Which business bank accounts in France have no monthly fee?

As of October 2026, several providers in France offer business accounts with no monthly subscription:

These are €0/month subscriptions, not necessarily free for every use: transfers above a plan’s allowance, withdrawals, foreign-currency transactions, cash deposits, or optional tools can incur charges. Eligibility also varies by legal structure. (moneyvox.fr)

Quick starting point: Indy may suit a freelancer who wants included accounting tools; Shine offers a French IBAN and accepts a wider range of business structures, but has transaction limits on its free plan. Check the provider’s current fee schedule and eligibility before opening an account. (moneyvox.fr)

Several French providers offer business accounts at €0 per month, but most have conditions or charge for specific services. Pricing changes often, so check each provider's current tariff sheet before you open an account.

Accounts that are free without conditions (per 2026 comparisons):

• Indy: One comparison lists a €0 monthly fee, with accounting and tax tools as paid add-ons. Indy: 0 €/mois; carte physique gratuite; virements instantanés gratuits; pas de chéquier; pas de dépôt d'espèces; EI, EURL, SASU, SARL, SCI.
• Shine (Start/Solo tier): Listed at €0 per month, with free cards and free instant transfers, but no cheque book or cash deposits on the free tier.
• Finom Solo: Listed at €0 per month, with a French IBAN and a virtual card. One source says it allows 5 virements gratuits/mois on the free plan.
• Revolut Business (Standard/Basic): Listed at €0 per month, though one comparison notes that multi-currency use is capped on the free tier.
• N26 Business Standard: Free, but one review says it is an exclusive offer for auto-entrepreneurs, and it does not come with a French IBAN (it starts with DE).
• Vivid Standard: Listed at €0 per month.
• Wise Business: No monthly fee, but there is a one-time opening fee (€50 in the sources) and the account uses a Belgian IBAN rather than a French one.

Free only under conditions:

• BoursoBank Pro: Offre professionnelle sous condition : gratuite si tu réalises au moins 1 opération bancaire par mois.
• Axa Banque: Free if you spend at least €900 per quarter.
• L by LCL Pro: It costs €9/month and is free only if you already hold a personal LCL account. Sans ce compte, la gratuité affichée ne s'applique pas.
• Hello bank Pro: Free the first year, according to one source.

Traditional banks: The sources say these are generally not free for business accounts. One comparison notes that BNP, Crédit Mutuel, ou encore Hello Bank – restent quasi systématiquement payantes sur leurs services bancaires professionnels.

Watch for extra charges: A €0 monthly fee doesn't mean everything is free. One guide notes that la gratuité ne couvre pas les frais annexes : dépôt d'espèces (0,4-0,6 % du montant), virements internationaux (0,50 à 5 €), ou émission de chéquier. If you deposit cash or cheques, or make many international transfers, compare the per-transaction fees too.

Which to choose: If you're a freelancer or micro-entrepreneur with mostly French clients, Indy, Shine, or Finom are the usual starting points. If you need cheques or cash deposits, the free tiers often don't cover them. If you trade internationally, Wise or Revolut may suit you better, but check the IBAN type and fees.

Note that many of these comparison sites are affiliate-supported, so verify the current fees on each provider's official website before signing up.

In France, finding a business bank account with no monthly fees is primarily possible through digital banks and fintech companies. Traditional banks rarely offer truly fee-free business accounts, often tying "free" offers to specific conditions (such as minimum card usage or account activity).

Here are the key options for business bank accounts in France that offer no monthly fee plans:

Popular "No Monthly Fee" Options

• BoursoBank (Bourso Business): Offers a professional account that can be free under certain conditions. It is widely used by micro-entrepreneurs, though you typically must hold a personal account with them first.
• Indy: A popular choice for independent professionals that offers a "free" professional account. It is particularly noted for integrating accounting and invoicing tools directly into the banking interface.
• Shine: Offers a "Free" tier (often marketed as "Free" or "Basic") designed specifically for freelancers and micro-entrepreneurs. It is well-regarded for its user-friendly interface and administrative support.
• Vivid Money: Known for its business account offerings that include plans without monthly maintenance fees.
• Wise Business: While not a traditional bank, it offers a business account with a one-time opening fee (currently €50) instead of a monthly subscription. This is a strong option for businesses that handle international transactions, as it offers multi-currency capabilities and mid-market exchange rates.
• Airwallex: Provides accounts with no monthly fees, focusing on businesses with international payment needs.

Important Considerations

• Legal Requirements: If you are a micro-entrepreneur, you are only legally required to have a dedicated bank account (which can be a separate personal account in some cases) once your annual turnover exceeds €10,000 for two consecutive years. However, opening a dedicated business account early is generally recommended for better organization.
• Full Company Status: If you have an incorporated business (e.g., SAS, SASU, EURL, SARL), you must open a professional bank account to deposit your share capital. While some online options exist for these entities, they are sometimes more restrictive or have different fee structures than those aimed at freelancers.
• Hidden Costs: Even when a monthly fee is €0, always check for:
  • Transaction fees: Costs for transfers, card payments, or withdrawals.
  • Deposit limits: Some free plans restrict the number of free transactions or card payments.
  • Cash/Cheque deposits: Most online, fee-free banks do not allow you to deposit physical cash or cheques; if this is essential for your business, you may need a hybrid or traditional bank.

Disclaimer: Banking offers change frequently. Before signing up, verify the current terms and conditions on the provider's official website to ensure the "free" offer still applies to your specific business status and usage needs.

Several business accounts in France advertise €0 monthly account fees, though transaction limits, eligibility and other charges can still apply:

• Indy — advertises a free account with a French IBAN, card and SEPA transfers. Check the fee schedule for special operations; it doesn’t offer cheque or cash deposits. ¹²
• Shine Free — €0 per month, but includes only 5 free SEPA transfers/direct debits monthly; extra transfers and cash withdrawals may cost extra. ³
• SumUp — listed among providers with a free basic business account; check its current terms and fees for the services you need. ²
• Revolut Business — listed with a free entry-level plan; check the plan’s transaction limits and eligibility. ²
• Bourso Business — reported as free, with eligibility limited to certain business structures, including sole proprietors and single-owner companies; conditions apply. ⁴

These are advertised monthly subscription fees, not necessarily completely free accounts. Compare payment/transfer limits, card and cash services, and eligibility before opening one. Sources: ¹ Indy account page, ² Indy comparison, ³ Shine fee comparison, ⁴ Bourso Business overview.