Professional Bank Account Requirement: Who Qualifies and What You Get
Learn if your business needs a dedicated professional bank account and the costs involved in staying compliant in France.
In France, certain business structures are legally required to maintain a bank account that is separate from their personal finances.
Who it's for
This requirement applies to business entities such as SAS or SARL. If your business is registered as one of these legal forms, you must have a dedicated account.
What you get
The main benefit is the legal separation of your business funds from your personal money. This makes it much easier to track your professional income, pay your business expenses, and manage your taxes without mixing funds.
What it costs you
Opening and maintaining a professional account is not free. You will need to pay monthly fees to your bank, which typically range from €10 to €50 depending on the services you choose.
The catch to know
There is a distinction between a "professional account" and a "dedicated account." If you are registered as a micro-entrepreneur, you are not strictly required to have a specific professional account, but you must have a dedicated account used solely for your business activities.
How to apply
- Determine your business legal status to see if you fall under the mandatory requirement.
- Compare different banks to find the monthly fee that fits your budget.
- Open the account using your business registration documents.
- Ensure all business transactions are conducted through this specific account.