For your professional activity, you need to open a business bank account dedicated to your company's transactions. If you choose the wrong bank, you risk ending up with expensive and sometimes unsuitable services. Among traditional business banks, Crédit Agricole offers a customizable business account. On the other hand, the neo-bank Anytime offers several pro account formulas to suit all professional profiles, from freelancers to CAC40 companies. Let's take a look at the differences between their offers.
Crédit Agricole pro account, services and rates
The Crédit Agricole pro account is created from a base containing the essential services, to which you can add the options you need on a daily basis.
What does the Crédit Agricole pro account offer include?
The basic package includes essential services such as :
- Day-to-day management of the pro account: pro account management fees, cheque credited on the business day it is deposited in the branch, bills credited on the due date, transaction fees.
- A secure online space where you can view and manage your business accounts and carry out simulations
- Insurance for loss and theft of means of payment, theft by mugging of your business cell phone and business valuables
Other products and services linked to the pro account must be added at extra cost. These include a bank card, account statements and e-mail and SMS alerts. It is also possible to take out certain types of insurance and obtain a payment terminal, for example.
Compare the rates of a Crédit Agricole pro account with the Anytime pro account.
Crédit Agricole is made up of autonomous regional banks. Rates may therefore vary from one caisse to another. The rates shown here are those of Crédit Agricole de Paris.
| Rate | |
| Monthly contribution | 35/month (if your sales are under 300K€) 42/month (for sales between 300K€ and 450k€) 51/month (for sales between €450k and €750k) 74/month (for sales between 750K€ and 1.5M€) |
| Mastercard business card | From €5.25 to €11.33/month (or €63 to €136/year) |
To find out more about your Crédit Agricole's rates, visit the website of the caisse concerned or visit a branch. Find out more about Crédit Agricole île de France pro account prices
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|---|---|---|---|
| Anytime | Crédit Agricole | ||
| 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. | All types of companies, professionals and associations | |
| Open a pro account online | Yes | No | |
| Monthly package | From €9.50 incl. VAT | From €35 to €74 excl. | |
| Movement commission | No transaction fees | 0.15% with a minimum of €5/month | |
| Real-time balance alert | Yes | No | |
| Mastercard bank card prices | 0/year | 63€ to 136€/year/per card | |
| Mastercard PIN code price | 0€ | 7,50€ | |
| Payment outside the euro zone | 0€ no fees applied | 2% on transactions | |
| Withdrawal outside the euro zone | 2€ | 3€ | |
| Virtual bank card prices | 50 included in offer | No | |
| Expense management module | Optional, included in Easy package | No | |
| Dynamic management of card limits | included in the offer | No | |
| Payment terminal | Offered with our partner | On quotation after a personalized study | |
| E-commerce solution | 0/month and €0.25 + 3.8%. | On quotation after a personalized study | |
| Bank card type | Mastercard | Mastercard | |
| Remote banking package | 0/year | 0/year | |
| 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 |
To find out the rates for à la carte services, please consult the Crédit Agricole price 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 Crédit Agricole pro account?
Crédit Agricole 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 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 and businesses, 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.
