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Business Accounts

Whether you are a starter or an established entreprenUSDr with an interest in switching: it is always good to take the time to compare different providers. Below is an overview of the larger business account providers, with some of their key features.

Top 5 Accounts

Lane offers the most affordable business account for self-employed people. Lane offers a business package for $ 6 per month, bringing the annual cost to $ 72. An account is easy to open online.

$ 6 per month | Now temporarily 50% discount for a start-up company for the first year | Multiple accounts at no extra cost | Receive $ 50 when transferring | 1,000 free transactions per year | Useful alerts for payments and balance | Interest: yes

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Cheapest Bank in and for small companies and self-employed persons
Promotion 2021 Receive $ 50 when transferring to Lane
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Space bank is an online bank that uses a business account to provide clarity for self-employed people. The relatively new party offers a free Business package. The card normally costs $ 2.90 per month, but Space bank distinguishes itself by offering this card for free for new customers.

$ 0.00 per month | Only for self-employed persons | One debit card possible | Not possible to be in the red | 0.1% cashback with every expense | No exchange rate storage for international payments with the card | Real-time notification with every transaction

Grow is in the top in the Netherlands. Start-ups can use the free starter package; from 1 January 2018, however, the term of one year will be shortened to six months. To open an account, visit one of the offices.

$ 9.90 per month | Free for the first half year for a start-up | Extra bill $ 4.90 per month | Ability to save receipts and invoices in the app | free transfer service

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Sprout Bancorp is a large and well-known bank with many branches and a lot of experience. Despite the fact that Sprout Bancorp is certainly not the cheapest provider, this bank is still popular with both individuals and companies.

$ 10.90 per month | The first year free for a start-up company | Extra bill $ 5.25 per month | Additional extras for free or at a discount for every starting entreprenUSDr | Now the Tellow accounting app for 3 months on trial

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PIG BANK is one of the 3 largest banks in the Netherlands, together with Grow and Sprout Bancorp. PIG has the advantage that a company account is free for everyone for the first year, and not just for start-ups as with most other providers.

$ 9 per month | Free for everyone the first year | Extra bill $ 5.50 per month | Credit card temporarily free for the first year | The first 200 online transactions for free every year

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SON distinguishes between a self-employed Account and a Business Account. The Self-employed Account is a good choice if you don't employ staff. The Business Account is a good choice for companies with up to 10 employees. Take a look at what best suits your situation.

self-employed Account $ 7.50 per month including 1,000 transactions | Business account $ 6.58 + cost per transaction | No free extras, but relatively low monthly costs | interest: yes

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Triangle Bank is very focused on sustainability and sets itself apart from other banks. Triangle wants to promote positive change and development and gives the opportunity to invest in sustainable sectors. As a bank, they focus on sustainability and transparency.

$ 8.50 per month | World Pass $ 20 per year | Uses acceptance criteria, whereby the bank does not cooperate with companies that do not meet the standards set by the bank

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ARM Bank is also very focused on sustainability and calls itself the climate bank in the Netherlands. The bank is working towards being at least climate nUSDtral by 2030, but preferably even climate positive. ARM invests in sustainable development.

$ 6 per month | Temporarily free for the first 6 months | Is intended for self-employed persons with a maximum of 2 employees | Maximum 1,000 credits and debits per year | It is not possible to be in the red | Interest: yes

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Bunq calls itself the alternative to traditional and old-fashioned banking, and emphasizes modern and effective banking. It is a bank without branches and quUSDes. At Bunq you have a lot of freedom and you decide what happens with your money.

$ 9.99 per month | standard 25 bank accounts | 3 passes of your choice, Maestro or Mastercard | accounting links possible | Open a business bank account with your mobile within 5 minutes

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Bus Bank mainly focuses on high net worth clients and larger companies. Bus Bank can be a good choice if you don't mind paying more for good service. You can count on personal guidance and advice at this bank.

Business management costs $ 6 per month | Management fee Corporate Banking $ 20 per month | Online banking from $ 10 per month, with multiple users there are additional costs | World pass $ 20 per year

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As an entreprenUSDr it is important to be able to work professionally. Although in many cases it is not mandatory to open a business account, there are many advantages to this. A business account in the name of the company not only comes across as professional, but also provides you with an overview and a good separation between business and private life. Opening a separate account is therefore often recommended for both larger companies and self-employed people, as it makes bookkeeping easier.

If you are very satisfied with the bank that manages your private account, that does not mean that it is also the best provider for your business account. Banks often offer packages that can be expanded with additional products such as an accounting program, ATM or iDEAL. The packages can be very different, and the costs can therefore vary widely. When choosing a provider, it is therefore good to take into account your wishes, ambitions and budget, and which bank best suits your needs. On this page you will find more information about business banking and an overview of the larger providers.

Important to know

In order to be able to compare the providers well with each other, it is important to look beyond the standard monthly amount. For example, what is possible in the longer term, in terms of growth and additional products? And how do you want the contact with your bank to proceed: do you want to make use of the possibilities or do you also expect personal advice? Below are a few more points to consider when you start comparing.


