Freelancers, entrepreneurs, and small business owners in France no longer need to rely on traditional bank branches to manage their finances. The new generation of professional banking apps delivers speed, flexibility, and a user experience designed for busy professionals.

Decodeapps ranked the top-performing pro banking apps for Android and iOS in France during Q4 2024, based on average user ratings in the app stores. Here’s what the data shows about the leading players in this space.

Android: Best Pro Banking Apps in France (Q4 2024)

Among the 9 Android apps reviewed, these three came out on top—each offering something different depending on your needs.

1. Qonto – ⭐ 4.64

• Centralized dashboard for accounts, cards, invoices, and team expenses.
• Clean and intuitive design, making it easy even for first-time users.
• Accounting integrations with tools like Pennylane and QuickBooks.

Qonto keeps its lead on Android, though its rating dipped slightly. On iOS, it shares the top spot with Shine at 4.80.

2. Shine – ⭐ 4.56

• Tailored for freelancers and micro-businesses, with a minimalist interface.
• Built-in admin assistant for invoices, payments, and reminders.
• Highly responsive customer service is often highlighted by users.

3. Business – La Banque Postale – ⭐ 4.45

• Traditional but improving: now more modern and mobile-friendly.
• Multi-account management and user permission controls.
• Steady progress: user ratings improved slightly this quarter.

iOS: Top Rated Pro Banking Apps (Q4 2024)

On the iOS side, the competition is tight—but user satisfaction is clearly high. Here are the 3 highest-rated apps among the 9 analyzed:

1. Shine – ⭐ 4.80

• Clean UI and a smooth, responsive experience.
• All-in-one platform with administrative assistance built in.
• Highly recommended by freelancers for its simplicity and clarity.

2. Qonto – ⭐ 4.80

• Feature-rich banking experience for startups, SMEs, and solopreneurs.
• Real-time expense tracking and flexible card control.
• One-click accounting export saves time at tax season.

3. Blank – ⭐ 4.70

• Banking app by La Banque Postale, designed for independent professionals.
• Offers tax management and invoicing tools directly in the app.
• Fast-growing adoption, with strong reviews from new users.

💡 Final Thoughts

Qonto, Shine, and Blank are clearly leading the way in France’s professional banking app market. Each has its own positioning: Qonto for structured teams and startups, Shine for solo professionals, and Blank as a rising alternative with deep admin support.

If you’re self-employed or running a small business and looking for a banking solution that works wherever you are, these three apps should definitely be on your radar as we move into 2025.

Only first 100 apps are listed, we can benchmark exactly what you want