Self-employed driver and legal obligation to open a bank account

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For companies, it is mandatory to have a bank account dedicated to their professional activity.
As a self-employed person, you are required to open a bank account dedicated to your activity as a self-employed person, if your turnover exceeds €10,000 two calendar years in a row. However, and in accordance with The PACTE law of 22 May 2019, the law does not require you to open a specific bank account if you do not exceed this threshold.

Opening a bank account dedicated to your business is always recommended, for several reasons. Whether to more easily justify professional transactions and not to confuse them with your personal transactions. Or even to simplify the accounting and management of the funds generated by your activity. Finally, to greatly facilitate the declarations of turnover to the Urssaf when you are under the micro-enterprise regime.

A pro account to separate professional and personal transactions

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The first advantage of a bank account dedicated to your activity as a self-employed driver is separate your professional resources from personal resources. Indeed, in the absence of a dedicated account, it is easy to get lost between the various account transactions. However, financial confusion between the private and professional spheres can have important consequences, especially from a fiscal point of view. In the event of an audit by the Tax Administration, you will have much more difficulty in justifying your professional transactions in the context of your activity.

Blank, a subsidiary of Crédit Agricole, is an online professional account dedicated to the self-employed and to your activity as a driver.
Thanks to Heetch, benefit from a €100 bonus when you open your Blank pro account! Discover their offers and all the associated services.

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a professional bank account to simplify your daily accounting

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Unlike a traditional bank account, which offers basic and often limited services, a professional bank account is created to meet the needs of the self-employed.

By opening a professional bank account, you make your life much easier. You can easily manage your cash inflows and outflows, organize your accounting as you wish, make transfers and schedule withdrawals. Everything is automated from your dedicated mobile application in a few clicks.

And if you choose a professional online bank, you also make significant savings. Indeed, a professional bank account subscribed to an online bank is less expensive than a bank account opened with a traditional bank.

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A pro account to facilitate your declarations to Urssaf

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Paying social security contributions to URSSAF is a time-consuming task that few self-employed people appreciate. By opening a professional bank account, you are relieving yourself of this tedious task to focus more on your business as a self-employed driver.

In partnership with Urssaf, Blank offers all its micro-entrepreneur customers a qualitative service for the declaration and payment of contributions. To access it, simply go to the Blank application.

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