The best business bank accounts for internationals in the Netherlands

Looking for a Dutch business bank account? As a freelancer, I found it difficult to find something affordable with all the features we need — so I set out on a hunt!

In this article, I’ve found the best banks that cater to freelancers and established businesses, are accessible to English speakers, and have high-tech invoicing and accounting features.

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Finom: Best business bank account for freelancers

While Finom’s speedy registration and lack of BSN requirements are already powerful pros, features such as its built-in invoicing tools make it an excellent choice for freelancers and SMEs.

Even better? With up to 3% cashback, seamless international payments to over 150 countries, and a free — yes, FREE — account, Finom will help you save money, too!

Sign up with Finom

bunq: Best for feature-rich banking

Dutch neobank bunq offers a handy AutoVAT system, seamless tap to pay capability for iPhone and Android, and a wide range of invoicing and bookkeeping integrations.

You’ll need to upgrade to a paid plan to get most of these features, but they’re well worth it.

Sign up with bunq

Revolut: Best for international business banking

Combining the ability to “spend like a local” in 150 currencies and hold cash in up to 25 currencies, Revolut is a great choice for those with foreign clients.

Plus, Revolut’s powerful spend management tools help manage budgets and track company expenses — an asset for budding freelancers and established businesses alike.

Sign up with Revolut

N26: Best free business bank account

With comprehensive monthly breakdowns of all payments made, 0.1% cashback on all purchases, and deposit protection of up to €100,000, N26 is a great choice for a free and reliable business bank account.

Whilst there’s no physical card available with N26’s free plan, handy software helps wrangle your invoices and tax returns for you.

Sign up with N26

Rabobank: Most affordable Dutch business bank account

In addition to its comprehensive free plan for ZZP’ers, Rabobank offers a traditional banking experience with excellent customer service.

Though not all information is available in English, its 24/7 customer support and physical branches are excellent at simplifying the banking process for business owners.

Sign up with Rabobank

4 reasons to set up a business bank account in the Netherlands

With countless options to choose from, it’s high time we delved into why it’s a good idea to set up a Dutch business bank account. 👇

1. Conducting transactions in the Eurozone is easier than ever

Thanks to the Netherlands being in the SEPA zone (the European Union’s Single Euro Payments Area), making electronic payments to other EU countries and select non-EU countries is as cheap and speedy as making domestic transfers, provided you have a European IBAN.

READ MORE | Money transfers in the Netherlands: the easy (and cheap!) guide

Getting a Dutch bank account, therefore, is essential. If you’re planning on conducting any form of business in the EU, you’ll save precious time and money on cross-border cash transfers.

2. Invoicing is seamless and organised

Business bank accounts nowadays often come with a variety of built-in invoicing features and options to integrate accounting software like Xero or QuickBooks.

As a result, you’re spared the hassle of wrangling unpaid bills yourself.

3. You can keep your home and work life separate

With a clear division between your personal bank account and that of your company’s, you needn’t scratch your head and wonder if that €50 was a tax-deductible business expense or last week’s grocery bill.

4. There’s clearer insight into your business finances

When your business transactions are free of personal expenses, you have a far better picture of how well your income stacks up against the costs you’ve incurred over a financial period.

Even better? Most business bank accounts come with expenditure-tracking software, which will give you an in-depth look at how well your company is performing financially.

What documents do I need to open a Dutch business bank account?

In general, you will need a KVK number and valid proof of identity in order to open a business bank account in the Netherlands.

READ MORE | Becoming a freelancer in the Netherlands: The 2024 ZZPer guide

However, many banks may also ask for a few additional details, such as your business address, the legal structure of your company, and what operations it will undertake.

As a result, it’s always a good idea to have documents outlining these at the ready.

Whether you’re a budding freelancer or the proud owner of an established company, there are many reasons to consider opening a business bank account for your Dutch company.

Have you opened a business bank account in the Netherlands? Tell us all about your experience in the comments below!

Business bank accounts in the Netherlands: Frequently asked questions

With a lot of info to sift through, it’s only natural that you’d have some questions. Let’s run through some of them! 👇