How does Approly help SMBs compare business bank accounts?

Approly uses AI-powered matching to compare business bank accounts, fintech alternatives, loans, insurance and card terminals across the Nordics, so SMBs and advisors can pick the best fit and apply with a single package.

Which countries does Approly support?

Approly serves businesses primarily across Denmark, Sweden, Norway and Finland, with additional coverage in Germany, Spain, Portugal, Romania and Bulgaria.

Is Approly free to use for business owners?

Business owners can compare products and start applications for free. Optional paid packages add document generation, KYC handling and direct submission to Providers.

How much does a business bank account cost in 2026?

From €0/month (digital EMIs like Wise) up to €30-60/month for traditional banks. International transfers and FX markup can be the largest cost — we show total cost based on your usage.

Can I open a business bank account as a new company?

Yes. EMIs like Lunar, Revolut Business and Wise often approve new companies within 24 hours. Traditional banks have stricter requirements.

Which business bank account is best for e-commerce?

FX markup, card payment and Shopify/WooCommerce integration are key. Wise Business, Airwallex and Lunar Business are popular choices depending on volume.

How long does it take to open a business bank account?

Digital providers can activate within 1-3 days. Traditional banks take 2-6 weeks due to manual KYB.

Do I need to move everything from my current bank?

No. Many businesses run two accounts — a main bank for loans, plus an EMI for daily operations and international transfers.

Can non-residents open a business account in the EU?

Yes. Several EMIs including Wise, Revolut Business and Airwallex accept non-resident founders for EU-registered companies.

Business Bank Account — Compare Best in EU 2026

Try free — no account needed

Question 1 of 3

Get your matches in 30 seconds

3 quick questions. We'll show how many providers match — and what you save.

What's your annual revenue?

Takes 30 seconds · no commitments

Benefits of comparing business bank accounts online — best price, fast onboarding

30+ banks and EMIs

Lunar Business, Revolut Business, Wise, Qonto, Airwallex, plus traditional banks across Denmark, Sweden, Norway, Finland and Germany.

Industry-matched

We only show banks that accept your industry. No time wasted on rejections from providers that don't take your segment.

Apply once, send to many

Fill out the application once. Send to 1, 5 or 10 banks at the same time and get answers within days.

Transparent price comparison

See monthly fees, transaction prices, FX markup and card fees side by side — no hidden small print.

Business bank account comparison: Approly vs. searching yourself

The traditional path takes 2-6 weeks and often involves rejections. Here's how Approly is different:

	Approly	Standard
Banks compared	30+	1-3 (typically your current bank)
Time from application to answer	1-5 days	2-6 weeks
Industry check before applying	Automatic	Discovered after rejection
Price transparency	All fees visible	Hidden in price lists
Application reuse	Yes — once, send to many	New application per bank

How to open a business bank account in 4 steps (EMI or neobank)

1
Create company profile
Enter registration number, revenue, industry and currency needs. Takes 3-5 minutes.
2
Get matching banks
We only show banks that accept your industry, revenue and setup.
3
Send application package
Complete package with cover letter, KYC, KYB documents and financials.
4
Receive offers
Answers within days. Pick the provider that suits you best.

Business bank accounts for every industry — including hard-to-bank sectors

We find banks that say yes — including in industries like fintech, e-commerce, crypto, gambling, consulting and holdings:

Restaurant & hospitalityE-commerce & marketplaceHolding companyIT & SaaSConsulting & advisoryCrypto & blockchainConstruction & tradesMarketing & agencyHealthcare & clinics