Breadly
Best Startup Banking
Business banks and cards founders actually keep.
-
1
Mercury
Online business banking for startups: checking/treasury, cards, API, invoicing
Why it’s here: Slick app + API and startup perks; the default founder bank
-
2
Relay
Small-business banking with up to 20 checking accounts, team cards, Profit First workflows
Why it’s here: Sub-accounts with their own numbers + real phone support
-
3
Found
Banking for self-employed with built-in bookkeeping, tax estimates and invoicing
Why it’s here: Taxes + bookkeeping baked in, free tier
-
4
Lili
Business banking for freelancers/small biz with auto-categorization, receipts, tax buckets
Why it’s here: Accounting-lite features + responsive support
-
5
Starling Business
UK digital business account, free, FSCS-protected, accounting integrations
Why it’s here: Best all-round free UK business account
-
6
Finom
EU business account + invoicing/accounting for freelancers and SMEs
Why it’s here: Best all-rounder for EU freelancers
-
7
Bluevine
Business checking with interest on balances plus lines of credit
Why it’s here: Interest on checking + free basic plan
-
8
Rho
Startup banking + corporate cards, treasury and AP automation
Why it’s here: Banking, cards and AP in one, no fees
-
9
Slash
Business banking with unlimited virtual cards and spend controls
Why it’s here: Virtual cards for online/ad-spend businesses
-
10
Meow
Business banking + treasury (T-bill yield) for startups
Why it’s here: Yield on idle cash for startups
-
11
Novo
Free small-business checking with invoicing and integrations
Why it’s here: Simple, zero monthly fees
-
12
Qonto
EU SME business account with bookkeeping integrations
Why it’s here: Strong integrations for EU SMEs
-
13
Monzo Business
UK business account with a free Lite plan, tax pots and invoicing
Why it’s here: Easiest UK business account to open
-
14
Tide
UK/India SME business accounts with invoicing and accounting links
Why it’s here: Quick to open, accounting integrations
-
15
NorthOne
Small-business banking with envelopes/sub-accounts and integrations
Why it’s here: Envelopes and fast approval
-
16
Aspire
Business account, corporate cards, FX and spend management for startups/SMBs (Singapore & SEA).
Why it’s here: Low/no-fee, easy-onboarding business account with useful cards and Xero sync.