Startups in France are well served by online business accounts. Providers such as Qonto, Revolut Business and Shine accept France registered companies, with capital deposit support, expense cards and multi currency accounts.
Suits startups best
Depends on stage. Qonto suits incorporation and capital deposit, while Revolut Business and Shine suit ongoing spend and invoicing.
Typical monthly fee
EUR 0 to about EUR 40 a month depending on plan, as of 8 April 2026.
Capital deposit
Available online with some neobanks such as Qonto, which issues the deposit certificate. Verify with the provider.
Providers that fit
Several. At least four providers accept this profile in France.
Fees and features as of 8 April 2026Last reviewed 8 April 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Startups in France often need a share capital deposit to incorporate a company such as a SAS or SARL, then an account that scales with hiring and cross border spend. As of 8 April 2026, Qonto offers an online capital deposit and the deposit certificate, while Revolut Business and Shine suit ongoing spend, cards and invoicing. Confirm current terms with the provider.
What startups in France need from a business account
A new French company usually deposits its share capital and receives a deposit certificate before registration, then needs an account that handles team cards, supplier payments and, for many startups, revenue and costs in more than one currency. The features that matter most are a smooth capital deposit, clear card controls for a growing team, multi currency accounts for international work, and accounting integrations. A traditional bank can still help where lending or a longer banking relationship matters, so weigh the trade offs.
Q
Qonto
French provider that offers an online share capital deposit and the deposit certificate, plus invoicing, cards and accounting exports for new companies.
It depends on your stage. As of 8 April 2026, Qonto suits incorporation because it offers an online capital deposit and the deposit certificate, while Revolut Business and Shine suit ongoing spend, cards and invoicing. Compare the features you use and verify current terms with the provider. This is general information, not advice.
Can I deposit share capital to incorporate?
Yes. As of 8 April 2026, some neobanks such as Qonto offer an online share capital deposit and issue the deposit certificate needed to register a company. The process and any fee vary, so confirm the current steps with the provider.
Do these accounts work for a non resident founder?
Often yes, for a French registered company, though identity and beneficial ownership checks are stricter and some providers ask for a registered office in France. As of 8 April 2026, the position varies case by case, so verify with the provider.
Do startups get multi currency accounts?
Yes. As of 8 April 2026, Revolut Business holds several currencies on its plans and Wise Business holds more than 40, which suits startups paying or earning abroad. Conversion costs vary, so confirm the current terms with the provider.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 8 April 2026. Confirm current terms with the provider before applying.