Best Business Bank Accounts for Freelancers (2026)
Keeping your business and personal finances separate is the single best financial habit you can build as a freelancer. These online banks are designed for self-employed workers — no minimum balances, no monthly fees, and features built for how you actually operate.
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Quick Answer
Relay is the best overall business bank for freelancers — free, no minimums, and supports multiple sub-accounts for tax savings buckets. Mercury is best for US LLCs and those who want high-yield savings attached.
Relay
Modern business banking with no monthly fees.
Mercury
Banking built for startups and freelancers.
Pro tip: Save for taxes automatically
Open a separate savings account for taxes and automatically transfer 25–30% of every payment you receive. Use our calculator to find your exact rate.
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