A bank that understands your quiet months.
For sole traders and companies under fifty people. Invoicing and payroll built in, and a working-capital line underwritten by someone who reads the whole file.
- From €0 per month
- Opens in a day
- Lines from €25,000
- Opens in
- 1 day
- Monthly fee
- €0
- Credit lines from
- €25k
- Lending decision
- 5 days
Median for sole traders
On the sole trader account
Subject to status
Working days, median
Invoices that chase themselves.
Send an invoice from online banking, and we match the payment to it when it lands. Overdue reminders go out on your schedule, in your words.
- Payment matched automatically on arrival
- Reminders at 7, 14 and 30 days overdue
- IVA set aside into a separate pot as you go
Credit written against your season.
We look at how your year actually moves, the slow January and the summer you hire for, rather than a single ratio in a spreadsheet.
- Decisions in five working days
- Lines from €25,000 at Euribor + 1.25%
- No fee for repaying early
What business banking costs.
Business deposits are covered by the Fundo de Garantia de Depósitos on the same terms as personal ones, up to €100,000 per depositor. Some entities — other financial institutions and public bodies, for example — sit outside it.
Correct as of 19 September 2026. Lending is subject to status and affordability.
- Sole trader accountPer month
- €0
- Limited company accountPer month, includes multi-user access
- €9
- SEPA credit transfers in and outUnlimited
- €0
- Cash depositsAt a branch or a deposit cash machine, minimum €0.50
- 0.6%
- Working capital lineVariable, from €25,000
- Euribor + 1.25%
Questions for the business desk.
Sole traders, limited companies and ordinary partnerships registered in Portugal, where every director and person with significant control can pass our identity checks.
Yes, once your turnover passes €150,000 or you take lending from us. Below that you get the business desk in the app, which is staffed on working days.
The main Portuguese bookkeeping packages, through an open banking feed you can revoke at any time. Transactions sync within a minute of clearing.
Open a business account this week.
Sole traders are usually trading on it the next working day. Limited companies take two or three.