Mercury provides a sophisticated banking experience tailored for tech-forward freelancers. With powerful API access, seamless integrations, and no minimum balance requirements, it is the top choice for modern independent professionals.
Best Business Bank Accounts for Freelancers - June 2026
Global
Discover the top business bank accounts tailored for freelancers in 2026. Compare features, fees, and digital tools to find the perfect financial partner for your independent career.
Banking stack for startups and freelancers.
Details
- Year Founded: 2017
- Employees: 500-1000
- Price Range: $
- Phone: +1-800-555-0199
- Email: help@mercury.com
About the Company
Pros
- Excellent API integrations
- No monthly fees
Cons
- No cash deposits
- Strict account approval
Banking that helps you manage cash flow.
Details
- Year Founded: 2018
- Employees: 200-500
- Price Range: $
- Phone: +1-888-205-2988
- Email: support@relayfi.com
About the Company
Relay offers unparalleled control over business expenses with multiple virtual cards and granular permission settings. It is perfect for freelancers looking to organize their business income and manage tax savings effectively.
Pros
- Unlimited virtual cards
- Detailed reporting
Cons
- Limited international wire support
The agile banking platform for small businesses.
Details
- Year Founded: 2016
- Employees: 100-250
- Price Range: $
- Phone: +1-800-432-1000
- Email: support@novo.co
About the Company
Novo is built specifically for small businesses and freelancers. It stands out due to its fee-free structure, easy-to-use mobile app, and instant payouts for Stripe users, making cash flow management effortless.
Pros
- No hidden fees
- Great mobile experience
Cons
- No physical branches
Global business account for freelancers.
Details
- Year Founded: 2015
- Employees: 5000+
- Price Range: $$
- Phone: +44-203-322-8352
- Email: business-support@revolut.com
About the Company
Ideal for global freelancers, Revolut Business offers multicurrency accounts with excellent exchange rates. It simplifies international payments and spending, helping you save on conversion costs while traveling or working remotely.
Pros
- Great forex rates
- Multi-currency support
Cons
- Customer support response time
The universal account for business without borders.
Details
- Year Founded: 2011
- Employees: 2000-5000
- Price Range: $
- Phone: +44-203-695-0999
- Email: business@wise.com
About the Company
Wise Business is the go-to solution for freelancers working with international clients. It allows you to hold, send, and spend money in over 50 currencies at the real mid-market exchange rate, saving significant money on fees.
Pros
- Low transfer fees
- Real exchange rates
Cons
- Not a full service bank
High-yield business checking for growing freelancers.
Details
- Year Founded: 2013
- Employees: 250-500
- Price Range: $
- Phone: +1-888-216-9619
- Email: support@bluevine.com
About the Company
Bluevine stands out by offering interest-bearing business checking accounts. For freelancers who want their money to work for them, the high-yield savings potential combined with no monthly fees makes it a top-tier choice.
Pros
- Earns interest
- Bill pay features
Cons
- Limited cash deposits
All-in-one business banking and tax solution.
Details
- Year Founded: 2019
- Employees: 50-100
- Price Range: $
- Phone: +1-844-368-6380
- Email: hello@found.com
About the Company
Found is specifically designed for the self-employed. It automates taxes, tracks expenses, and simplifies bookkeeping in a single, intuitive platform, freeing up more time for your actual freelance projects.
Pros
- Automated tax tracking
- Integrated invoicing
Cons
- Limited physical card network
Global financial infrastructure for business.
Details
- Year Founded: 2015
- Employees: 1000-2000
- Price Range: $$
- Phone: +61-3-7035-1500
- Email: support@airwallex.com
About the Company
Airwallex is perfect for freelancers scaling internationally. It provides multi-currency accounts, borderless cards, and payment acceptance tools, allowing you to operate globally as if you were local.
Pros
- Powerful global reach
- Competitive FX rates
Cons
- Complex setup for individuals
Digital commercial bank for innovators.
