# BoursoBank Business: Business account

> A free professional account from BoursoBank, the Société Générale group's online bank, for French sole traders, micro-entrepreneurs and one-person companies whose manager already has a personal BoursoBank account: free unlimited transfers, a free virtual Visa Business card and a physical card free with one payment a month.

Finzil profile: https://finzil.com/providers/boursobank-pro · Provider website: https://boursobank.com · Facts checked: 2026-10-20

## Key facts

- **Monthly fee:** €0
- **Setup fee:** Free
- **Currencies:** 1 (EUR; transfers in 32 currencies)
- **Onboarding:** 3–5 days (typical)
- **Provider type:** Bank (Société Générale group)
- **IBAN:** French IBAN
- **Payment rails:** SEPA, SEPA Instant, international transfers
- **Cards:** Visa Business, physical and virtual
- **Safeguarding:** Deposit guarantee (FGDR)
- **Remote opening:** Yes
- **Headquarters:** France

## Who can apply

- **Non-resident owners** (owner or director living outside the company's country): Not published
- **Countries of incorporation accepted:** France (only these)
- **Countries of incorporation refused:** Not published
- **Owner residency accepted:** Not published
- **Owner residency refused:** Not published
- **Owner nationality refused:** Not published
- **Company types accepted:** Sole traders and micro-entrepreneurs, EURL and SASU (one-person companies)

## Industries

- **Industries served:** Freelancers, Professional services, Startups and SMEs
- **Prohibited industries (provider's own list):** Not published

## Licences

- France: ACPR / ECB, Credit institution, BoursoBank (formerly Boursorama), register no. 40618 (https://www.regafi.fr/)

Safeguarding: BoursoBank S.A. (formerly Boursorama) is a French credit institution in the Société Générale group. Deposits are covered by the French deposit guarantee fund (FGDR) up to €100,000 per depositor.

## Fees

Source: https://www.boursobank.com/professionnels/carte-bancaire-professionnelle (checked 2026-10-20)

### Plans

- **Bourso Business:** Free

### Outgoing

- SEPA: Free
- SEPA Instant: Free
- SWIFT / international: Free · No sending fee; exchange and correspondent costs may apply

### Currency exchange (FX)

- FX markup: Not published

### Cards

- Virtual card issue: Free
- Monthly card fee: Free · Physical Visa Business free with at least one payment a month, otherwise €9
- ATM withdrawal: 1.69% · Foreign-currency withdrawals after 3 free a month

## Opening an account

Opening an account typically takes three to five business days.

1. **Personal account.** The manager must already hold a personal BoursoBank current account.
2. **Open Business.** Choose Bourso Business in the client area and give the business's SIREN.
3. **Checks.** BoursoBank checks eligibility and the documents requested.
4. **Account live.** The professional account and Visa Business card are activated.

Documents: Not published

## Pros and cons

- Pro: No account fee
- Pro: Free, unlimited SEPA, instant and international transfers (no sending fee)
- Pro: Free virtual Visa Business card; physical card free with one payment a month
- Pro: Opened in a few clicks from the personal BoursoBank app
- Pro: Bank account in the Société Générale group
- Con: The manager must already hold a personal BoursoBank account
- Con: Only sole traders, micro-entrepreneurs, EURL and SASU
- Con: Physical card €9 a month in a month without a payment
- Con: Foreign-currency cash withdrawals: 3 free a month, then 1.69%
- Con: No branch for cash or cheques

## Finzil's take (opinion)

Bourso Business is about the cheapest bank account a French sole trader or one-person company can have, but only if the manager already banks personally with BoursoBank. Companies with partners, or anyone needing branches for cash, should look at Hello bank! Pro or LCL instead.

## Alternatives

- [Hello bank! Pro](https://finzil.com/providers/hello-bank-pro): Bank · France
- [L by LCL Pro](https://finzil.com/providers/lcl-pro): Bank · France
- [Shine](https://finzil.com/providers/shine): Payment institution · France
- [Qonto](https://finzil.com/providers/qonto): Payment institution · France

## FAQ

**Is BoursoBank a bank?**

Yes. BoursoBank S.A., formerly Boursorama, is a French credit institution in the Société Générale group (bank code 40618). Deposits are covered by the FGDR up to €100,000.

**How much does Bourso Business cost?**

The offer is free: no account fee and free unlimited transfers. The physical Visa Business card is free with at least one payment a month, otherwise €9 that month.

**Who can open Bourso Business?**

Sole traders, micro-entrepreneurs and one-person companies (EURL, SASU) registered in France, whose legal representative already holds a personal BoursoBank current account.

**Can I deposit cash?**

No branch network is offered for business cash or cheque deposits on the Business pages.

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