing.
Can I separate business and personal money?
Yes. A dedicated account in the business name keeps business income and spending apart from personal money, which makes tax and accounting easier. Shine, Qonto, Blank and Revolut Business all offer this. Confirm the current plan details with the provider.
Do these accounts help with French tax and accounting?
Yes. Shine and Qonto include invoicing, receipt capture and exports that help with accounting and tax records, and some offer reminders for social charges. The exact features depend on the plan, so check the current feature list and pricing with the provider.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 8 May 2026. Confirm current terms with the provider before applying.