Join newsletter

Where Creative Entrepreneurs Keep Their Money

business admin

Browse the best banks on the market for creative freelancers and entrepreneurs.

Words by 

Megan Hill

Published on 

January 23, 2023

mettle, found, ellou, vergo,lili, banks for creatives, digital banks, creative banking, banking for creatives, banking for freelancers, small business banks,

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.

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!

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.

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.

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!

Find out more about Mettle here.

Visualist is a software empowering creative professionals to work, earn and scale their businesses. Learn more here.

Up next in your reading list

Accounting Tools Fit for Creatives

Megan Hill

January 17, 2024

business admin

Accountancy For Creatives with Erin Walls

Megan Hill

March 6, 2024

business admin

Level-Up Your Financial Hygiene With Claire Van Holland

Megan Hill

February 9, 2024

business admin