# Best Business Bank Accounts in the Netherlands for Freelancers and SMEs URL: https://essentiallyamsterdam.com/best-business-bank-accounts-netherlands/ Updated: 2026-08-06 By: Essentially Amsterdam Staff Publisher: Essentially Amsterdam (https://essentiallyamsterdam.com/) > A freelancer's guide to the neobanks and traditional options for a Dutch business account, plus the software to run the books. Opening a Dutch business bank account is one of the first practical steps after registering with the Kamer van Koophandel (KVK). Most providers will ask for that KVK number before they let a freelancer or small business open an account, so it helps to have registration sorted first - see the [Amsterdam ZZP Setup Guide For Freelancers](https://essentiallyamsterdam.com/amsterdam-zzp-setup-guide/) for that process. Once the business is registered, the choice is mostly between app-based neobanks built for speed and one of the traditional Dutch banks built for in-person service. The right one depends on how much a business trades internationally, whether it has staff, and whether English-language support matters. ## Finom: fast setup, no BSN needed Finom stands out for freelancers because it does not require a Dutch BSN to register, and the account itself is free. It bundles in invoicing tools, cashback of up to 3%, and international payments to more than 150 countries. ## bunq: the feature-heavy option bunq’s AutoVAT tool sets aside VAT automatically as payments come in, and the app supports tap-to-pay on both iPhone and Android. Most of its invoicing and bookkeeping integrations sit behind a paid plan rather than the free tier. ## Revolut: built for foreign clients Revolut lets a business hold cash in more than 25 currencies and spend in around 150, which suits freelancers billing clients outside the Netherlands. It also includes budget and expense-tracking tools aimed at small teams watching costs. ## Qonto: for businesses with a team Qonto is built around managing several people’s spending at once, with sub-accounts and custom permissions per team member. It also lets a business upload its full product or service catalogue so invoices can be generated in a few clicks rather than built from scratch each time. ## N26: a free account with deposit protection N26’s free plan gives monthly breakdowns of all payments and 0.1% cashback on purchases, backed by the EU-wide deposit guarantee of up to €100,000. The trade-off is that the free tier does not come with a physical card, though its software still helps prepare invoices and tax returns. ## ABN Amro: the traditional route For freelancers who want a physical branch and a human on the phone, [ABN Amro](https://www.abnamro.nl/en/index.html) offers six months free for ZZP’ers before its standard fees apply. Customer support runs 24/7, though not all of its materials are available in English, which is worth checking before committing if English-language service matters. Anyone weighing a neobank against a traditional bank for everyday transfers, not just business banking, can compare the options in the [Amsterdam Banking Guide for Expats](https://essentiallyamsterdam.com/amsterdam-banking-guide/). ## What accounting software needs to connect A business bank account is only half the administration. To get accounting software running, a freelancer generally needs the KVK number, a [BTW (VAT) number](https://www.belastingdienst.nl/) - which is normally issued automatically once KVK registration goes through - and a Dutch address, which can be a home address. With those in place, the software can connect to the bank account and start pulling in live transactions. ## What the software actually costs Prices vary widely by how much bookkeeping the software is expected to do beyond basic invoicing. - UurKlus - from €5/month, English and Dutch, built around time tracking and invoicing with voice-message logging - Moneybird - from €15/month, available in English and Dutch - SnelStart - from €15/month, Dutch-language only, scales from basic invoicing and VAT filing up to fuller bookkeeping - Exact Online - from €39/month, English and Dutch, combines bookkeeping, invoicing, bank feeds and reporting with optional payroll and HR modules - AFAS SB - from €59/month, Dutch-language only All of these are cloud-based, so the books stay accessible from anywhere and VAT returns can be prepared straight from the same data before filing with the Belastingdienst. For a closer look at which of these tools freelancers in Amsterdam actually stick with day to day, see [Accounting Software Dutch Freelancers Actually Use](https://essentiallyamsterdam.com/accounting-software-dutch-freelancers/). ## Getting help with the bookkeeping itself Software handles the mechanics, but VAT rules and annual tax filings still trip up a lot of freelancers in their first year. The [Amsterdam ZZP Accountants Guide For Freelancers](https://essentiallyamsterdam.com/amsterdam-zzp-accountants-guide/) covers when it’s worth paying an accountant instead of filing solo. The daily newsletter Every weekday morning we send one email with what is actually happening in Amsterdam - news, events, openings and where to eat. In our latest edition: Midterm Madness Friday, HEMA turns 100, metro tests new network [Read the latest edition (November 5, 2026)](https://essentiallyamsterdam.com/newsletter-2026-11-05/) · [Browse every edition](https://essentiallyamsterdam.com/editions/)