Managing freelance income across the UK and Slovenia can get complicated when you're dealing with EUR payments, international transfers, exchange rates and different account eligibility rules.

In this guide, we've compared business account options relevant to freelancers working across the UK and Slovenia so you can understand fees, features, eligibility points and cross-border use cases before choosing an account. Slovenian business accounts generally have different eligibility requirements from a UK Wise Business account, so check which options you can actually open before comparing costs.

Note: Wise Business pricing for UK customers shows the current fees for the features you use. Registration has no charge; a one-time £50 fee applies to account details for receiving payments. Check the live pricing page before applying.

Provider features, fees, eligibility checks, protections and timelines mentioned in this article may vary by customer, business type, application outcome, plan and country. Check the provider's website and terms and conditions for the most accurate and up-to-date information.

Wise services and features are not available in all regions, country and product restrictions apply. Visit wise.com to check availability, and for fee details and terms for your region, visit our pricing page for Wise Business.

Summary of options

These are account options for different circumstances, not interchangeable products. Wise details and fees below are for eligible UK customers; the other providers describe Slovenian or EEA products. Compare only products for which you meet the provider's eligibility rules. Prices in GBP and EUR do not represent equivalent services or a total-cost ranking.

1. Wise Business

Wise Business is designed for eligible freelancers and businesses that work across currencies. It can be useful if you invoice UK clients in GBP, Slovenian clients in EUR, or work with clients elsewhere.

Wise Business features for eligible UK freelancers working with Slovenian clients:

Send money to supported countries and pay overseas invoices at the mid-market exchange rate with transparent fees (product availability and fees vary by route and region)
Receive payments in supported currencies, subject to the receiving method and account eligibility
Get local account details for eligible currencies, including USD and EUR, to let your customers pay in a currency they know and trust - convenience for them and peace of mind for you
Hold money in supported currencies
Convert supported currencies at the mid-market exchange rate with low, transparent fees
Use the batch payments tool to prepare multiple payments in one workflow, subject to current limits
Get business debit cards for eligible team members to keep track of team expenses and spending in supported locations, with transaction visibility and categorisation
Manage cash across supported currencies and business accounts, subject to feature availability
Connect and sync supported business transactions to your accounting software, including Xero, QuickBooks, and more
Create your own payment approvals process to manage your team better with customised access for different team members, roles and permissions
Create custom professional invoices and schedule invoice payments for future dates
Automate payouts with the Wise API (comes with 24/7 customer support, a sandbox account to test integrations, API tokens, and clear documents on how to implement and make the most of our API)

Fees:

Wise Business pricing lists the current UK fees. Registration has no charge; a one-time £50 fee applies to account details for receiving payments. Fees for transactions and optional features depend on the currency and route.

Here's a more detailed breakdown of Wise Business pricing in the UK:

Account details for receiving payments: £50 one-time fee
Sending money: from 0.24%, depending on currency and route
Holding money: £0
Receiving domestic payments (non-SWIFT / non-wire): £0
EUR SWIFT payments: €2.39
ATM withdrawals: £0 Wise fee up to £250/month per account, then 2.69% on the amount above £250; ATM providers may charge separately

Note: The fees mentioned above are for UK residents opening a Wise Business account in the UK. If you are opening a Wise Business account for the first time in Slovenia, then refer to the Wise Business pricing for Slovenia.

The withdrawal allowance with no Wise fee varies by country and is calculated per account. Check wise.com/pricing for additional information.

2. Intesa Sanpaolo Bank Basic Package

The Basic Package combines a business transaction account with payment and card services for smaller businesses.

Features:

According to Intesa Sanpaolo Bank's Basic Package page:

Business transaction-account management.
An Activa Visa business debit card, including its issuance and monthly card fee.
Three electronic payment orders of up to €50,000 to accounts at another bank each month.
One electronic internal payment order each month.
Three received EUR payments to the transaction account from Slovenia and EU/EEA countries each month.
SMS notifications about payment-card transactions.

Fees:

According to Intesa Sanpaolo Bank's Basic Package page:

Basic Package monthly fee: €8.
The Start-up Package has no monthly package fee for its first 12 months where the provider's eligibility conditions are met; other fees may apply.
The listed payment allowances are included in the package; check the current tariff for charges above those allowances and for services not included.

3. N26 Business

N26 Business Standard is N26's account tier with no monthly plan fee for eligible self-employed people and freelancers.

