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Ranking · Updated 2026

The best business banks of 2026.

Twelve providers our advisors open accounts with every week, every one of them open to remote applications.

12

Providers verified

40+

Jurisdictions

Sep 2026

Last review

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Ranking parameters, by weight
  • Ranking parameters are published, not paid for
  • Advertising disclosure. Some links on this page are affiliate links. If you open an account we may be paid a fee, at no extra cost to you. Order is set by our published criteria and cannot be bought.

How to read this list

There is no single best business bank. There is a best account for a given company, in a given jurisdiction, with a given source of funds. The twelve below are the providers that most consistently said yes in 2025-2026 and then behaved well afterwards: predictable pricing, sane compliance reviews, and support that answers within a working day. We list only providers we can support end to end and apply to directly, which is why branch-only banks are not here. Where a provider is an e-money or payment institution rather than a licensed bank, we say so in its notes.

Fees, minimum balances and currency coverage were last checked against each provider’s own published pricing and terms in September 2026. They change often and differ by country, entity type and applicant profile, so treat every figure as indicative and confirm it with the provider before you apply.

Real cost

Monthly fees, wire pricing and the FX spread you actually pay, not the headline rate.

Time to open

Median days from application to a funded account, taken from cases we ran this year.

Approval odds

How often this bank accepts your entity type, industry and residency mix.

Reach

Currencies held, local account details, and which jurisdictions the account serves.

1
Mercury

Mercury

Best US
Free ACH & USD wires, 1% on FX payments
US-registered entity
Score
4.9
No published minimum
Best for · Founders with a US LLC or C-Corp, including non-residents
Mercury is a US financial technology company, not a bank. Accounts and deposits are held at its partner banks Choice Financial Group and Column N.A., both members of the FDIC, so cover reaches you on...
Time to open
~9 days to open
Currencies
USD account; outbound payments in 40+ currencies
FX & Fees
No monthly fee on standard; about 1% on FX payments
Licence status
Regulated entity; supervised by FDIC (partner)
To open: No published minimum
A US entity is required; there is no path for a foreign company
Open an account with Mercury Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.
2
Revolut Business

Revolut Business

Editor's pick
25+ currencies, IBAN, cards & expenses
UK EEA
Score
4.8
No minimum balance; plans from about GBP 10 / USD 10 a month
Best for · UK and EEA companies with multi-currency income and card spend
Revolut Business gives a UK or EEA company local account details, 25+ currencies to hold and exchange, corporate cards and expense controls in a single dashboard. In the EEA the account sits with Revolut Bank...
Time to open
3-14 days
Currencies
Hold and exchange 25+ currencies; GBP and EUR local details
FX & Fees
$Plans from about GBP 10 / EUR 10 a month/mo base
Licence status
Regulated entity; supervised by FCA · Bank of Lithuania
To open: No minimum balance; plans from about GBP 10 / USD 10 a month
No genuinely free business plan any more
Open an account with Revolut Business Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.
3
Wise Business

Wise Business

Hold 40+ currencies, local details in 20+
UK EEA USA SG
Score
4.7
No monthly fee; one-off registration fee in UK, EEA, Switzerland and Brazil
Best for · Companies invoicing abroad and paying suppliers in several currencies
Wise Business is a payment institution, not a bank. It gives you local account details in currencies such as USD, EUR, GBP, AUD and SGD, so customers pay you domestically and you avoid the receiving...
Time to open
~4 days to open
Currencies
Hold 40+ currencies, local account details in 20+
FX & Fees
$None/mo base; about 0.33% on FX payments
Licence status
Regulated entity; supervised by FCA
To open: No monthly fee; one-off registration fee in UK, EEA, Switzerland and Brazil
Not a bank: no lending, no overdraft, no deposit guarantee
Open an account with Wise Business Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.
4
Airwallex

Airwallex

Global FX Leader
Hold 20+ currencies, global collections, cards
AU EEA USA HK SG
Score
4.7
No minimum in most regions; EU free plan needs about EUR 10k held
Best for · Ecommerce, marketplaces and groups collecting in many markets
Airwallex holds payment or e-money licences market by market, including with the MAS in Singapore, the FCA in the UK and ASIC in Australia. It is not a bank in any of them. The strength...
Time to open
~8 days to open
Currencies
Hold 20+ currencies, pay out to 100+ countries
FX & Fees
No monthly fee on standard; about 0.3% on FX payments
Licence status
Regulated entity; supervised by FCA, MAS, ASIC (Australia)
To open: No minimum in most regions; EU free plan needs about EUR 10k held
Onboarding asks for detailed flow-of-funds evidence
Open an account with Airwallex Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.
5
Aspire

