Clean default
Good first pick when accountant/export workflow matters more than lowest monthly fee.
Business bank accounts
Put business money somewhere boring and exportable.
The account is not just a place to hold cash. It is the source of truth for MoR payouts, software subscriptions, business address payments, cards, receipts, and bookkeeping exports.
Bank ranking
Rank accounts by the job they need to do.
Scores are for a solo software business in Germany receiving MoR payouts, not a payroll-heavy company.
Cost-aware
Strong solo account candidate with invoicing, expense features, and a free or low-cost entry.
Tax reserve
German IBAN plus automatic tax reserve framing, built for freelancers and sole traders.
Use carefully
Revolut
Good multi-currency product; check German exports and MoR acceptance before using it as the only account.
Feature matrix
Check the boring details before signing up.
Account choice matters when payout verification, IBAN country, receipt workflow, exports, and accountant handoff become daily work.
Bookkeeping layer
The bank feed is only one piece.
The bookkeeping tool stores receipts, categorizes expenses, handles cash-basis and VAT workflows where applicable, and gives an accountant usable exports.
Before signup
The checkout test is not enough.
Open bank onboarding far enough to confirm required documents, business address acceptance, IBAN country, and export formats. Ask a Steuerberater which bookkeeping export they prefer before locking the stack.