SumUp Business Account

Q: What can I do with my account?

.css-ueev0t{margin-bottom:0;} The SumUp Business Account is a handy way of separating your business and personal finances. With your account set up, you can: .css-ueev0t{margin-bottom:0;} Manage all your money in one place, on web or mobile .css-ueev0t{margin-bottom:0;} Make free, near-instant bank transfers in the SEPA region .css-ueev0t{margin-bottom:0;} Pay anywhere with your contactless Mastercard .css-ueev0t{margin-bottom:0;} Shop online safely thanks to advanced 3D-Secure technology .css-ueev0t{margin-bottom:0;} Use Apple Pay or Google Pay for faster, safer payments .css-ueev0t{margin-bottom:0;} Get cash out from any ATM (3 free local withdrawals a month) .css-ueev0t{margin-bottom:0;}

Q: How much does it cost?

.css-ueev0t{margin-bottom:0;} The SumUp Business Account is free, with no setup costs or monthly fees. It also doesn't cost anything to send or receive money. Plus, you get a free SumUp Mastercard comes when you open your account.

Q: Can I open multiple accounts?

.css-ueev0t{margin-bottom:0;} Currently, sole traders and small businesses are only able to open one SumUp Business Account.

Q: How do I add and send money?

.css-ueev0t{margin-bottom:0;} Take a look at our guides on how to .css-k1irjw{display:inline;} add money to your Business Account and how to send or receive money too.

Q: How is my money protected?

.css-ueev0t{margin-bottom:0;} SumUp is authorised and regulated as an electronic money institution in Europe by the Central Bank of Ireland (reference number: C195030). .css-ueev0t{margin-bottom:0;} This requires us to securely store your money in bank accounts that are unattached to SumUp's own bank accounts, meaning that whatever happens, your money will always be available to you. .css-ueev0t{margin-bottom:0;} We also use advanced 3D Secure payment protection to guarantee your online transactions are secure. Whenever you make a purchase online using your SumUp Mastercard, you'll be prompted to confirm the transaction on your mobile phone.

That payday feeling. Every day.

The SumUp Business Account is a free current account with an IBAN that gives you next-day access to your SumUp sales 365 days a year.

A sole trader manages money with her small business account

What is the SumUp Business Account?

The SumUp Business Account is the free online current account for sole traders and small business owners. Simple and secure, it covers all your business needs.

Get paid faster

Just made a sale via SumUp? Get your money in a day. No waiting. No extra cost.

Financial freedom

Bye, bank queues. Manage your money anytime, anywhere on mobile and web.

Instant SEPA transfers

Urgent bill to pay? Move money in seconds with free, instant SEPA bank transfers.

Already with SumUp?

Activate account

Not with us yet?

Click below to find the Business Account for you.

Learn more

Already with SumUp?

Activate account

Not with us yet?

Click below to find the Business Account for you.

Learn more

Your Mastercard. Your rules.

Photo of a woman holding the prepaid SumUp Mastercard

Spending, sorted

Payments in-store. Online shopping. Cash withdrawals. Purchases abroad. Get everything your business needs with your account's free contactless SumUp Mastercard.

Mobile wallet

Plus, you can add your card to Apple Pay or Google Pay to pay even faster, wherever you shop.

Security you control

Can't find your card? We've all been there. Lock and unlock it easily in the app and on web—anytime, anywhere.

See more features

More features you'll benefit from

Free to join

Opening your Business Account only takes a few minutes, and won't cost you a penny.

Free ATM withdrawals

Withdraw cash from any ATM in the country – with 3 free withdrawals per month.

3D Secure protection

Shopping online? Thanks to 3D Secure, you can rest assured you're always safe.

Push notifications

Get an instant alert on your phone each time you pay, get paid or withdraw cash.

Transaction history

Track transactions on mobile or web and download your statement in just a click.

Here to help

Need assistance? Chat to us online, via email or over the phone, 7 days a week.

Free to join

Opening your Business Account only takes a few minutes, and won't cost you a penny.

Free ATM withdrawals

Withdraw cash from any ATM in the country – with 3 free withdrawals per month.

3D Secure protection

Shopping online? Thanks to 3D Secure, you can rest assured you're always safe.

Push notifications

Get an instant alert on your phone each time you pay, get paid or withdraw cash.

Transaction history

Track transactions on mobile or web and download your statement in just a click.

Here to help

Need assistance? Chat to us online, via email or over the phone, 7 days a week.

The business account with no hidden fees

Just transparent pricing that helps you manage your money without breaking the bank.


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%

Zero hidden fees. Zero hassle.

Just transparent pricing that helps you manage your money without breaking the bank.

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%

Keeping your money secure

Two-factor authentication

Benefit from an extra layer of security that protects your payments by prompting you to authorise all online transactions made with your card.

Biometric identification

Securely verify transactions in-app using facial recognition or fingerprint ID for a bit of peace of mind when paying.

You're in safe hands

We're regulated by the Central Bank of Ireland and protect your money by holding it in segregated bank accounts unattached to our own.

Ready for faster SumUp sales? Open your account in minutes

Open my account

Ready for faster SumUp sales? Open your account in minutes

Open my account

Curious to know more?

Find answers to all your questions about the SumUp Business Account.

What can I do with my account?

The SumUp Business Account is a handy way of separating your business and personal finances. With your account set up, you can:

Manage all your money in one place, on web or mobile
Make free, near-instant bank transfers in the SEPA region
Pay anywhere with your contactless Mastercard
Shop online safely thanks to advanced 3D-Secure technology
Use Apple Pay or Google Pay for faster, safer payments
Get cash out from any ATM (3 free local withdrawals a month)

How much does it cost?

The SumUp Business Account is free, with no setup costs or monthly fees. It also doesn't cost anything to send or receive money. Plus, you get a free SumUp Mastercard comes when you open your account.

Can I open multiple accounts?

Currently, sole traders and small businesses are only able to open one SumUp Business Account.

How do I add and send money?

Take a look at our guides on how to add money to your Business Account and how to send or receive money too.

How is my money protected?

SumUp is authorised and regulated as an electronic money institution in Europe by the Central Bank of Ireland (reference number: C195030).

This requires us to securely store your money in bank accounts that are unattached to SumUp's own bank accounts, meaning that whatever happens, your money will always be available to you.

We also use advanced 3D Secure payment protection to guarantee your online transactions are secure. Whenever you make a purchase online using your SumUp Mastercard, you'll be prompted to confirm the transaction on your mobile phone.