Aspire

Digital-first
Multi-currency, fully online onboarding
Singapore / HK
Score
4.6
No minimum, no initial deposit
Best for · Singapore and Hong Kong startups and lean finance teams
Aspire is a payment institution rather than a bank, with client money safeguarded at partner banks. It is built for Singapore and Hong Kong incorporated startups that want an account, cards and expense management without...
Time to open
~7 days to open
Currencies
8 currencies in Singapore, 13 in Hong Kong
FX & Fees
No monthly fee on standard; about 0.5% on FX payments
Licence status
Regulated entity; supervised by MAS
To open: No minimum, no initial deposit
Only for Singapore and Hong Kong entities
Open an account with Aspire Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.
6
Qonto

Qonto

French IBAN + SEPA
SEPA IBAN, transfers in 30+ currencies
France Germany Italy Spain
Score
4.6
No minimum balance; free tier only in some markets, otherwise from about EUR 9 a month
Best for · Operating companies in France, Germany, Italy and Spain
Qonto is a payment institution authorised by the ACPR in France; its banking licence application is still pending. It serves operating companies in France, Germany, Italy and Spain with local IBANs and accounting-ready exports. It...
Time to open
~4 days to open
Currencies
EUR IBAN; transfers in 30+ currencies
FX & Fees
$Free tier in some markets only, otherwise from about EUR 9/mo base
Licence status
Regulated entity; supervised by ACPR
To open: No minimum balance; free tier only in some markets, otherwise from about EUR 9 a month
Very EUR-centric with weaker multi-currency coverage
Open an account with Qonto Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.
7
Payoneer

Payoneer

Marketplace payouts
Receiving accounts in 9 currencies, marketplace payouts
UK EEA USA HK
Score
4.5
No minimum; annual account fee applies on some plans
Best for · Marketplace sellers, agencies and freelancer-heavy businesses
Payoneer is a regulated payment and e-money provider, registered with FinCEN in the US and authorised by the FCA in the UK and the Central Bank of Ireland in the EU. It is not a...
Time to open
~5 days to open
Currencies
Receiving accounts in 9 currencies, payouts to 190+ countries
FX & Fees
No monthly fee on standard; about 0.5% on FX payments
Licence status
Regulated entity; supervised by FCA, FinCEN
To open: No minimum; annual account fee applies on some plans
Not a bank, so no credit and no overdraft
Open an account with Payoneer Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.
8
Statrys

Statrys

HK Multi-Currency
Multi-currency account for foreign-owned HK companies
Singapore / HK
Score
4.5
No initial deposit; plans from about HKD 88 a month
Best for · Foreign-owned Hong Kong and Singapore companies
Statrys is a licensed Money Service Operator in Hong Kong, not a bank, with client funds held at partner institutions. It exists for the case traditional Hong Kong banks reject most often: a non-resident director...
Time to open
3-10 days
Currencies
Hold and pay in 11 currencies including HKD, USD, EUR, GBP and CNY
FX & Fees
$Plans from about HKD 88 a month/mo base; about 1% on FX payments
Licence status
Regulated entity; supervised by Customs and Excise Department (Hong Kong MSO)
To open: No initial deposit; plans from about HKD 88 a month
A Money Service Operator, so no deposit protection
Open an account with Statrys Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.
9
Zenus Bank

Zenus Bank

US for Non-Residents
US account and debit card for non-residents
Global USA
Score
4.3
Account plans from about USD 25 a month
Best for · Non-residents who need a real US account without a US company
Zenus is licensed as an international bank in Puerto Rico, a US territory, and regulated by OCIF. That makes it one of very few genuine banks that will open a US account for a non-resident...
Time to open
~10 days to open
Currencies
USD account with international transfers
FX & Fees
$25/mo base
Licence status
Authorised financial institution; accounts protected under partner banking frameworks.
To open: Account plans from about USD 25 a month
Puerto Rico international bank licence, so cover differs from standard FDIC insurance
Open an account with Zenus Bank Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.
10
Multipass

Multipass

B2B Cross-Border
GBP and EUR accounts for international trading companies
UK EEA
Score
4.3
No minimum balance; plans from about GBP 25 a month
Best for · UK and EU trading companies moving GBP and EUR
Multipass provides e-money accounts through an FCA-authorised institution, not a bank. It is aimed at import and export companies moving real trade volume, where an automated onboarding engine is more of a problem than a...
Time to open
~7 days to open
Currencies
GBP and EUR accounts, payments in 30+ currencies
FX & Fees
$Plans from about GBP 25 a month/mo base; about 1% on FX payments
Licence status
Authorised financial institution; accounts protected under partner banking frameworks.
To open: No minimum balance; plans from about GBP 25 a month
An e-money service, so no credit and no deposit guarantee
Open an account with Multipass Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.
11
Genome

