SumUp Business Account
Your free online business account
Apply today for a free online business account with SumUp and enjoy smart, easy features that help you manage all things money in minutes.

Fast signup
Apply online and get your IBAN in minutes. Plus, you can top up instantly to make payments before your Mastercard arrives.
Instant payments
Bills to pay or supplies to buy? Send and receive money instantly and fee-free via SEPA Instant Credit Transfer and save time and money.
Access anywhere
No forms, no fuss, no trips to the bank. Manage your business’s money with ease from your smartphone or desktop—anytime, anywhere.
Get a free, contactless Mastercard
Business Mastercard
Get your free contactless Mastercard for your business expenses and track spending in the SumUp App.
Pay contactless
Link your card with Apple Pay to make fast, convenient payments at millions of locations.
Shop anywhere
Use your card wherever Mastercard is accepted – in shops, online and at the cash machine.
The business account with no hidden fees
We like to keep things simple, with one free plan for every small business. No monthly fee. No hidden charges. No surprises in the small print.
SumUp Business Account | Free |
SumUp Mastercard | Free |
SEPA bank transfers | Free |
Monthly fee | €0 |
Minimum balance | €0 |
Free ATM withdrawals | 3 per month |
Withdrawal fee thereafter | 2% |
Foreign withdrawal fee | 2% |
The business account with no hidden fees
We like to keep things simple, with one free plan for every small business. No monthly fee. No hidden charges. No surprises in the small print.
SumUp Business Account | Free |
SumUp Mastercard | Free |
SEPA bank transfers | Free |
Monthly fee | €0 |
Free ATM withdrawals | 3 per month |
Withdrawal fee thereafter | 2% |
Withdrawal fee abroad | 2% |
Built for your business.
We help freelancers, sole traders and small businesses manage all things money fast. So you have the freedom to do what you do best.

Open your business account today
You can set up your account online in a few short steps. No paperwork, no hassle and it doesn't cost a thing.
Sign up
Tell us a few details about your business
Get verified
Verify your identity quickly and easily
Add money
Top up fast to start making transfers
You're done!
Use Apple Pay while your card is en route
Take card. Boost your business.
Easy, flexible payments
Accept credit, debit and contactless card payments easily with a SumUp card reader. No contract and no hidden fees.
Faster cash flow
Make a sale and access the money in your business account the very next day—even on weekends and bank holidays.
View card readers

Your toolkit for all things business
Professional invoices
Create and send customised invoices with SumUp's easy, built-in invoicing tool.
Payment links
Share payment links with your customers via text, WhatsApp, Facebook or any other platform and get paid in a few clicks.
Friendly support
A dedicated customer support team is available to answer your questions via chat, email or phone.
Availability 24/7
Working at home, the office or on-the-go? Access your account anytime from desktop or mobile.
Instant notifications
Stay on top of your finances with alerts on your phone after every payment, deposit or withdrawal.
Transaction history
Keep an eye on your account activity and download it in a click to keep a record for your books.
Professional invoices
Create and send customised invoices with SumUp's easy, built-in invoicing tool.
Integrated accounting
Record expenses, upload bank statements and create reports to track your financial health.
Friendly support
Our customer support team is available to assist you 7 days a week via chat, email or phone.
Availability 24/7
Working at home, the office or on-the-go? Access your account anytime from desktop or mobile.
Instant notifications
Stay on top of your finances with alerts on your phone after every payment, deposit or withdrawal.
Transaction history
Keep an eye on your account activity and download it in a click to keep a record for your books.
Protection you can count on
3D Secure payments
Like to shop online? We use strong customer authentication to make sure your payments are always secure. Every time you pay online, you'll get a notification on your phone asking you to verify the transaction.
Card blocking
No need to panic if your prepaid Mastercard is lost or stolen. You can freeze and unfreeze it in seconds on your smartphone or computer—anytime, anywhere.
Guaranteed protection
As an electronic money institution authorised by the Central Bank of Ireland, we safeguard your money in a segregated bank account, ensuring your money is protected in any eventuality.
Get the business account that saves you time
Got questions? We've got answers
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