Lili

Lili offers business banking aimed at small businesses and the self-employed, with a Visa debit card, no monthly fee on its Core plan, integrations with existing business tools, and a line of credit available to qualifying customers with no impact on personal credit at the application stage.

The tax orientation is what places it in this category rather than among general business accounts. Setting money aside for tax as income arrives, and categorising expenses as they occur rather than at year end, are the two habits that determine whether a self-employed person's filing is straightforward or a reconstruction exercise.

A free tier with no monthly fee removes the main objection to opening a separate business account. Mixing business and personal spending in one account is the most common bookkeeping mistake self-employed people make, and it persists mainly because a second account seemed to cost money for no visible benefit.

Paid tiers add capability at fifteen dollars a month for Lili Pro, discounted to nine dollars for the first three months, with the vendor noting paid plans are deductible business expenses. Credit is offered up to a stated maximum for qualifying customers, subject to approval.