When setting up your business, it's important to choose the right banking service provider. A poorly chosen bank will be a source of worries you don't need. Among the traditional banks, HSBC offers a package that combines business and personal accounts. Anytime, on the other hand, has developed a simple, clear and customizable 100% online offer, enabling you to move from an independent business account to a business account for companies.
HSBC pro account, services and rates
HSBC's pro offer is called HSBC Fusion. This name underlines the fact that this offer combines personal and professional management. TheHSBC pro offer is designed for all self-employed and independent workers with sales of up to €1.5 million.
What does the HSBC pro account offer include?
TheHSBC pro offer consists of 3 account agreements. The "HSBC Fusion Start" basic offer is a pro account base to which additional services can be added in the two other packs. This base includes :
+ Professional account management
- A Visa Business card
- A remote banking service
- Fee waiver on major day-to-day transactions, including : Monthly account statement or e-statement, SEPA transfer received, foreign exchange commission, stop payment on bank card, transfer issued online or via the application, checkbook
The HSBC Fusion Fast offer completes the services of the Fusion Start offer with €0 turnover and update commissions.
The superior HSBC Fusion Smart offer allows you to obtain a Visa Gold Business card in place of the classic Visa Business card, with all the associated benefits.
Compare HSBC pro account rates with the Anytime pro account.
The overall cost of your HSBC pro account depends on the services you choose to include and your turnover. The 3 HSBC pro offers are payable monthly.
|Offer||Fusion Start||Fusion Fast||Fusion Smart|
|Monthly pro account fee||17.00 excl. VAT/month (i.e. €204/year)||25.00 excl. VAT/month (i.e. €300/year)||30.00 excl. VAT/month (i.e. €360/year)|
If you don't find the services you need among the 3 offers, it's also possible to compose your formula from the à la carte products.
|Accepted legal forms||SA, SAS, SASU, SARL, EURL, EI(RL), SCI, Professions, Associations and Auto-entrepreneur in natural and legal person. Find out more here.||self-employed or self-employed professionals only|
|Open a pro account online||Yes||No|
|Monthly package||From €9.50 incl. VAT||From €30 incl. VAT|
|Movement commission||No transaction fees||No transaction fees|
|Real-time balance alert||0€||0.34/SMS|
|Bank card prices||0€/year 1 card in the offer||0€/year 1 card in the offer|
|Payment outside the euro zone||0€ no fees applied||2.90% on transactions|
|Withdrawal outside the euro zone||2€||3.05€ + 2.90% on the amount withdrawn|
|Virtual bank card prices||50 included in offer||No|
|Expense management module||included in the offer from Easy package upwards||No|
|Dynamic management of card limits||included in the offer||No|
|Payment terminal||Offered by our partner||On quotation after a personalized study|
|E-commerce solution||0/month and €0.25 + 3.8% per transaction||23.90/month plus transaction commission to be negotiated. VAD contract required|
|Bank card type||Mastercard||Visa|
|Remote banking package||0/year||from €12.6 incl. tax/month|
|Credit or overdraft authorization||Conditionally with our partners||Yes|
|Customer service||Customer service by e-mail and chat included. Advisor available by phone from the Easy package.||Appointments by appointment|
To find out the rates for à la carte services, please consult the HSBC rate brochures. Subscribing to a service package allows you to benefit from preferential rates on all the services you add to the agreement.
How do I open a business account with HSBC?
HSBC accounts can only be opened by appointment with an advisor. It is not possible to open a business account online. If you are already a customer, you can schedule an appointment with your advisor from your secure personal space. Otherwise, you can make contact via the website or by telephone.
When you make your appointment to open a pro account, please bring at least the following documents with you:
- Proof of activity
- One or two proofs of identity
- Proof of registered office address
Don't forget to take with you all the documents concerning your company and business (balance sheets, forecasts, articles of association, registration certificate...). Having all your documents at hand can help you avoid wasting time in multiple appointments.
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 neobank 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 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 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.