Details
- Year Founded: 2019
- Employees: 100-200
- Price Range: $$
- Phone: +1-877-472-7746
- Email: support@grasshopper.bank
About the Company
Grasshopper Bank combines the benefits of a digital bank with the stability of a traditional commercial institution. Its sophisticated API and focus on innovation make it a great choice for tech-savvy freelance businesses.
Pros
- High security
- Tech-focused support
Cons
- Smaller app ecosystem
Business banking made simple.
Details
- Year Founded: 2015
- Employees: 500-1000
- Price Range: $
- Phone: +44-203-808-4035
- Email: hello@tide.co
About the Company
Tide is one of the most popular platforms for UK-based freelancers. Its quick account setup, smart invoicing, and automated expense categorization make it an essential tool for solo entrepreneurs to manage their finances.
Pros
- Fast account opening
- Good expense management
Cons
- No phone support for free tier
Modern financial platform for the modern freelancer.
Details
- Year Founded: 2018
- Employees: 50-100
- Price Range: $
- Phone: +1-866-287-7021
- Email: support@oxygen.us
About the Company
Oxygen offers a unique ecosystem for freelancers, combining business banking with personal finance tools. Their rewards program and cashback features add significant value to everyday business expenses.
Pros
- Cashback rewards
- Hybrid personal/business
Cons
- Mobile-only focus
The ultimate bank for freelancers.
Details
- Year Founded: 2019
- Employees: 100-200
- Price Range: $
- Phone: +1-855-545-4266
- Email: support@lili.co
About the Company
Lili was built from the ground up for the freelance lifestyle. It includes built-in tools for tax savings, expense management, and invoicing, ensuring that independent professionals remain organized throughout the year.
Pros
- Tax bucket automation
- Freelance-specific tools
Cons
- Limited check writing
Banking solutions for the digital economy.
Details
- Year Founded: 2015
- Employees: 50-100
- Price Range: $$
- Phone: +46-8-559-251-50
- Email: support@intergiro.com
About the Company
Intergiro offers a flexible banking platform designed for digital businesses. With API access and quick issuance of cards, it is an ideal companion for freelancers looking for a robust financial partner in the European market.
Pros
- Developer-friendly
- Strong compliance
Cons
- Primarily EU focused
Control your business spending.
Details
- Year Founded: 2014
- Employees: 50-100
- Price Range: $$
- Phone: +1-866-220-8455
- Email: support@bentoforbusiness.com
About the Company
Bento excels at expense management for freelancers and small teams. By allowing strict spending limits on employee or project-specific cards, it gives you total oversight of your project-related costs.
Pros
- Robust spending controls
- Real-time alerts
Cons
- No traditional banking services
Full-service digital business banking.
Details
- Year Founded: 2000
- Employees: 1000-2000
- Price Range: $$
- Phone: +1-888-502-2967
- Email: service@axosbank.com
About the Company
Axos Bank provides a traditional banking experience entirely online. It is a stable, reliable choice for freelancers who need a comprehensive suite of services, including loans and high-limit transactions.
Pros
- Full banking services
- High limits
Cons
- Less tech-focused UI
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Frequently Asked Questions
FAQ
Do freelancers need a separate business bank account? Yes, keeping personal and business finances separate simplifies tax filing and professionalizes your brand.
What should I look for in a freelancer bank account? Look for low monthly fees, mobile app functionality, no minimum balance requirements, and accounting software integration.
Are digital banks better than traditional banks for freelancers? Digital banks often offer better app experiences and lower fees, making them ideal for modern remote freelancers.
Can I open a business account as a sole proprietor? Yes, most banks allow sole proprietors to open accounts using their legal name or a DBA.
Do these accounts offer interest on deposits? Many modern business accounts offer competitive interest rates, though you should check the specific terms of each provider.
How long does it take to open a freelancer bank account? With digital providers, you can often get your account set up in as little as 10-15 minutes online.