Who one Companys want to start a business and become self-employed has to consider a lot. Among other things, every entrepreneur needs a business account. What is there to consider? One checklist with 5 tips on the topic.

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Finance for the self-employed: Why is choosing the right account important?

The day before yesterday we were closed in our small row Finance from self-employed about the right one Insurance for entrepreneur reported. Today it's about them Choice the correct business account. Because whoever founds a company cannot avoid it.

The account is used to track outflows and inflows of each Company posted. Various banks offer a business account. However, a business account is not always the right choice. It depends on the type of your company, eg whether you are a freelancer or a partnership. Other criteria are also important.

5 Tips for choosing the right business account

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  1. The right account for every corporate form: For corporations such as the GmbH or UG the business account is part of the company foundation. The business account is the place where the capital of a limited company is paid. Individuals and freelancers can continue to use their current account.
  2. Separate account also for freelancers and sole traders: However, it is more advisable to set up an extra account, as it is always an advantage to separate private and professional income. In general, as a partnership, you can set up a business account with a branch bank or a current account for freelancers. In addition, there is a modern online business account, which is free in most cases.
  3. Business account with a branch bank or an online bank: There are some important differences to consider when choosing between setting up a business account with a branch bank or an online bank. For regular cash transactions and the establishment of a current account limit, a business account with a branch bank is more advantageous than with an online bank. Addressing a customer advisor directly is worth its weight in gold here. Anyone who travels a lot and controls their business expenses primarily via the account is in good hands with an online bank. Very cheap offers are often made here by online banks.
  4. Free Girokonto yes or no? Anyone who is self-employed as a sole trader or freelancer can also use a free current account. Partnerships and corporations are forced to set up a corresponding business account. Anyone who uses the free current account should make sure that private and business expenses and income are always separated, otherwise an exact billing becomes impossible and means additional work.
  5. The online business account: Many online banks advertise with a free business account. You can find a suitable business account via, for example, AccountRat. However, you should check carefully whether the account is really free. Often there are high fees for additional services. Therefore, it is always worth checking beforehand. In addition, the English limited company is often excluded from this service. Therefore, all provisions and offers should be carefully checked beforehand.

Conclusion: Compare correctly!

Business accounts are almost always a must for entrepreneurs. Almost all banks offer this service. You should take your time to review the various services and offers in order to find the optimal offer for your own company.

Anyone who decides on a bank and an offer should have checked it thoroughly. This bank will usually become your house bank and ideally a long-term partner of yours Shops and things to do.

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