Netherlands

Top 5 Bank Accounts for Startups & Freelancers – Netherlands

Top 5 Bank Accounts for Startups & Freelancers

Netherlands
Netherlands – December 2023
  • Benefit from no paperwork, fast approval and automated banking & accounting workflows
  • Save money with low or no fees on transactions, transfers & payments
  • Perfect for small businesses & freelancers
  • No paperwork, fast approval
  • Save time & money
  • Accounting integrations
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Business Banks Pricing Card Regulation Main Advantages Score Open an Account
Free plan More Info Soldo Corporate Mastercard
FCA
  • Choose a virtual or plastic Mastercard® debit
  • Capture receipts on-the-spot via mobile app
  • Export data to any accounting system
  • Track your spending in real time
 9.8
Visit Site
Soldo Review

Payments

Card type
  • Mastercard® debit
Withdrawals
  • Free from your domestic account
Money transfers
  • Free to other Soldo users

Accounting Tools

  • green-check-mark Expense Management
  • green-check-mark Accounting integration
  • green-check-mark Bookkeeping
  • green-check-mark Invoicing

Security Features

  • Fully regulated by the FCA
  • Authorised by the Central Bank of Ireland

Account Access

Based on 1,081 reviews
soldo.com
Plans 4.99+€/mo More Info bunq Corporate Mastercard
Bunq Business Card
DNB
  • 24/7 online support via app and email
  • 0.27% interest rate on savings
  • Invoice & receipt scanning directly from the app
 9.5
Visit Site
Bunq site
Bunq Review

Payments

Account type
  • Dutch IBAN, EUR
Free ATM withdrawals
  • 4 per month
in Easy money and Easy green accounts only
International transfers
  • Via Wise (transferwise)

Accounting Tools

  • green-check-mark Bookkeeping integration
  • green-check-mark Multiple tradenames
  • green-check-mark Automatic VAT
  • green-check-mark Invoicing

Security Features

  • Deposit Protection up to €100,000 by DNB
  • Purchase protection & extended warranty

Account Access

Based on 1 reviews
bunq.com
Free plan More Info Neat Corporate Mastercard
Neat Card
FCA
  • Best for international freelancers & businesses
  • Collect payments in multiple currencies
 9.1
Visit Site
Neat Review

Payments

Account Types
  • GBP, HKD
Currency wallets
  • Direct Debits
Domestic Transfers
  • Free SEPA payments

Accounting Tools

  • green-check-mark Accounting integration
  • green-check-mark Expense Management
  • green-check-mark Bookkeeping

Security Features

  • Authrised by the FCA in the UK

Account Access

Based on 381 reviews
neatcommerce.com
€10+/month More Info genome Visa business debit
Bank of LT
  • Open Multiple IBAN accounts (EUR | USD | GBP)
  • Instant money exchange in favorable rates
8.8
Visit Site
genome Review

Payments

Account type
  • IBAN (EUR, USD, GBP)
Currency exchange
  • 1% flat fee
Money transfers
  • SEPA, SWIFT

Accounting Tools

  • close-mark-black Bookeeping integration
  • close-mark-black Invoicing

Security Features

  • Supervised by the Bank of Lithuania

Account Access

Based on 32 reviews
genome.eu
€9.90 per month More Info ING maestro card
ECB
  • Easy integration with accounting
  • Business account, card, online banking & app
 8.5
Visit Site
ING Review

Payments

Card type
  • Maestro card
SEPA transfer
  • €0.12
Debt collection
  • €0.125

Accounting Tools

  • green-check-mark Accounting integration
  • close-mark-black Invoicing
  • close-mark-black Automatic VAT

Security Features

  • Supervised by the European Central Bank (ECB)

