Startups need an online bank that meets their needs. It should be responsive, offer comprehensive banking services, be easy to use, and have a team of professionals available when needed. Some banks meet these criteria perfectly and are therefore widely used by startups.QontoTo start with, we have Qonto. This online bank, specialized in the domain of self-employed, small business, and startups, offers a comprehensive and qualitative range of services. Opening an account is just a few clicks away and Qonto even offers to help you set up your business. Specialized advisors are quickly available via chat. Once you are a customer, Qonto allows you to manage your finances on a daily basis by offering physical or virtual bank cards, SEPA transfers, expense reports, and automated accounting. In addition, to better manage your expenses, it is possible to create a bank account for each expense item (wage, suppliers, contributions, taxes, etc.).ShineThen there is Shine. This is an essential online bank that offers a variety of banking services. Via the mobile application, you have access to an unlimited transaction history, real-time notifications, and complete bank card settings. In addition, the account includes accounting and billing tools to ensure that you can manage your spending quickly. Various insurances are included to further simplify your daily life. If you have any questions, a team of experts is available 7 days a week to help you with your administrative procedures. Finally, your money is insured up to €100,000 by the Fonds de Garantie des Dépôts et de Résolution (FGDR).AnytimeAnytime online banking offers banking solutions for different types of businesses: self-employed entrepreneurs, small and medium-sized enterprises, and startups. With a bank account and a dedicated API, Anytime also offers you the possibility to automate the management of your finances to the maximum. From cards for each employee to international transfers and cheque cashing, this online bank offers you a complete service. Speed is at the heart of the experience, as you will be able to digitize your expense reports, use virtual cards to pay your suppliers in a few clicks, or make group transfers to optimize your time.
An online bank is a banking institution offering services accessible via a web browser and/or a mobile application. Sometimes it is just a subsidiary of a traditional bank, but it can also be a part of 100% online banks created by Fintech.These online banks offer a range of core banking products such as a current account and payment facilities. Offers for individuals also generally include savings products or consumer credit. Thus, online banking is above all a dematerialised bank benefiting from the advantages of digital technology.
First of all, an online bank usually tries to differentiate itself from a traditional bank. To do this, it must capitalize on its strength: dematerialisation. This characteristic offers essential advantages such as responsiveness. Indeed, an online account is accessible at any time and any place. For professionals launching a startup or striving to grow it, time is precious. For this reason, not having to travel or make an appointment with a bank advisor is invaluable. Alongside accessibility, we find immediacy. Opening an account quickly in an online bank, unlike a traditional bank, is a great convenience. Even setting up a company and desposting capital are steps that are taken in record time.Finally, this type of bank is ideal for controlling your expenses. Bank charges are reduced to a minimum or even non-existent. All this means that you don’t have to strain your budget unnecessarily, while still having access to a quality bank account that is adapted to your needs.
Online banking will save you a lot of time. Via your business account, you will be able to centralize your cash flow and keep a close eye on your income and expenses.In addition, the services offered by your online bank will enable you to manage all your financial activities:- Use of a bank card for each employee- Setting up payment limits for each member- Creation of virtual cards if necessary- Follow-up of current operations- SEPA transfers and direct debits- Etc.In addition, multiple payment methods will be perfect to adapt to your business needs. You don’t waste time, as real-time notifications on your smartphone allow you to focus on what’s important: developing your business.Managing your business becomes simpler, as this anywhere bank makes it easy to manage your business. Moreover, the best online banks offer you the possibility to automate your accounting. Freed from the cumbersome procedures of traditional banking, you can optimize your time and concentrate on managing your team.In addition, some banks offer experts available 7 days a week to help you manage your account, but who are also able to answer administrative questions.So you can run your business more efficiently with online banking by optimizing your time and improving accounting tracking.