In this guide
💡 Looking for a complete banking comparison? Read Best banking for expats in the Netherlands 2026.
bunq and Wise are affiliate partners of this site, and ABN AMRO is linked through an affiliate partnership as well; see our affiliate disclosure. The facts below come from each provider’s own pages, with the date checked.
Why a Separate Business Account Matters for ZZP Freelancers
If you operate as an eenmanszaak (sole proprietorship) in the Netherlands, a separate business bank account is not mandatory (KvK, checked 6 October 2026). In practice there are still reasons to have one:
- Bank terms. KvK notes that a bank’s terms usually say you may not use a personal account for business.
- Payment services and sales channels. Mollie, PayPal, Stripe and Klarna, and online sales channels such as Amazon and Bol, ask for a business account (KvK).
- Records. The Belastingdienst requires you to keep your business records for a set period (Belastingdienst, bewaarplicht). Keeping business transactions in one account makes those records easier to follow.
For personal banking, see our guide to bank accounts for expats, and the freelancer and ZZP guide for setting up as self-employed.
What to Look for in a Dutch Business Bank Account
- KvK registration. Banks ask for your KvK number. If you have not registered yet, see our KvK registration guide for expats.
- Monthly fees and per-transaction fees. Compare the monthly price and what a transaction costs at your volume.
- English-language support. Check whether the channels you need are available in English.
- Multi-currency. If you have clients outside the eurozone, check which currencies you can receive and what conversion costs.
- Accounting integration. Check that the bank connects to your bookkeeping software.
- Opening requirements. Check whether you can apply online and what documents the bank asks for.
The Full Comparison: Business Bank Accounts Reviewed
ING Zakelijk
ING is a large retail bank in the Netherlands and offers business accounts. ING publishes its current business account prices and conditions on ing.nl; we could not retrieve the current price list on 8 October 2026, so check it there before you decide.
ABN AMRO Zakelijk
ABN AMRO sells its business account as part of a Volop Ondernemen package: savings, foreign-currency options, Tikkie for business and business credit are part of its range.
Monthly fee: Slim €9.90, Ambitieus €13.75, Grenzeloos €22.25 (abnamro.nl, checked 8 October 2026). ABN AMRO says it will change some business rates and conditions on 1 January 2027. Business debit card €1.50 per card per month and a customer-due-diligence fee of €0 for an eenmanszaak, vof or maatschap and €6.50 (excl. 21% VAT) for a BV (abnamro.nl, kosten en tarieven zakelijk, checked 24 September 2026). Starter offer: ABN AMRO says companies registered with KVK for less than a year get the first 12 months of the package price free, and longer-registered companies 3 months, under its action terms (abnamro.nl, checked 8 October 2026). Opening: Online; ABN AMRO says the application takes about 5 minutes. Approval time is not stated. KvK required: Yes. Accounting integration: Bookkeeping link included from the Ambitieus package; Slim is the basic package. Savings: Up to 2 business savings accounts without extra cost. Support: Chat on all packages; phone support from Ambitieus.
ABN AMRO makes sense if you want a Dutch big bank and expect to need more than a current account later (foreign currency or credit). Slim is the entry package; Ambitieus adds the bookkeeping link. The app and website have English options, but check whether the support channel you need is available in English before you commit.
See ABN AMRO’s business packages →
Rabobank Zakelijk
Rabobank offers two business accounts (rabobank.nl, checked 8 October 2026):
- Rabo ZZP Rekening for a sole proprietorship or a BV with one owner: from €0.00 per month, a free account and debit card, and you pay when you use it. Rabobank says starters get 6 months of free transactions.
- Zakelijke Rekening for all entrepreneurs: from €9.95 per month, with lower costs per transaction and extra payment functions.
You choose an account, enter your KvK number, confirm the application in the Rabo App and Rabobank checks the application. Check whether the support you need is available in English.
bunq Business
bunq is a Dutch bank, regulated by De Nederlandsche Bank, so the Dutch deposit guarantee applies (bunq says up to €100,000).
Monthly fee: bunq Free Business is free (for sole proprietors), Core Business €7.99, Pro Business €13.99, Elite Business €23.99 per month (bunq.com, checked 8 October 2026). KvK required: Yes. Accounts: Up to 25 bank accounts, each with its own IBAN (bunq says; the number depends on the plan). Currencies: bunq says you can send and receive payments worldwide and hold and exchange 20 currencies. Accounting integration: bunq lists more than 50 accounting integrations. Other: Business debit and credit cards, Tap to Pay on iPhone and Android where available, and team expense management.
bunq Business is the option here with a free tier for sole proprietors and an NL IBAN. Check which of the features above are in the plan you would choose.