Features:

According to N26's Business Standard page:

A business account plan with no monthly plan fee for eligible self-employed people and freelancers; other fees may apply.
A Business Mastercard debit card.
Two cash withdrawals in the Eurozone are included each month; further withdrawals may incur a charge.
0.1% cashback on eligible card purchases, subject to N26's terms.

Fees:

According to :

Business Standard has no monthly account fee.
Two Eurozone cash withdrawals a month are included; check N26's current pricing for charges that may apply after that allowance, for card delivery and for other services.

4. OTP banka Smart Business

OTP banka's Smart Business bundle is designed for sole proprietors and micro-enterprises.

Features:

According to OTP banka's Smart Business page:

Business account management for day-to-day banking.
The first issue of a Visa debit card and annual membership fee for a Visa charge card with deferred payment.
Use of online, electronic or mobile banking and a security element.
SMS transaction notifications for the selected debit or charge card.
An automatically approved account overdraft of up to €1,000, subject to the provider's conditions.
Support from a business administrator by phone, email and branch.
A time-limited POS-terminal rental and connection offer for qualifying businesses that have not accepted card payments in the preceding 12 months.

Fees:

According to OTP banka's Smart Business page:

Monthly price for private entrepreneurs: €9.49.
Monthly price for companies: €14.99.
Check the current tariff for transaction charges, services outside the bundle and the conditions that apply to overdrafts and the POS offer.

5. Revolut Business

Revolut Business offers plan-based business-account tools for eligible Slovenian businesses.

Features:

According to Revolut Business's Slovenia page, the features available in the Basic plan include:

A multi-currency business account, transfer tools, corporate cards and payment-acceptance options, subject to eligibility and availability.
Access to the provider's expense-reporting product as a paid add-on; Revolut says this is available on all plans at an extra cost.
A plan-based currency-exchange allowance. The allowance varies by plan, and Revolut says charges can apply above it or outside market hours.

The features available in the Grow plan include the Basic-plan core account tools, plus:

Access to Revolut Business's API and business integrations.
The option to order Revolut Business Metal cards, with the number of complimentary cards varying by plan and fees potentially applying beyond the allowance.
Custom expense approvals and some HR integrations when the paid Expenses add-on is used.
A €15,000 monthly currency-exchange allowance without Revolut's exchange fee; Revolut says a 0.6% fee applies above the allowance and a 1% fee can apply outside market hours.

The features available in the Scale plan include the Basic-plan core account tools, plus:

Access to Revolut Business's API and business integrations.
The option to order Revolut Business Metal cards, subject to the plan allowance and any additional card fees.
Custom expense approvals and some HR integrations when the paid Expenses add-on is used.

Revolut reviews applications during account set-up. Opening an account or moving to another plan does not guarantee access to every service, as further eligibility criteria may apply.

Fees:

According to Revolut Business's Slovenia page:

Basic: from €10 a month.
Grow: from €30 a month.
Scale: from €90 a month.
Subscription fees and plan terms apply. Check the live pricing and plan allowances before applying.

Manage your freelance earnings in Slovenia like a pro with Wise Business

Wise Business pricing for UK customers lists the current fees and conditions for account details, payments, conversion, cards and optional features.

Explore Wise Business

Frequently asked questions

Can I open a Slovenian business account online as a freelancer?

Some providers let you begin an application online, but eligibility and verification requirements vary. According to SPOT's sole-trader registration page, an s.p. registration involves Slovenian Business Register and Tax Register steps, while providers set their own account-opening checks.

What should self-employed freelancers consider when choosing an account in Slovenia?

There is no single account that suits every freelancer. Compare your eligibility, the currencies you invoice in, account and transaction fees, cards, integrations and whether the account supports the way you receive and spend money. Read the provider's current terms before applying.

What paperwork is required to open a business account in Slovenia?

For an s.p. registration, SPOT's sole-trader registration page lists a valid identity document, tax number and evidence that you may use the business address where required. A provider may ask for further identification and business information when you apply for an account.

Do I need a Slovenian address to open a business account?

It depends on the provider and the type of business you are registering. Review the provider's eligibility rules and the information it asks for during the application rather than assuming that a UK address will be accepted.

Sources:

Revolut Business Slovenia
OTP banka - Smart Business
Intesa Sanpaolo Bank - Basic Package
Revolut Business - Corporate Cards
Revolut Business - Business Integrations
Revolut Business - Expense Management
Revolut Business - Multi-Currency Business Accounts

Sources last checked on 29 September 2026

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.