Why You Need a Separate Business Account
The Belastingdienst strongly advises separating business and personal finances. A separate business account makes your bookkeeping cleaner and your tax return easier.
Compare the Top Options
bunq Business
from €11.99/month
Most Popular
Most popular among expats. 100% online, English app, opens in 5 minutes.
Knab Business
from €7.50/month
Great for ZZP
Great for ZZP. Includes bookkeeping tools and BTW reminders.
Revolut Business
Free plan available
International
Free plan available. Multi-currency, ideal for international clients. IBAN starts with LT.
ABN AMRO Zakelijk
from €15.90/month
Traditional Dutch bank. Widely trusted, physical branches.
ING Zakelijk
from €13.95/month
Large Dutch bank with good ZZP support.
How to Open a Business Account
- 1Have your KVK number ready (you need to be registered first)
- 2Prepare your passport and proof of Dutch address
- 3For online banks (Bunq, Revolut): download the app, follow the steps — ready in minutes
- 4For traditional banks: make an appointment at a branch
Expat Tip
Bunq and Revolut Business are most expat-friendly — fully in English, no Dutch required. Most expat ZZP'ers choose Bunq.
Quick Comparison
| Bank | English | Online | /month |
|---|---|---|---|
| Bunq | ✓ | ✓ | €11.99 |
| Knab | ~ | ✓ | €7.50 |
| Revolut | ✓ | ✓ | Free+ |
| ABN | ~ | ✓ | €15.90 |
| ING | ~ | ✓ | €13.95 |
Ready to Register?
Once you have your KVK number and bank account, you're ready to start invoicing
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