For the solo freelancer
If you invoice a handful of clients per month in EUR and you file taxes once a year, the priority is accounting integration and invoicing. Qonto leads here for EU freelancers — it integrates with DATEV (Germany), QuickBooks (UK/multi), Xero, and has an invoicing product that exports cleanly.
N26 Business is a viable cheaper alternative if you don't need invoicing and just want a proper German IBAN separate from your personal account.
Looking specifically for the freelancer-focused selection (not business banking generally)? See our best EU neobanks for freelancers ranking — narrower scope, sole-proprietor edge cases, ELSTER and Auftragsdaten coverage.
For a small EU team
The question becomes multi-user roles, expense management, and receipt capture. Qonto and Revolut Business are the obvious choices. Revolut Business is cheaper at the entry tier; Qonto is stronger on accounting integration depth.
For international operations
If your revenue comes in multiple currencies, Wise Business is in a league of its own. Local IBAN details in 10+ currencies, mid-market FX, and a card that converts transparently. The protection gap (EMI, safeguarded) applies — so pair Wise with a full-bank euro account for tax-season parked cash.