Wise Business
Wise Business is a logical option for freelancers with international clients.
Open a Wise Business account →
Wise is not a Dutch bank. In the EEA it is supervised by the National Bank of Belgium, and it works differently from a traditional bank.
Pricing: Registering is free. Wise lists a one-off set-up fee of EUR 60 that covers account details to receive money in 22 currencies and all Wise Business features. Sending money costs from 0.2%, depending on the currency, and receiving EUR Swift payments costs EUR 2.39 per payment (wise.com/nl, checked 8 October 2026). KvK required: check Wise’s onboarding for the documents it asks for. Multi-currency: Account details in 22 currencies, per Wise. Invoices and payments: Wise says you can create invoices, send payment links and accept card payments. Accounting integration: Wise lists supported accounting software on its site. IBAN: The EUR account details are a non-Dutch euro IBAN (Wise uses a Belgian BIC and address), not an NL IBAN. Debit card: Multi-currency debit cards for you and your team.
The fee structure is mostly per transaction rather than a monthly subscription. Wise is a payment institution, not a bank: Dutch deposit guarantee does not apply, and Wise publishes how it safeguards customer funds on its help pages. If you apply for a Dutch mortgage or business loan, ask the lender which accounts it needs.
Revolut Business
Revolut has launched a Dutch branch and says that customers resident in the Netherlands will now have their accounts migrated to this branch and receive a Dutch IBAN (Revolut Help, checked 29 September 2026). Check Revolut’s own pages for the current business plans, prices and the documents it asks for.
N26 Business
N26 says accounts opened in the Netherlands get a German IBAN. Check N26’s own pages for current business plans, prices and conditions.
Side-by-Side Comparison
| Account | Monthly fee | Dutch (NL) IBAN | Source |
|---|---|---|---|
| ING Zakelijk | Check ing.nl | Yes | ING |
| ABN AMRO Zakelijk | €9.90 (Slim) to €22.25 (Grenzeloos) | Yes | abnamro.nl, 8 Oct 2026 |
| Rabobank Zakelijk | From €0.00 (ZZP Rekening) or €9.95 (Zakelijke Rekening) | Yes | rabobank.nl, 8 Oct 2026 |
| bunq Business | €0 (Free Business) to €23.99 | Yes | bunq.com, 8 Oct 2026 |
| Wise Business | EUR 60 one-off set-up fee, then per transaction | No (non-Dutch euro IBAN) | wise.com/nl, 8 Oct 2026 |
| Revolut Business | Check Revolut | Yes, after migration to the Dutch branch | Revolut Help |
| N26 Business | Check N26 | No (German IBAN) | N26 |
Combinations Worth Considering
International clients
Wise Business plus a Dutch business account. Use Wise for receiving and sending money in other currencies. Use a Dutch account such as bunq for Dutch clients who prefer an NL IBAN and for local payments like your accountant or software subscriptions.
Mostly Dutch clients
A Dutch business account on its own. If most of your work is paid in euros by Dutch clients, a Dutch account (bunq, ABN AMRO or Rabobank) gives you an NL IBAN and covers your needs. Compare the prices above.
Just getting started
Start with the free options. bunq Free Business is free for sole proprietors, and the Rabo ZZP Rekening starts at €0.00 per month. Wise Business has a one-off set-up fee of EUR 60. You can add a second account later.
Open a Wise Business account →
The KvK Requirement: What You Need
Every business bank on this list asks for your KvK registration. For an eenmanszaak, KvK says the bank usually asks for (KvK, checked 6 October 2026):
- a valid ID document (make a secure copy and never hand over your ID carelessly; KvK refers to the Rijksoverheid page on secure copies)
- your KvK number
- if you will use the account for foreign transactions, an overview of the countries you do business with
The exact documents differ per bank, so check the bank’s page before you apply. You can download your KvK extract at kvk.nl.
Accounting and Bookkeeping Integrations
In the Netherlands, ZZP freelancers file BTW (VAT) returns and an annual income tax return. A bank connection to your bookkeeping software can match payments to invoices and save manual work. Check which software your bank supports. bunq lists more than 50 integrations; for the other banks check their own pages.
Software often used in the Netherlands includes Moneybird, Exact Online, QuickBooks and Twinfield. Our guide to the best finance apps for expats in the Netherlands covers bookkeeping tools in more depth.
