Bank accounts
The same handful of providers cover most of Northern Europe, but the fees, the account details you receive, and who they will accept differ by market. Start with the country you are actually incorporated in.
How to open a Danish business bank account
Danish banks turn down most new companies. Here is what an erhvervskonto actually costs, which providers accept Danish companies, and how to handle NemKonto and MobilePay if your account is not Danish.
Read the guideHow to open a Swedish business bank account
Bolagsverket will not register an AB until a bank confirms the share capital, and Swedish banks decline plenty of new companies. Here is how the bankintyg works, which providers accept Swedish companies, and what you lose without a bankgiro number.
Read the guideHow to open a German business bank account
Germany is the easiest of these five markets to bank in — genuinely free Geschäftskonten exist and SEPA makes a foreign IBAN a minor issue. Here is who is legally required to have one, how the GmbH capital account works, and which providers issue a German IBAN.
Read the guideHow to open a Finnish business bank account
A Finnish Oy is not legally required to hold a business account, and Finland has been IBAN-native for years, so a foreign account is barely a handicap. Here is what a Finnish IBAN still buys you, which providers issue one, and how Vero pays refunds.
Read the guideHow to open a UK business bank account
Free business accounts are ordinary in the UK, so price is the wrong thing to compare. Here is who legally needs an account, the difference between a bank and an e-money firm, and which providers give you a real sort code and account number.
Read the guide