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Best free business bank accounts

4 business bank accounts with a plan that stays free. For each tool you see what is included and when you have to start paying.

We sometimes earn from a click. That does not change the order. How we make money

  1. 1

    bunq Business

    Business bank account · for freelancers and SMEs

    • Highest Netherlands check

    Business account in an app with up to 25 IBANs, payment requests, bunq.me payment links and Tap to Pay.

    • Dutch support
    • Dutch interface
    • iDEAL
    • +1 more
    From€0 /monthAlso a free plan30-day free trial
    Visit bunq Business

    On the bunq Business website

    Free and paid: bunq Free Business: no monthly fee, sole proprietorships only. Up to 3 accounts, accounts in 20 currencies, a digital card for Apple Pay and Google Pay and Tap to Pay; no physical card. Core costs €7.99, Pro €13.99 and Elite €23.99 per month; you can try these for 30 days free. iDEAL and Bancontact receipts cost €0.27 for business. Local IBANs in NL, DE, FR and BE, among others.

  2. 2

    Qonto

    Business bank account · for freelancers and SMEs

    Online business account with Dutch IBAN, invoicing, payment links and receipt management, for zzp and SMEs.

    • iDEAL
    • Moneybird
    • e-Boekhouden
    From€0 /month excl. VATAlso a free plan
    Visit Qonto

    On the Qonto website

    Free and paid: Starter: business account with Dutch IBAN (NL), 5 transfers per month, 1 virtual card and invoicing; no physical card. Extra transfer €0.20. Basic costs €7 per month billed annually (€84 per year), with 30 transfers and a physical card; accounting integrations and access for your accountant from Smart (€15). Paid plans can be tested free for 1 month. iDEAL via payment link €0.32 per transaction. Prices excl. VAT.

  3. 3

    Finom

    Business bank account · for freelancers and SMEs

    Online business account with Dutch IBAN, invoicing with payment link and cards, for freelancers (zzp) and SMEs.

    • Made in NL
    From€0 /monthAlso a free plan
    Visit Finom

    On the Finom website

    Free and paid: Solo: business account with Dutch IBAN (NL), 1 user, 1 virtual VISA card, free outgoing SEPA transfers up to €2,500 per month and 0.3% above that, live chat with a reply within 1 working day. No free physical card and no cashback. Surcharge of €1 per iDEAL | Wero payment. Paid plans Basic and Smart are cheaper billed annually (-20%).

  1. 4

    N26 Business

    Business bank account · for freelancers

    Free business account in an app for freelancers (zzp) who work under their own name, from the German N26 Bank.

      From€0 /monthAlso a free plan
      Visit N26 Business

      On the N26 Business website

      Free and paid: Business Standard is free. Business Smart costs €4.90 per month, Business Go €9.90 and Business Metal €16.90. The pricing page does not say whether the amounts exclude VAT.

    Free here means: with no end date. A free trial of 14 or 30 days does not count. The order follows our overall score; what a tool pays does not count towards it.

    Questions about free software

    Which business bank accounts are free?

    bunq Business, Qonto, Finom and N26 Business have a free plan with no end date. With all other business bank accounts in our guide you pay, sometimes after a free trial.

    Which free business bank accounts is the best?

    bunq Business comes top in our overall score. In the Netherlands check it scores 5 of 5 points. Do check what the free plan includes: you often miss features you need later.