BTW (VAT) Considerations for ZZP Freelancers
Entrepreneurs in the Netherlands usually charge BTW to their customers. The small business scheme (KOR) lets you skip charging BTW if your annual turnover in the Netherlands is not more than €20,000 (Belastingdienst); once you go over, you must withdraw from the scheme straight away. You receive your BTW number usually within two weeks after you register with KvK.
A business account makes BTW administration easier, because business income and expenses are in one place. Many freelancers also set aside the BTW they collect in a separate account or pot so it is available when the return is due; bunq lets you open several accounts, each with its own IBAN.
Common Mistakes Expat Freelancers Make with Business Banking
Using a personal account for business transactions. Bank terms usually do not allow it (KvK), and it makes bookkeeping harder.
Waiting too long. Open the business account around the time you register at KvK, so payments from the start go to the right account.
Choosing only on monthly fee. Compare the monthly price with the cost per transaction at your volume, and with the features you need.
Not checking IBAN details. Ask which IBAN country you get. N26 says accounts opened in the Netherlands get a German IBAN, and Revolut says customers resident in the Netherlands will now have their accounts migrated to this branch and receive a Dutch IBAN (Revolut Help, checked 29 September 2026). A Dutch client may not refuse a euro IBAN from another EU/EEA country (De Nederlandsche Bank).
Ignoring the accounting integration. Make sure your bank connects to your bookkeeping setup before committing.
To estimate net income as a freelancer, see the salary comparison tool, and the bank account chooser can help you pick a personal account to pair with your business account.
Opening a Business Account Step by Step
Step 1: Register at the KvK. If you have not already, register your eenmanszaak at kvk.nl. The registration fee is €85.15 (KvK).
Step 2: Download your KvK extract. After registration, log in to kvk.nl and download your KvK extract.
Step 3: Gather your documents. Valid ID document, your KvK number and, for foreign transactions, an overview of the countries you do business with. Check your bank’s list.
Step 4: Choose your bank and apply. For bunq or Wise, go to their websites and complete the online application. ABN AMRO and Rabobank also let you apply online.
Step 5: Complete identity verification. Follow the bank’s steps; keep your documents to hand.
Step 6: Set up accounting integration. Connect your account to your bookkeeping software once it is open.
Step 7: Tell your clients. Send existing clients your new business IBAN for future invoices.
Final Thoughts
Whichever bank you choose, open the business account before your first invoice goes out, so client payments go to the right account from the start. Compare current prices on the banks’ own pages, since business rates change; ABN AMRO, for example, has announced changes for 1 January 2027.
Open a Wise Business account →
Frequently Asked Questions
Do I legally need a separate business bank account as a ZZP freelancer in the Netherlands?
No. KvK says a business bank account is not mandatory for a sole proprietorship (eenmanszaak), but a bank's terms usually say you may not use a personal account for business. Payment services such as Mollie, PayPal, Stripe and Klarna, and sales channels such as Amazon and Bol, ask for a business account (KvK, checked 6 October 2026).
Can I open a Dutch business bank account as a non-EU expat?
It depends on the bank. KvK says banks usually ask for an ID document, your KvK number and information about your business, and that the requirements differ per bank. bunq requires you to live in a country it supports. Check each bank's own conditions before you apply.
What documents do I need to open a ZZP business bank account in the Netherlands?
For an eenmanszaak, KvK says the bank usually asks for a valid ID document, your KvK number and, if you will use the account for foreign transactions, an overview of the countries you do business with (KvK, checked 6 October 2026). The exact documents differ per bank.
Do Dutch business banks offer English-language support?
It differs per bank, so check before you apply. bunq says it offers support in your language around the clock (bunq.com, checked 8 October 2026), and Wise publishes its website in English. For ING, ABN AMRO and Rabobank, check whether the support channel you need is available in English.
Which business bank account is best for receiving payments in multiple currencies?
Two options publish multi-currency features. Wise Business offers account details in 22 currencies, with a one-off set-up fee of EUR 60 (wise.com/nl, checked 8 October 2026). bunq says you can hold and exchange 20 currencies (bunq.com/nl, checked 8 October 2026). Compare the fees for your own currencies.
Can I use Wise Business as my only business account for ZZP purposes in the Netherlands?
You can, but check what you need. Wise Business EUR account details use a non-Dutch euro IBAN, not an NL IBAN, and Wise is a payment institution rather than a bank. Dutch clients may not refuse a euro IBAN from another EU/EEA country (SEPA Regulation, De Nederlandsche Bank). If you want an NL IBAN or a Dutch bank for local payments, add a Dutch business account.