When you set up your business, you also need to think about opening a business account. The range of business banks on offer is so extensive that it can be difficult to make a choice. However, choosing the right bank is of the utmost importance, as it will save you many worries in the future. Among the services offered by traditional business banks is the Crédit Mutuel pro account. Anytime, on the other hand, offers several pro account packages to suit all professional profiles, whether freelance or corporate. Here's what differentiates these two pro account players.
Crédit Mutuel pro account, services and rates
Crédit Mutuel has just one professional account, the Eurocompte. This pro account is designed for all professional profiles: craftsmen, shopkeepers and self-employed professionals, whatever the legal status of the company.
What does the Crédit Mutuel pro account offer include?
Crédit Mutuel's Euro compte pro includes all the basic services in a single package, i.e. :
- Crédit Mutuel business account with cheque book and monthly business statement
- A professional bank card with systematic authorization
- A secure online pro account management space
- SEPA transfers over the counter or remotely
- Insurance against loss and theft of means of payment, keys, papers, cash machine theft or mugging
- 2 bank cheques per month
This pro account offer also includes flat-rate management fees and preferential rates on certain services.
Compare the rates of a Crédit Mutuel pro account with the Anytime pro account.
Crédit Mutuel is divided into 11 federations which may have different rates. The rates shown below correspond to those of the Ile de France federation. While there is only one pro account package, different formulas are available depending on the company's profile:
- Euro compte Auto-entrepreneur: the formula dedicated specifically to auto-entrepreneurs, with all the basic services and a specific "Auto-entrepreneur" card.
- Euro compte Pro Tranquilité: for sole traders
- Euro compte Pro Confort: for "family" companies
- Euro compte Pro Sérénité: for other larger companies
- Euro account Healthcare professionals
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|---|---|---|---|
| Anytime | Crédit Mutuel | ||
| Accepted legal forms | All types of companies, professionals and associations | professionals, farmers and associations | |
| Monthly package | From €9.50 incl. VAT | from €9.84 to €27.6 incl. VAT | |
| Movement commission | No transaction fees | From 0.2% Minimum €5/month | |
| Mastercard bank card prices | 0/year 1 card included in offer | From €36/year | |
| Payment outside the euro zone | 0€ no fees applied | 0,33€ + 2,50% | |
| 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 | Offered by our partner | On quotation after a personalized study with a minimum of 8€/month for less than 1000€ of monthly flows | |
| Payment button | 0.25 € + 3.8% per transaction | VAD contract required | |
| Bank card type | Mastercard | Mastercard | |
| Remote banking package | 0/year | from €3.00 incl. VAT to €18.54 incl. VAT/month | |
| Checkbook | No | Free | |
| Cheque cashing | No | Unlimited | |
| Credit or overdraft authorization | Conditionally with our partners | Yes | |
| Customer service | Customer service by e-mail included.
Advisor available by phone from the Easy package. |
Appointments by appointment |
You will also have to pay banking fees. To find out more, visit the Crédit Mutuel île de France prices page.
How do I open a business account with Crédit Mutuel?
To open a Crédit Mutuel pro account, you need to make an appointment with a branch advisor. The appointment can be made directly by phoning the branch. If you prefer, you can also request an appointment via the website of your Crédit Mutuel federation. An advisor will contact you by e-mail or telephone to schedule an appointment.
As with any business account opening, you will automatically be asked to provide certain supporting documents:
- Proof of activity
- One or two proofs of identity
- Proof of registered office address
If necessary, additional supporting documents may be requested.
Anytime pro account services and rates
Aimed at professionals of all kinds, the Anytime pro offer is an all-in-one package comprising a range of services. Combined with a wide range of options, the fintech pro offer is totally customizable.
What's included in the Anytime pro package
The Anytime pro account Start package includes:
- Business current account
- A personal current 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 the many services offered by Anytime or its partners (expense management, 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 a website, or even order a payment terminal to collect from customers (supplied by SmileandPay).
How do I open an Anytime pro account?
You can open an Anytime pro account entirely online, at any time. In just 5 to 10 minutes, after filling in the essential information and providing a photo of your ID, you'll be able to access your account and obtain a RIB. Within 48 hours your 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 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.
