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Top 5 best Neobanks for freelancers 2026

Which neobank should you open as a freelancer or self-employed person in Belgium? This ranking compares online business accounts on what really matters: monthly fees, built-in invoicing, VAT handling, multi-user access and regulatory status. Editorial selection, no affiliate links or sponsored placement.

Updated 27 June 2026

  1. 1
    Most completeBest for Invoicing & accounting9.1/10

    QontoFrom ~€9/month

    The most polished online business account for a Belgian freelancer: built-in invoicing, automatic reconciliation and clean accounting export. The price is justified as soon as you invoice regularly and want to cut time spent on admin.

    Pros
    • Built-in invoicing & accounting
    • Clean accounting export
    • Business-focused support
    Cons
    • No fully free plan
    • Multi-currency more expensive
  2. 2
    Most internationalBest for Multi-currency & teams8.9/10

    Revolut Business€0/month (Free)

    The most versatile solution for international work: multi-currency at the interbank rate, virtual cards, team management. The Free plan is fine to start; key features move up to paid tiers fast.

    Pros
    • Multi-currency at the interbank rate
    • Virtual cards & budgets
    • Free plan to test
    Cons
    • Weekend exchange surcharge
    • Advanced features are paid
  3. 3
    Free to startBest for Solo freelancer8.5/10

    N26 Business€0/month (Standard)

    The simplest free account for a freelancer starting solo: fast onboarding, fee-free card, spending categorisation. Less equipped than Qonto on invoicing, but more than enough for a small volume.

    Pros
    • Free Standard plan
    • Clear app
    • Banking licence (€100,000 protection)
    Cons
    • Basic invoicing
    • German IBAN
  4. 4
    Ring-fenced cash flowBest for Sub-accounts & VAT8.3/10

    bunq BusinessFrom ~€10/month

    Handy for ring-fencing cash flow, VAT and provisions in dedicated sub-accounts, with accounting export. The subscription model pays off if you really use that organisation.

    Pros
    • Sub-accounts for VAT & provisions
    • Accounting export
    • Banking licence (€100,000 protection)
    Cons
    • Paid base plan
    • Dutch IBAN
  5. 5
    Invoicing in currenciesBest for Clients abroad8.2/10

    Wise Business€0/month (setup fee)

    Unbeatable for a freelancer paid in currencies: local details in several countries and conversion at the real rate. Combine it with a main business account for Belgian invoicing and accounting export.

    Pros
    • Local multi-currency details
    • Real market rate
    • Transparent fees
    Cons
    • No deposit protection (EMI)
    • Limited Belgian invoicing

Comparison table

Model
Score
Price
Best for
1. Qonto
9.1/10
From ~€9/month
Invoicing & accounting
2. Revolut Business
8.9/10
€0/month (Free)
Multi-currency & teams
3. N26 Business
8.5/10
€0/month (Standard)
Solo freelancer
4. bunq Business
8.3/10
From ~€10/month
Sub-accounts & VAT
5. Wise Business
8.2/10
€0/month (setup fee)
Clients abroad
Ranking criteria
Monthly feesInvoicing & accountingMulti-card / multi-user managementInternational paymentsStatus & deposit protection

Methodology : Ranking based on public fee schedules (recorded June 2026), each provider's invoicing and accounting-export features, and their regulatory status (licensed bank or payment institution). Business offers change fast: check the exact plan and its limits before subscribing. No affiliate links, no sponsored placement.

Sources : FPS Finance — VAT for the self-employed · FSMA — register of authorised institutions · National Bank of Belgium

Frequently asked questions

What is the best business neobank for a freelancer in Belgium?

For a freelancer who wants to invoice and keep accounts simply, Qonto is the most complete. To start free, N26 Business or Revolut Business Free work well. The choice depends on your transaction volume and invoicing needs.

Does a self-employed person need a separate business account?

A company is required to have one. A sole trader is not strictly bound by law, but separating private and business accounts is strongly recommended: it simplifies accounting, VAT and any audit.

Do these accounts let you file VAT?

No: they prepare the data (invoices, accounting export) but do not file VAT for you. Filing is done via Intervat, by you or your accountant. Set the VAT you collect aside in a dedicated sub-account.

Can you deposit SRL share capital with a neobank?

Not always. Capital deposit requires a bank certificate that not every neobank provides. Check this before incorporation; many freelancers use a Belgian bank for the capital, then a neobank for day-to-day activity.

Which business neobank for invoicing in dollars or pounds?

Wise Business to receive at the real rate with local details in several countries, or Revolut Business for multi-currency and team management. Qonto remains better for the euro area and Belgian invoicing.

Is an online business account safe?

N26 Business and bunq Business are licensed banks with deposit protection up to €100,000. Revolut Business relies on its Lithuanian banking entity. Qonto and Wise operate under other statuses: check fund protection in their terms.

Can you cash cheques with a business neobank?

Rarely. Most of these providers handle neither cash deposits nor cheque cashing. If your activity depends on it, keep an account at a traditional Belgian bank as a complement.