Beste bedriftsneobanker 2026: Mercury, Qonto og Tide sammenlignet
Business banking has been one of the slowest areas to modernize, but in 2026, a new generation of business-focused neobanks is changing that. We tested Mercury, Qonto, and Tide to find the best option for startups and SMEs.
Mercury — Best for US Startups
Mercury has become the default bank for Silicon Valley startups, and for good reason. Their platform is designed specifically for venture-backed companies, with features like:
- Treasury management with automated yield optimization
- Venture debt integration
- Team card management with granular spending controls
- API-first approach for integrations
Mercury's clean interface and startup-friendly features make it the obvious choice for US-based tech companies.
Qonto — Best for European SMEs
Qonto serves over 500,000 businesses across France, Germany, Italy, and Spain. Their strength is in expense management and accounting integrations:
- Automated receipt matching with AI
- Real-time expense categorization
- Direct integrations with European accounting software
- Multi-user access with customizable permissions
Tide — Best for UK Freelancers
Tide has carved out a strong niche in UK business banking, particularly for sole traders and small businesses:
- Free business account with no monthly fees
- Instant invoicing with payment tracking
- Automated bookkeeping
- Integration with UK tax filing (Making Tax Digital)
The Verdict
**Mercury** for US startups, **Qonto** for European SMEs, **Tide** for UK freelancers. Each excels in its niche, and the choice largely depends on your geography and business type.