Genome

Lithuanian EMI
SEPA and SWIFT payments, card issuing, merchant tools
EEA Lithuania
Score
4.2
No minimum; free plan available, paid tiers from about EUR 15
Best for · EU companies and online merchants that also need card issuing
Genome is an e-money institution licensed by the Bank of Lithuania, not a bank. It combines SEPA and SWIFT payments, sub-accounts, card issuing and merchant acquiring tools in a single dashboard at a price small...
Time to open
~4 days to open
Currencies
EUR, GBP, USD and multi-currency balances
FX & Fees
$Free plan available; paid tiers from about EUR 15/mo base; about 0.5% on FX payments
Licence status
Regulated entity; supervised by FCA · Bank of Lithuania
To open: No minimum; free plan available, paid tiers from about EUR 15
An e-money institution, so funds are safeguarded rather than insured
Open an account with Genome Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.
12
Wamo

Wamo

Fast EUR IBAN
Fast EUR IBAN for small teams and freelancers
Malta UK EEA
Score
4.1
No minimum; plans from about EUR 9 a month
Best for · Small teams, consultants and freelancers in the EU
Wamo is an e-money institution regulated in Malta by the MFSA, not a bank. It targets the simplest case in the market: a small EU company or consultant that needs a working EUR IBAN and...
Time to open
1-3 days
Currencies
EUR account with multi-currency payments
FX & Fees
$9/mo base; about 1% on FX payments
Licence status
Regulated entity; supervised by Malta Financial Services Authority (MFSA)
To open: No minimum; plans from about EUR 9 a month
An e-money institution in Malta, not a bank
Open an account with Wamo Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.
13
Julius Baer

Julius Baer

Julius Baer multi-currency business banking
Score
4.8
No published minimum
Time to open
Typically 1-2 weeks
Currencies
Multi-currency account
FX & Fees
Low fees; transparent exchange rates
Licence status
Authorised financial institution; accounts protected under partner banking frameworks.
To open: No published minimum
Standard compliance & registry documents required. Specific restricted business activities apply.
Open an account with Julius Baer Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.
14
Pictet

Pictet

Pictet multi-currency business banking
Score
4.8
No published minimum
Time to open
Typically 1-2 weeks
Currencies
Multi-currency account
FX & Fees
Low fees; transparent exchange rates
Licence status
Authorised financial institution; accounts protected under partner banking frameworks.
To open: No published minimum
Standard compliance & registry documents required. Specific restricted business activities apply.
Open an account with Pictet Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.
15
LGT

LGT

LGT multi-currency business banking
Score
4.8
No published minimum
Time to open
Typically 1-2 weeks
Currencies
Multi-currency account
FX & Fees
Low fees; transparent exchange rates
Licence status
Authorised financial institution; accounts protected under partner banking frameworks.
To open: No published minimum
Standard compliance & registry documents required. Specific restricted business activities apply.
Open an account with LGT Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.
16
Dukascopy Bank

Dukascopy Bank

Dukascopy Bank multi-currency business banking
Score
4.8
No published minimum
Time to open
Typically 1-2 weeks
Currencies
Multi-currency account
FX & Fees
Low fees; transparent exchange rates
Licence status
Authorised financial institution; accounts protected under partner banking frameworks.
To open: No published minimum
Standard compliance & registry documents required. Specific restricted business activities apply.
Open an account with Dukascopy Bank Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.

Questions we get every week

Is a neobank as safe as a traditional bank?

The good ones are regulated e-money institutions that safeguard client funds at a partner bank, which is not the same as deposit insurance. For balances you cannot afford to have frozen, keep a licensed bank alongside.

Can I open an account without visiting the country?

Yes for every provider on this list. That is part of why they are here. Traditional branch banks in the UAE, Hong Kong and Switzerland still ask for an in-person or video-verified meeting, so we cover those through our advisors instead.

How many accounts should a company have?

Two, in different institutions. One primary operating account and one backup in another jurisdiction covers you if a compliance review pauses the first.

Why is this ranking different from other lists?

We only list providers we have a working or verified relationship with, so anything we cannot support end to end is left out. Within the list, the order comes from onboarding outcomes our advisors see, and it is not for sale. Read the full method on our methodology page.

See how we score every bank
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