Geschäftskonten: Die besten und günstigsten digitalen Bankkonten für Selbstständige und Unternehmer

Köln – Starting up a business requires careful organization from the very beginning, and one of the most important steps is opening a business account. Entrepreneurs should separate their personal and business finances right from the start. According to Annick Weikert, a financial trainer specializing in freelancers, "The golden rule for entrepreneurs is to split their accounts.

This allows self-employed individuals to immediately see whether their business is thriving or not." At a minimum, founders should maintain three accounts: a personal account, a business account, and a savings account for tax purposes. "Having this overview saves time, money, and nerves, as there will be no need to sort things out later," Weikert explains.

When choosing between a traditional brick-and-mortar bank and a digital bank for a business account, entrepreneurs must consider their specific needs. "If they need to take out a loan and be able to consult in person, a branch account is more suitable," Weikert advises. However, if they can do without both, they will save on account maintenance fees by opting for a digital account.

The FMH Financial Advisory Service has exclusively reviewed 26 accounts from ten providers for BusinessWeek, evaluating them based on monthly maintenance fees, costs for cashless transactions, the presence of additional services such as integration with accounting software and interest on balances, and the number of free cards.