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Where Creative Entrepreneurs Keep Their Money

Megan Hill
Best Digital Bank Accounts for Freelance Creatives and SMBs

As a self-employed creative you're likely already wearing a lot of hats, so why make banking any harder than it needs to be?

It is important that creative professionals are able to separate their personal and professional finances—thankfully there are a growing number of digital banks offering a great alternative to traditional banks for self-employed creatives to do so. These banks also offer helpful tools and resources and are often compatible with existing apps in the creative entrepreneur's toolkit including Quickbooks, Stripe and Etsy.

What all creatives have in common, from interior designers to personal stylists, is the desire to spend less time managing finances and more time creating! So we've rounded up the best banks on the market that can help independent creatives do just that...


Lili is a bank looking to the future. In their own words: "Freelancers and small businesses are redefining work. We are redesigning banking to help them grow their business."

Lili is great for creative entrepreneurs at the start of their journey, with no fees and no minimum deposit.

Star feature: Tax Bucket. Lili helps you decide a percentage of your income to set aside to cover income tax—no more nasty surprises come tax return deadlines.

Best for: The new business owner.

Find out more about Lili here.


Unlimited cash back, free wires, free invoicing, expense tracking, and free checking account—and if that wasn't enough, Vergo also comes with no annual fees!

Still not sold!? Vergo is backed by design industry mogul, Kelly Wearstler. Now we're talking.

Star feature: Accounting integrations. Connect the accounting tools you're already using, such as Quickbooks and Xero, with Vergo—your accountant will love you!

Best for: The home-improvers.

Find out more about Vergo here.


ElloU is the financial offshoot of Talenthouse—"a network of creative platforms aimed at building a barrier-free space for your talent."

ElloU offers three tiers of membership to suit your growing business needs. As a member expect free transfers, free incoming payments in Euros, and currency exchange rates at your fingertips.

Star feature: Exchange rate calculator.  Make cross-border transactions a breeze with exchange rates available at the click of a button.

Best for: The European trader. Note: Right now, ElloU is only available in Europe. But they're rolling out "across the planet" as we speak.

Find out more about Ellou here.


A sophisticated way to manage your money. Found provides built-in bookkeeping, business banking, smart tax tools and professional invoice templates. In summary: "Smart, simple banking."

Star feature: Customised branded invoices. Stylish and functional, Found lets you create customized in a matter of minutes and supports client payments via Cash App, Zelle, Venmo, and PayPal in addition to credit card, debit card, and direct deposit.

Best for: The stylish and sophisticated.

Find out more about Found here.


NatWest's cool younger sibling—Mettle is a business account designed to help sole traders or co-owned limited companies "start, run, and grow."

With Mettle you can create invoices, export data to your accountant or sync with your existing accounting software—and its all completely free.

Star feature: All Mettle customers receive eat NatWest FreeAgent for free!

Best for: The bold new startup.

Find out more about Mettle here.

Visualist is building software to help creative businesses scale but stay bespoke. Find out more on our website.