Well, I only know the situation in Germany.
Technically, freelancers and sole traders conduct business, it’s just regulated differently than other businesses. With bank accounts, it might be still personal use, but it’s not consumer use. And all banks that offer traditional current accounts here in Germany make this distinction. Personal accounts should not be used for business expenses/income.
Having said that, I know many friends and colleagues that started using their personal accounts for their freelance work. And many banks seem to accept this to a certain degree. But I also know cases where the bank terminated the account because of a T&C violation.
From the perspective of the bank, this makes sense: business accounts are usually a little bit more expensive. They are less cross subsidized with other consumer offers. And business payment cards are not affected by the EU interchange fee regulation. Business cards have higher merchant fees!
I am just guessing here, but I believe the reason for this being phrased so vaguely is that a service provider needs to have the T&Cs bulletproof, for regulators and partners like Mastercard (who make a difference legally between consumer services and business services). But they also want some wiggle room for the occasional payment for freelance work. I would not risk using a service like Revolut as a business account or as a mixed personal/business account with a considerable amount of business related transactions.