Welcome Product Hunters! Get your first month free of Lance Pro with promo code: HUNTED

Freelance Banking

Freelancers! Get a business banking account that pays your taxes, automates your savings, and sends you a paycheck.

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See How Lance Works
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Lance is an intuitive business bank account
designed for freelancers.

Transfer your salary

You decide how much you make. Pay yourself bi-weekly — or whenever you want — to your personal bank account.

Pay your taxes

Lance will automatically calculate, withhold and pay your quarterly taxes to the IRS. (Yep, you read that right.)

Budget your savings

Decide how much you want to save, and Lance will do the rest — putting a part of each paycheck toward savings.

Never miss a deduction

Whether you're booking a flight, getting phone, or taking a client to lunch, Lance will earmark it all for deduction.

We partner with the world’s best

How does it work?

Get paid for your work.

Route all your freelance business income straight to your Lance account.

Get taxes out of the way.

Lance will calculate your taxes, and automatically set the money aside every month. We'll even pay your quarterly taxes, so there won't be any unpleasant surprises at the end of the year.

Define your budget, and leave the rest to Lance.

Set your salary, saving and spending preferences, and forget about them. Lance will divvy up each paycheck according to your priorities.

Get paid for your work.

Route all your income straight to your Lance account.

Get taxes out of the way.

Lance will calculate your taxes, and automatically set the money aside every month. We'll even pay your quarterly taxes, so there won't be any unpleasant surprises at the end of the year.

Define your budget, and let Lance do the rest.

Set your salary and saving preferences, and forget about them. Lance will divvy up the rest of your money every month, according to your priorities.

The business banking experience of freelance dreams.

Hi. Lance co-founders here.
We know nobody ever taught you this stuff.
Nobody taught us either. We used to be in your shoes, 2 AM stress-googling “how much should I be saving” and “what is a 1099 form” and “is my equinox gym membership tax deductible???” It was like navigating a dark forest with a dying mini-flashlight. There was no simple way to conduct our finances.

The freelancer's status quo, to be blunt, kinda sucked. So we built Lance. Lance takes care of your backend and budgeting, so you can focus on your hustle and grow a financially compliant, stable freelance business.
No more dark forests. No more stress-googling.
Lance has arrived.
Open Free Account

Completly fee free...

$0 set up fees.
$0 monthly fees.
$0 ATM fees.
$0 transfer fees.
Clients can pay you directly via credit card. Simply create a payment request with Lance Checkout, share the link with your client, and they can pay you right away.

The card that tracks all your tax deductions.

Photographers need cameras, yoga teachers need music, and everybody needs a computer. Charge all business expenses to the Lance debit card, and we'll ensure your tax deduction.*
for limited time!

Open a Lance Pro account.
Get a free NFT.

Get a Lance Pro business account, and we’ll gift you a freshly minted, unique Freaky Freelancer NFT valued at $100.

We ♥️ our freelancers and they ♥️ us

5 🌟 across the board for your product and customer support!
Ivan Badia
Web Designer
There is absolutely no comparison as to Lance's banking features and customer service.
Mary MooreConsultant
The automation and stacks is what drew me to Lance. I couldn't find that anywhere else.
Richard AsencioSoftware Developer
Lance is fantastic. It's simple, and runs all my finances behind the scenes.
Erica EriksdotterArtist




Automatic tax withholding

Fee-free salary transfers

Instantly active virtual debit card

Unlimited payments, deposits, & transfers

Fee-free ATM deposits and withdrawals

Government-insured FDIC bank account

24/7 support

Unlimited accounting reports

lance pro


Everything in free

Lance Checkout for client payments

Automatic tax payment

Automatic fee-free salary transfers

Export your Schedule C


The complete package


of taxable income

You pay just $1 from every $100 in self-employed
income you earn

You only pay fees when your clients pay into
your Lance bank account

For anyone earning over $100,000 in a financial year,
Lance 1% fee is capped at $1,000

We automatically claim your Lance fees for
you as a business expense!

Join Now

Frequently asked questions

What is Lance?

Lance is the first smart business banking account for the self-employed. Lance automatically allocates personal income, tax withholding, business expenses and profit for individual businesses. With basic bookkeeping, entry level accounting and taxes done, self-employed workers now have everything they need to grow financially-compliant and stable businesses.

Is Lance secure and FDIC-insured?

Your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 through  Blue Ridge Bank; Member FDIC.

Do I have to be a freelancer to use Lance?

Lance is optimized for the self-employed. If you're a freelancer, a side-hustler, or anyone who uses a 1099 form, Lance is your best option for a business bank account.

Can I open an account if I’m not in the US?

You have to be a US citizen to open a Lance account.

How do you protect my data?

Your data security and privacy is Lance's top top priority. Some things we do to ensure your account safety include:- Requiring HTTPS on all pages, and use HSTS to ensure browsers only ever connect to us over a secure connection.- Employing a third party to perform penetration testing each year to check for vulnerabilities.- Storing passwords hashed with the bcrypt algorithm. We never store or log your plaintext password.- Using Time-based One Time Passwords for two-factor authentication. We never send authentication codes via insecure channels like SMS.- Encrypting our database and all uploaded images. We employ additional encryption for sensitive data, like social security numbers.- Never storing your debit card number.

Can I give my accountant access to my Lance account?

Not yet. But you can email Lance's financial statements and data to your accountant as often as you wish. It's free.

Will you really pay my taxes?

Yes! We pay your quarterly IRS payments. To file your annual tax statement, however, you will need an accountant. (We don't have that superpower yet.)

What constitutes as "income" for my Lance account?

Whether you're an Etsy shop owner, an Amazon seller, a content writer, wedding photographer, or fitness instructor -- anything you get paid for on a freelance basis counts as income.

So, can I route all my Venmo, Cashapp and Paypal payments to Lance?

You can and should. That's the best way to account for all your tax liabilities.

How do you determine how much I need to pay in taxes?

We've developed an algorithm that does exactly that, so you'll never have to worry about over- or under-saving for your taxes.

Are my expenses deducted automatically?

Yes! Just make sure to use your Lance debit card for all your business expenses.

Who decides my salary?

You do! When you open an account, you get to determine what percentage of your income your salary will be, and how often you’d like to receive it (bi-weekly or monthly). We'll work with you to fine tune the best percentage.

I earned less than usual this month. How does this reflect in my salary?

It doesn't. We try to keep your salary as stable as possible, for your own mental well being.

Welcome Product Hunters! Get your first month free of Lance Pro with promo code: HUNTED