Pro account rich in services
A pro account with far more comprehensive services than a traditional bank
The most comprehensive business account on the market
Business account
Physical and virtual Mastercard bank cards
Order multiple Mastercard cards to manage your expenses, overheads, Google Ads budgets or projects.
Dashboard with sub-accounts
Create sub-accounts
Automatic provision for taxes payable
As soon as you receive funds in your main account, a percentage determined by you will be transferred to a dedicated sub-account. Activate and deactivate these sub-accounts in real time.
More than 60 features associated with your pro account
SEPA Credit Transfer
Make and receive transfers in France and abroad within the euro zone. Benefit from our banking solution for secure, unlimited and fast transactions.
XML, CSV or API transfers
Save considerable time encoding your transfers! Use a simple XML or CSV file to make up to 100 simultaneous transfers to your various suppliers, on the date of your choice.
Frequently asked questions
Why open a business account?
By opening a business account, you can designate agents and co-account holders who are separate from those of your personal account, thus facilitating all kinds of procedures.
By opening an account dedicated to your activity, you can also subscribe to more services reserved for professionals: management of expense accounts, several bank cards to control expenses, an IBAN for your pro account, editing of estimates and invoices and integrated accounting, a dedicated advisor who is highly responsive by telephone...
Who needs to open a pro account?
Which bank should I use to open a business account?
Several players currently share the professional banking offer:
- Traditional banks
Most traditional banks offer business accounts. Despite the emergence of new players in this market, many companies are still attracted by their wide range of products and dedicated advisors.
- Online banking
Professionals have only a limited choice of offers from online banks. Today, only a few offer this type of account.
- Neo-banks
Professionals, associations and entrepreneurs can turn to online pro accounts or neobanks. These 100% digital banks, often 100% mobile, offer many advantages: attractive rates, free basic products, instant subscription, innovative features, low and transparent fees, smooth customer experience, etc.
Your choice of bank depends on a number of criteria: services offered, payment options, the possibility of being accompanied by a dedicated bank advisor, the range of financial and credit products on offer, international services, insurance and management services, etc.
How much does it cost to open a pro account?
A business bank account costs more than a standard current account. The cost includes :
- account management fees
- overdraft commissions
- access to online services for remote account management and transfers
- business bank card business bank card
Banks' price lists are difficult to compare, as they often contain a multitude of details. Nevertheless, it's important to take a close look, as certain operations can quickly add up.
How do I open a pro account?
To open a business account, you need to follow certain steps.
- Gather the necessary supporting documents
Generally speaking, the documents required to open an account are :
- proof of identity (ID card or passport) for the entrepreneur and persons authorized to use the account
- draft articles of association (for new companies)
- a Kbis extract dated less than 3 months and/or registration in the Répertoire des Métiers, or any other proof issued by Insee
- if you work from business premises, proof of use of business premises
If you choose to open an account with a neobank, most of the supporting documents can be sent online.
The account agreement sets out the rules for opening the account, its operation and the associated means of payment. This contract, signed with the bank, includes information such as the list of products and services available to you, rates, interest and exchange rates, and your obligations. It's important to read it thoroughly before signing up. In the event of refusal, assert your right to an account
To do this, you need to contact the Banque de France, which will designate a bank to open an account dedicated to your business.
How do I close a pro account?
There are a number of reasons why you may wish to close your business account (better offer from another bank, cessation of business, reaction to a dispute). To close your account, simply inform your bank of your decision in writing, enclosing proof of identity. You'll also need to hand over the various means of payment linked to the account (credit card, cheque book, etc.) and make sure that all transfers and direct debits are cancelled.
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