Account Access

Based on 809 reviews
ing.com
Score 9.8
Soldo Review
Regulation FCA
Pricing Free plan
Accounts
  • EUR, GBP, USD
Based on 1,081 reviews
Main Advantages
  • Export data to any accounting system
  • Track your spending in real time
Visit Site
1
9.8
Visit Site
  • Choose a virtual or plastic Mastercard® debit
  • Capture receipts on-the-spot via mobile app
More Info +
Score 9.5
Bunq Review
Regulation DNB
Pricing Plans 4.99+€/mo
Accounts
  • IBAN
  • EUR
Bunq Business Card
Based on 11,700 reviews
Based on 1 reviews
Main Advantages
  • Invoice & receipt scanning from the app
  • Bookkeeping Software integration + finances automation
  • Deposit protection up to €100,000
Visit Site
2
9.5
Visit Site
  • 24/7 online support via app and email
  • Withdraw & deposit at +10K stores across Europe
More Info +
Score 9.1
Neat Review
Regulation FCA
Pricing Free plan
Accounts
  • GBP, HKD
Neat Card
Based on 381 reviews
Main Advantages
  • Make payments to 35+ countries at competitive rates
Visit Site
3
9.1
Visit Site
  • Best for international freelancers & businesses
  • Collect payments in multiple currencies
More Info +
Score 8.8
genome Review
Regulation Bank of LT
Pricing €10+/month
Accounts
  • IBAN (EUR, USD, GBP)
Based on 32 reviews
Main Advantages
  • SEPA, SWIFT & international transfers
Visit Site
4
8.8
Visit Site
  • Multiple IBANs (EUR | USD | GBP)
  • Instant money exchange in favorable rates
More Info +
Score 8.5
ING Review
Regulation ECB
Pricing €9.90 per month
Accounts
  • IBAN, EUR
Based on 809 reviews
Main Advantages
  • Easy access for your accountant
Visit Site
5
8.5
Visit Site
  • Easy integration with accounting
  • Business account, card, online banking & app
More Info +

Why Should I Open a Business Bank Account?

The increased flexibility offered by digital banks such as Holvi and N26 makes them the perfect solution for freelancers, sole traders, online/local sellers and SMBs- by simplifying financial management processes and freeing up time to focus on growing your business.

Why Should I Open a Business Bank Account?

The increased flexibility offered by digital banks such as Holvi and N26 makes them the perfect solution for freelancers, sole traders, online/local sellers and SMBs- by simplifying financial management processes and freeing up time to focus on growing your business.

How Do I Compare & Choose the Best Bank account for My Business?

Features Icon
Banking Features
At the core, check for payment options, local and international money transfer services, corporate cards, account types and currencies available as well as invoicing and bookkeeping tools.
Fees Icon
Fees
Look for accounts offering simple & clear-cut plans, minimal or no fees on transfers & payments and free withdrawal options. Note that fees may vary depending on the plan you choose (free plans will often incur higher fees than premium plans).
Corporate card
All business accounts include corporate cards for you & your employees – either through MasterCard or Visa. Check how many cards are included for free in your chosen plan & how much each additional card will cost if required.
Security Icon
Security
The banks we compare & review on Top10BusinessBanks.com are regulated by local authorities. Check for regulations such as FCA (Financial Conduct Authority) or the FCS (Financial Compensation Scheme) in the UK & FIN-FSA, BaFin, DNB, ECB & ACPR in Europe.
Accounting Icon
Accounting tools
Look for built in expense reporting, scheduled/recurring payments & direct debits. Most banks also offer seamless integration with bookkeeping & accounting tools. For example, Qonto integrates with Sage and QuickBooks.
Access Icon
Account Access
Today, some banks offer account access 24 hours a day, 7 days a week. While the majority of providers offer access via both mobile and desktop/web apps, some business banks only offer one or the other so check you have the access you need when selecting your preferred bank.

How Do I Compare & Choose the Best Bank account for My Business?

Features Icon
Banking Features
Accordeon button
At the core, check for payment options, local and international money transfer services, corporate cards, account types and currencies available as well as invoicing and bookkeeping tools.
Fees Icon
Fees
Accordeon button
Look for accounts offering simple & clear-cut plans, minimal or no fees on transfers & payments and free withdrawal options. Note that fees may vary depending on the plan you choose (free plans will often incur higher fees than premium plans).
Corporate card
Accordeon button
All business accounts include corporate cards for you & your employees – either through MasterCard or Visa. Check how many cards are included for free in your chosen plan & how much each additional card will cost if required.
Security Icon
Security
Accordeon button
The banks we compare & review on Top10BusinessBanks.com are regulated by local authorities. Check for regulations such as FCA (Financial Conduct Authority) or the FCS (Financial Compensation Scheme) in the UK & FIN-FSA, BaFin, DNB, ECB & ACPR in Europe.
Accounting Icon
Accounting tools
Accordeon button
Look for built in expense reporting, scheduled/recurring payments & direct debits. Most banks also offer seamless integration with bookkeeping & accounting tools. For example, Qonto integrates with Sage and QuickBooks.
Access Icon
Account Access
Accordeon button
Today, some banks offer account access 24 hours a day, 7 days a week. While the majority of providers offer access via both mobile and desktop/web apps, some business banks only offer one or the other so check you have the access you need when selecting your preferred bank.