Question 1

Which business card is best for EU companies in 2025?

Accepted Answer

Wise Business Card is the best overall choice for EU companies, especially those with international operations. It offers no monthly fees (only £5 one-time card fee), real exchange rates (0.33-0.41% FX fee), 40+ currencies, and strong accounting integrations. For teams needing expense management and cashback, Revolut Business is an excellent alternative.

Question 2

Which business card offers the best cashback?

Accepted Answer

Revolut Business offers the best cashback: 0.5% on the Grow plan ($59/month) and 1% on the Scale plan ($119/month). N26 Business You offers 0.1% cashback for €9.90/month. However, for most freelancers and small businesses, Wise's zero monthly fees and lower FX rates save more money than cashback programs.

Question 3

What are the ATM withdrawal fees for business cards?

Accepted Answer

ATM withdrawal allowances vary: Wise Business offers £200/month free then 1.75%, Revolut Business $0-300/month free then 2% (plan-dependent), N26 Business You has 5 free withdrawals/month then €2 each, and Qonto offers 5 free on Solo plan with unlimited on higher tiers.

Question 4

How do multi-currency business cards work?

Accepted Answer

Multi-currency business cards allow you to hold and spend multiple currencies without conversion fees. Wise supports 40+ currencies with 0.33-0.41% conversion fees only when needed. Revolut supports 25+ currencies with free conversion up to limits. For businesses with international clients, multi-currency cards save significant money on FX fees.

Question 5

What are virtual business cards and why use them?

Accepted Answer

Virtual business cards are digital-only cards for enhanced security, control, and tracking. Benefits include creating single-use cards for subscriptions, setting individual spending limits, separating expenses by category, and instant card creation. Wise, Revolut, and Qonto offer virtual cards. N26 Business does not.

Question 6

Which card has the best expense tracking features?

Accepted Answer

Revolut Business and Qonto lead in expense management. Revolut offers automatic categorization, receipt capture, team policies, and real-time notifications. Qonto provides advanced receipt matching, approval workflows, VAT detection, and German/French compliance. For teams needing detailed tracking, these are best. For freelancers, Wise's accounting integrations are sufficient.

Question 7

How do team business cards work?

Accepted Answer

Team business cards allow issuing multiple cards to employees with individual controls. Wise, Revolut, and Qonto support team cards with spending limits, tracking, and remote management. N26 Business does not offer team functionality. Team cards eliminate expense reimbursements and provide real-time visibility. Revolut and Qonto offer the most advanced team card features.

Question 8

Do business cards integrate with accounting software?

Accepted Answer

Yes. Wise Business integrates with Xolo, QuickBooks, Xero, FreeAgent, Sage, and 40+ platforms with automatic sync. Revolut integrates with QuickBooks, Xero, and offers API access. Qonto provides strong integrations with Datev (Germany), QuickBooks, Xero, and EU accounting platforms. N26 Business has limited integrations with mostly manual CSV exports.

Provider	Wise Business Card Recommended	Revolut Business Card For Teams	N26 Business Card	Qonto
Pricing
Monthly Fee	Free Card fee: £5 one-time	Included Free-$119/mo plan	€9.90 N26 Business You plan	From €9/month 4 plans: Solo to Enterprise
Pricing & Fees
Monthly Fee	€0	$0-119 (plan)	€9.90	€9-299
Card Cost	£5 one-time	Included	Included	€5-6/card
ATM Withdrawals	£200/month free, then 1.75%	$0-300/month free*	5x free/month	5x free/month*
FX Fees	0.33-0.41%	0.6-1%*	0% (Mastercard rate)	1%
Card Features
Cashback		Up to 1%*	0.1%
Virtual Cards
Team Cards
Multi-currency	40+ currencies	25+ currencies	EUR primary	Limited
Apple/Google Pay
Expense Management
Expense Management			Basic
Spending Controls
Receipt Capture
Accounting Integration			Limited
Summary
Best For	Freelancers & international businesses needing multi-currency	Teams needing expense tracking and cashback rewards	German freelancers primarily working in EUR	EU teams needing strong expense controls and compliance

Business Card Comparison 2025

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