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What should you look for in a business bank account?

You choose a business bank account on the fixed monthly price, the cost per transaction and the integration with your accounting. Also check which bank your money is actually held at.

  1. Monthly price and transaction costs

    Some accounts have a low monthly price but charge per payment or cash withdrawal, others include everything. Which is cheaper depends on how many payments you make.

    Ask the vendor

    What does the account cost per month, and what do I pay per payment, cash withdrawal and extra card?

    Sort by lowest price12 of 12 tools have a public price

  2. Free account

    For a small sole proprietorship with few payments, a free account may be enough. Check which services you then pay for separately.

    Ask the vendor

    What is not included in the free account, and when will I have to start paying?

    Show tools with a free plan4 of 12 tools meet this

  3. Deposit guarantee

    According to DNB, a business account is also covered by the deposit guarantee, up to €100,000 per bank. For a sole proprietorship your business and private accounts at the same bank count together; a bv (private limited company) has its own limit.

    Ask the vendor

    Under which banking licence and which deposit guarantee scheme does my money with you fall?

    We do not have a filter for this yet. Ask the vendor.

  4. Integration with your accounting

    With a bank feed, your transactions arrive in your accounting package automatically. Without one, you upload statements every month.

    Ask the vendor

    Which accounting packages have a direct bank feed?

    Sort by most integrations9 of 12 tools list integrations

  5. Payment requests with iDEAL

    With a payment request or payment link you get paid faster, especially by private customers who want to pay with iDEAL.

    Ask the vendor

    Can I send payment requests with iDEAL, and what does that cost per payment?

    Show tools with iDEAL7 of 12 tools meet thisMore about iDEAL and Wero

  6. Support when something goes wrong

    If your card is blocked or there is a strange debit, you want to talk to someone quickly, in your own language.

    Ask the vendor

    Can I call you in Dutch, also outside office hours, if my account or card is blocked?

    Show tools with support in Dutch7 of 12 tools meet this

  7. A provider based in the Netherlands

    Not every online provider is based in the Netherlands. If you want an account with a company established here, you can see that in the Netherlands check.

    Ask the vendor

    In which country is your company based, and will I get a Dutch IBAN?

    Show tools with a Dutch company7 of 12 tools meet this

Frequently asked questions about choosing business bank accounts

What should you look for in a business bank account?

Look mainly at monthly price and transaction costs, free account, deposit guarantee, integration with your accounting, payment requests with iDEAL, support when something goes wrong and a provider based in the Netherlands. For each point we explain why it matters and which question to ask the vendor.

Which questions should you ask a vendor of business bank accounts?

What does the account cost per month, and what do I pay per payment, cash withdrawal and extra card? What is not included in the free account, and when will I have to start paying? Under which banking licence and which deposit guarantee scheme does my money with you fall? Which accounting packages have a direct bank feed?

Is a business account covered by the deposit guarantee?

Yes, according to DNB up to €100,000 per bank. For a sole proprietorship your business and private balances at the same bank count together. A bv, vof, cv or maatschap has its own limit of €100,000 per bank.

How many business bank accounts in the guide can you use or try for free?

Of the 12 business bank accounts in our guide, 4 have a free plan and 1 can be tried for free, according to the vendor's site.

Sources

  1. DNB: Does the deposit guarantee also apply to my business? (in Dutch)
  2. Betaalvereniging Nederland: iDEAL and Wero (in Dutch)

Texts and sources checked on . The counts follow from the facts in the guide. Rules can change; the source prevails. This is an explanation, not legal or tax advice.

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