Kostenloses Geschäftskonto

Who only just dared the jump into the independence, free business accounts find probably particularly attractive. Finally it applies above all at the beginning of the independent activity usually to reduce the costs. And also experienced entrepreneurs should always have a watchful eye on their expenses. A business account without fees is also suitable for this group of people.

However, the range of free business accounts is very manageable. In most cases, the self-employed must expect conditions of some kind or at least pay fees for individual transactions. So what do you need to pay attention to so that the business account is optimally suited to individual needs and costs little?

These banks offer free business accounts

Business accounts without fees are available from Fyrst, N26 or Holvi, for example. In some cases there are several account models to choose from.

Free business account from Holvi

Holvi Grower
This vendor offers an english application form. With this business account you have the option to quickly and easily confirm your identity via video identification via smartphone, tablet or PC app Debit credit card available for this bank account
Annual account feeAccount fee
144.00  €
Costs / transactionTransaction
0.00 €
Annual Fees
144.00
  • Incl. Billing functions and Expense Management
  • Accounting Functions Integrated

With the Starter model, Holvi addresses, for example, the self-employed and small or medium-sized companies. For the account there is real-time information on income and expenses, so that the accounting is always up to date. For the account there is an app, optionally a Mastercard can be issued. Bookings are made free of charge, cash withdrawal via card costs 2.5 percent.

Free business account from N26

N26 Business
This vendor offers an english application form. Apple Pay Supported Google Pay Supported With this business account you have the option to quickly and easily confirm your identity via video identification via smartphone, tablet or PC app Debit credit card available for this bank account
Annual account feeAccount fee
0.00  €
Costs / transactionTransaction
0.00 €
Annual Fees
0.00
  • 3 free euro cash withdrawals per month
  • 0.1 % Cashback on all payments with Masterard
  • Subaccounts help you organizing your cashflow
  • Not available if you already have a private account at N26

With the Business Account, N26 provides a free account including a Mastercard, which is intended for sole traders, self-employed and freelancers. Online bookings are free of charge, the Maestro card contains no credit function and is also free of charge. There are fees for withdrawing cash when shopping at the supermarket.

Free business account from Fyrst

Fyrst Base
With this business account you have the option to quickly and easily confirm your identity via video identification via smartphone, tablet or PC app
Annual account feeAccount fee
0.00  €
Costs / transactionTransaction
50 Transactions included per month 0.19 €
Annual Fees
0.00
  • Open your Account in 7 minutes with immediate IBAN
  • Cash withdrawals for only 1.90 € at over 10,000 ATMs of German Cash Group ATM Network
  • Mobile Optimized account of an established bank
  • Telephone Banking possible

The Fyrst Base is a free account for freelancers, behind Fyrst stands the Deutsche Bank with the Postbank. The account is suitable for all types of companies. There are no account management fees, the Girokarte Fyrst Card is also free of charge. Companies with a legal entity can use the account for five euros account management fee per month. Cash can be collected via the branches of the Cash Group and is subject to a fee.

Conclusion: Keep your eyes open when choosing the free business account

There are only a few free business accounts. Above all independent ones, self-employed persons and entrepreneurs with a small reservation volume find such an account with offerers such as Holvi, Fyrst or N26. Since the conditions are very different, an exact comparison is worthwhile itself. Optimal is the account, which fits on the one hand perfectly to the booking volume and on the other hand is as favorable as possible.

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