BNP pro or Anytime pro account: comparing services and rates

Whatever your professional profile, managing your business accounts is an important task.

To avoid wasting time and money, you need to choose your business bank carefully, and have at least two banking partners. Among the many business account offers on the market, BNP Paribas focuses mainly on very small businesses. Anytime, on the other hand, offers a professional account for companies, associations, professionals, freelancers and the self-employed. Here's how these two providers compare.

BNP Paribas pro account, services and rates

With the BNP compte pro offer reserved for companies with annual sales of less than €900,000, BNP Paribas is targeting craftsmen, retailers, the self-employed, farmers and associations.

BNP pro account

BNP Paribas' main offer for professionals is the Esprit Libre Pro package. An all-in-one solution like no other, this subscription includes :

  • BNP pro account with management fees and turnover commissions
  • Detailed BNP pro account statements
  • A Visa Business card
  • 2 standing orders each month
  • 24/7 access to your accounts via our voice server or the Internet
  • Stop payment charges on cheques and direct debits

This offer is complemented by the Solutions Pro Santé pack which, as its name suggests, is reserved for healthcare professionals. It includes the same services as Esprit Libre BNP Pro, but with access to financing and telephone assistance.

How much does a BNP Pro account cost?

Esprit Libre Pro account BNP Net Professionnels pro account BNP Net Evolution pro account
Visa Business card From €40/month
From 52€/month
Visa Gold Business card From €44.50/month
From €56.50/month
Solutions Pro Santé No fee collection by credit card With fee collection by credit card
Visa Business card From €30.5/month
From 36€/month
Or €432/year
Visa Gold Business card From €35/month
Or €420/year
From €40.50/month


Compare the rates of a BNP Paribas pro account with the Anytime Pro account?

  Anytime BNP Paribas  
  Anytime pro account BNP pro account  
Accepted legal forms

SA, SAS, SASU, SARL, EURL, EI(RL), SCI, Professions, Associations and Auto-entrepreneur as a natural or legal person. Find out more here.

Micro-companies, SAS, SASU, SARL, EURL, SCI, liberal professions, associations  
Monthly package From €9.50 From €19  
Movement commission No transaction fees From 0.06% per movement  
Bank card prices 0/year on card included in offer 57/year  
Virtual bank card prices 50 included in offer No  
Expense management module included in the offer No  
Dynamic management of card limits included in the offer No  
Payment terminal Free (with our partner) On quotation after a personalized study  
Payment button 3.8% to 1.7% per transaction VAD contract required  
Bank card type Mastercard Visa or Mastercard  
Remote banking package 0/year From €150/year  
Checkbook Not available 1,34€  
Cheque cashing No Unlimited  
Credit or overdraft authorization No Yes  
Customer service Customer service by e-mail included. Advisor available by phone with EASY, BOOST, BUSINESS, CORPORATE offers. Appointments by appointment  

You'll also have to pay fees for certain banking operations or for receiving certain alerts. To learn more about the long list of fees, visit the BNP pro account fees page.

How do I open a BNP pro account?

BNP pro accounts can only be opened at a branch. To do this, you need to make an appointment with a pro advisor, either by telephone or via the appointment booking module on the website.

To open the account, a number of supporting documents will be required:

  • Proof of activity
  • One or two proofs of identity
  • Proof of registered office address

How much can I save with an Anytime pro account?

Designed for all professionals and businesses, the Anytime pro account is a complete, all-inclusive solution. With its many options, the Anytime pro account is also fully customizable.

Reduction compared with BNP compte Pro: -246€/year

Anytime pro account offer :

  • START offer - from €9.5/month, or €114/year (no administration fees)
  • EASY offer (with telephone advisor) - from €19.5/month, or €234/year (no administration fees)
  • BOOST offer (with telephone advisor) - from €29.5/month, or €354/year (no administration fees)

What's included in the Anytime pro account

The START offer for the Anytime pro account includes:

  • Professional account
  • A personal account to better juggle your business and personal expenses
  • 1 Mastercard 
  • 50 virtual Mastercards to pay online or remotely
  • A comprehensive management application that lets you carry out all your day-to-day transactions over the Internet or by phone (European and international transfers, transaction listing, card blocking, 24-hour card PIN access, etc.).
  • Free transfers and direct debits in euros
  • Real-time sales and alerts
  • A package of services that enables you to benefit from numerous services offered by Anytime or its partners (expense management, free payment terminal, cash management, etc.).

What's more, this online pro account lets you easily set up payment methods such as a payment link by email or SMS, a payment button for your website, or even order a payment terminal to collect cash from customers (supplied by Smile&Pay).

How do I open an Anytime pro account?

You can open an Anytime pro account entirely online, at any time.

In just 10 minutes, after filling in the essential information and providing a photo of your ID, you'll be able to access your pro account and obtain a RIB. Within 48 hours your pro account will be activated (provided you have supplied all the requested documents listed below).

To meet legal requirements, the opening of a business account with a RIB FR (for direct debits and bank transfers) is subject to the need to provide :

  • A copy of a valid identity document,
  • Proof of address less than 3 months old in your name,
  • The first transfer to your Anytime pro account must be made from a European bank account in your name.

To send these documents, all you need is a photo taken with your smartphone, which saves precious time during the subscription process.

With much more attractive rates and an offer totally tailored to professionals, Anytime is an excellent alternative.

Easy to use, the dedicated application lets you carry out all your operations at your fingertips, in just a few minutes. An extremely simple way to manage your company's accounts from anywhere, at any time.

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