Accounts for Freelancers and Sole Traders
Accounts built for one person invoicing clients: a single IBAN, a card, invoicing or bookkeeping attached, and pricing that makes sense on freelance turnover. Every provider on this page onboards businesses from several European countries, so the account survives a move or a client abroad. Freelancer accounts tied to one country, like Kontist in Germany or Tide in the UK, live on their country pages instead. What separates a good one is the monthly cost against the included transfers, how it handles VAT and tax set-asides, the onboarding time, and whether the licence behind it is a bank or an e-money institution. We rank on reader interest and provider reach.
- 1
A Dutch bank licensed by De Nederlandsche Bank, offering business accounts across 9 European countries with multi-currency support, bookkeeping integration, and balances inside the Dutch deposit guarantee scheme.
- 2
A French payment institution with accounts designed for freelancers and sole traders across 9 European countries, including invoicing and bookkeeping tools built in.
- 3
Lithuanian electronic money institution offering business accounts for European freelancers and sole traders, with multi-currency support and international payments designed for remote invoicing.
- 4
A fintech platform offering free business accounts to freelancers in 9 European countries with cashback rewards, invoicing, and expense management.
- 5
Greek tech bank operating across 29 European countries, offering business bank accounts with IBAN, card issuing, and payments solutions to freelancers and small business owners.
- 6
Estonian platform combining company formation, VAT-compliant invoicing, accounting, and business bank accounts for European freelancers and solopreneurs, with IBAN provided through banking partners.
- 7
A Finnish payment institution offering business accounts for solopreneurs and teams in Germany, Finland, and Austria, with invoicing and integrated bookkeeping.
Frequently asked questions
Can I find an account that handles invoicing and bookkeeping automatically?
Yes. Many providers in this category, such as Qonto, Holvi, and FINOM, include built-in invoicing and expense management tools. Some options like Xolo go further by offering VAT-compliant invoicing and full accounting services.
What happens if I move to a different European country?
You can choose providers that operate across multiple borders to ensure your account stays valid. Several listed options offer services in up to 29 European countries, while others support up to 9 countries.
Do these accounts support international clients and multiple currencies?
Several providers offer multi-currency support and international payment solutions designed for remote invoicing. Bunq and Paysera specifically highlight these features for freelancers working across different regions.
Is there a difference between a licensed bank and the other providers?
Yes. While most options are electronic money institutions or payment institutions, Bunq is the only licensed bank in this specific category. This distinction can be important depending on your preference for banking regulations.