Managing your finances as an international in the Netherlands can be difficult, but it becomes a whole other level of complexity if you’re also a zzp’er (freelancer).
Yep, if you’re self-employed, you’ll be all too familiar with the headache of sending invoices, tracking expenses and managing payments.
Enter Qonto, a modern, all-in-one financial platform that brings your business accounts, payments, invoicing and bookkeeping into one place.
Smart tools for a smart freelancer
Qonto isn’t just another fancy business account; it’s a financial platform that helps zzp’ers manage their business’s finances seamlessly and efficiently.
With its smart, freelancer-friendly features, Qonto makes bookkeeping, invoicing, and expense tracking effortless, meaning you can dedicate your time to working, not boring paperwork. 💪
Qonto’s platform offers features like automated expense categorisation, real-time transaction notifications, and easy-to-use invoicing tools, letting you save time and reduce hassle.
On top of all this, your Qonto account doesn’t just come with a Dutch IBAN and your very own pinpas (payment card), but also with 5 days/week customer service and easy international transfers.
Depending on your subscription plan, you can also unlock additional features such as automated VAT calculations and multi-account access — but more on that later.
Your business at your fingertips
Want full control over your business finances at all times? Geen probleem! Whether you’re working hard from your desk or on the go, Qonto’s desktop and mobile apps allow you to always have your business at your fingertips.
With its sleek and intuitive interface, the Qonto app is easy to use and one you’ll love using. But of course, there are also heaps of handy tools in the app.
For example, while the dashboard gives you real-time insights into your cash flow, your mobile notifications keep you updated on all incoming and outgoing transactions.
Need to upload receipts on the go? Just snap a quick picture with your phone or tablet, and Qonto will automatically attach it to the relevant transaction, making expense tracking as easy as appeltaart. ⚡️
A business account that suits your budget
Each freelancer has different needs and a different budget, and Qonto knows that.
That’s why they offer three business account options starting at just €5 per month, with no hidden fees:
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Basic: for essential invoicing tools and easy everyday financial management (€5/month for a yearly subscription)
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Smart: for advanced tools, performance dashboards and integrated invoicing and bookkeeping (€15/month for a yearly subscription)
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Premium: for priority support, extra sub-accounts and dedicated IBANs (€25/month for a yearly subscription)
While you have the choice to upgrade your subscription as you like, it’s good to know that even the lowest account comes with great core banking and invoice management features:
| Core account features | Core invoice management features |
| One account | Client invoice creation |
| A Mastercard card | Supplier invoice centralisation and payment |
| 30 transfers or direct debits per month | External account syncing |
| Access to financing offers | 50+ integrations with accounting and financial tools |
Not sure what subscription is best for you? To find the plan that suits you best, check out their ‘Find your subscription’ page.
Best of all, you can open your account 100% online in just a few minutes. As long as you’ve got a valid ID, your KvK (Chamber of Commerce) registration, and in some cases your VAT number, you’ll have access within 24 hours — no awkward in-person appointments required.
Smart, secure, sustainable
When you deposit your hard-earned money into a business account, you want to be sure of one main thing: that it’s safe.
Well, rest assured: As a licensed payment institution, your money is protected by a deposit guarantee of up to €100,000.
Even better, freelancers can also get help with whatever they need, whenever they need it. Qonto offers 24/7 customer support — always with a real person — available in Dutch, English, French, German, Italian, Portuguese and Spanish.
Thinking bigger than freelancing? Qonto can also help you set up a BV (private limited company) entirely online, with your company incorporated and account ready to go in as little as five business days, and all the paperwork available in English.
Plus, you’ll be happy to hear that Qonto is dedicated to making a positive impact on both the environment and society. This means Qonto is not just smart and safe, but also holds itself accountable by promoting climate education and fostering an inclusive workplace. 🌱
Last but certainly not least, with thousands of positive reviews from satisfied customers, Qonto has built a reputation as a trusted financial partner for self-employed professionals across eight European countries.
So, whether you’re a one-person eenmanszaak (sole proprietorship) or running a VOF (general partnership) with a colleague, Qonto’s built to handle your setup, no matter how your business is structured.
Curious to learn more about Qonto and what it has to offer? Take a product tour to learn all about how the platform works. Once you’re convinced, you can open your account here. 😉
Would you try Qonto as a freelancer in the Netherlands? Share your thoughts in the comments below.