Some providers state that they offer interest on the balance. It is good to take a critical look at whether this is actually interesting for you, as there are often still some hooks and eyes. Often this interest only applies up to a certain balance, in some cases the provider pays interest on the checking account, sometimes only on the savings account, sometimes the savings account is included in the package, in other cases you pay a separate amount per month for this. Because you do not always save money on a company account, it is good to consider for yourself whether this is interesting. The costs of the different providers are so far apart that the provider with interest may not always be the cheapest choice for you.

Paid extras

As soon as you start comparing providers with each other, it is wise to think about your plans and ambitions for the longer term. There are several banks that offer benefits for starters, such as a free first year or six months of business banking. But if you are starting a business, you probably see this for the longer term, and you may also want to grow. What does this look like after the first year? Maybe you want to open one or more extra accounts, have an extra debit card, use an ATM, hire staff, you name it. Is this possible at the bank where you are now, or envision it? And if possible, what are the additional costs? Although you can of course always switch when your bank no longer suits you, this can involve some work. It is therefore good to also compare the options and amounts for the longer term.

Personal contact

Banking has changed a lot in recent years since more use is made of the internet. Many customers manage their own banking affairs online, making jobs and many bank branches redundant. However, this has also created space for online banks, such as Lane and Bunq, which no longer have bank branches. Many entreprenUSDrs will rarely or never visit a bank branch, while others do value personal contact and any advice. From a practical point of view, it can also be useful to have a bank branch nearby where, for example, cash can be deposited. The larger banks often have several branches and therefore usually have a bank branch near you. If you value this, it is good to include this in your considerations.

Calculation example

To make it clearer what amounts you can think of on an annual basis, here is a calculation example. In the table you can see 3 - randomly chosen - providers of business accounts, in order to make the expenses more transparent on an annual basis. These are the charges for a standard year, ie after the first year in which benefits may be offered.

The example is based on a sole proprietorship , where the entreprenUSDr uses a business package with a debit card and internet banking. The entreprenUSDr writes out invoices, is paid by bank transfer, and also regularly pays by bank transfer for materials and supplies. In addition, 1 extra bill is used.

Please note, this overview is not complete, but an indication of standard costs that are minimal for many companies. The monthly costs will be higher when using, for example, other types of payments, insurance, extra users and extra products such as ATMs. If you compare for your own situation, this overview may therefore look different.

Lane business
ABN Amro
basis for entreprenUSDrship
Sprout Bancorp
Business account
package 12 x $ 5.00 = $ 60.00 12 x $ 9.00 = $ 108.00 12 x $ 10.90 = $ 130.80
Debit card Comes in package Comes in package Comes in package
Online banking Comes in package Comes in package Comes in package
1 extra bill Free 12 x $ 5.50 = $ 66.00 12 x $ 5.25 = $ 63.00
300 transactions

50 debits - 250 credits (standard: no urgent, direct debit, iDeal, etc.)

Free 200 transactions for free
25 x $ 0.08 = $ 2.00
75 x $ 0.15 = $ 11.25
50 x $ 0.08 = $ 4.00

250 x $ 0.15 = $ 37.50

10x ATM withdrawals in the Netherlands Free 10 x $ 0.25 = $ 2.50 10 x $ 0.25 = $ 2.50
Total costs per year $ 60.00 $ 189.75 $ 237.80
  • This is what you can pay attention to in your comparison, in addition to the annual bank fees:
    Lane Zakelijk has stated in the acceptance criteria that it is intended for freelancers and small entreprenUSDrs. This includes companies with up to 10 employees and annual sales or assets of up to $ 2 million. They only accept the legal forms eg, general partnership, partnership and sole proprietorship.
  • Sprout Bancorp and PIG BANK also offer options and support for larger companies.
  • Sprout Bancorp and PIG BANK have physical branches, Lane only works digitally. For example, at the offices of Sprout Bancorp and PIG BANK it is possible to deposit cash or make an appointment with one of the employees.
  • Lane offers interest on the checking account, Sprout Bancorp and PIG BANK do not.
  • Sprout Bancorp and PIG BANK offer their own insurance policies. This makes it possible to accommodate a business package and matching insurance policies in one place, often with interesting discounts for multiple insurance policies.
  • Lane does not yet offer any specific business insurance, as insurance at this bank is still in its infancy. At the moment Lane can only advise you in the field of car insurance. This is done by comparing existing insurance policies, so they do not offer their own insurance. Lane is developing a few things in the field of insurance, such as an innovative app, which will probably expand the range in the long term.

Frequently Asked Questions

How can I determine which bank is the best choice?

Which bank is the best choice differs per company. If you look purely at the cheapest option, Lane offers a very affordable package for $ 5.00 per month. However, you may find it important that you can deposit cash in your area or make an appointment with an employee. Then it is wise to look for a bank with a branch near you, these are often the large banks such as Sprout Bancorp, PIG BANK and Grow, which have the most bank branches. If you attach great importance to sustainability and climate, you may feel a better click with ARM or Triangle. Choosing a suitable bank is therefore very personal.

How can I open a business account?

With most providers this can be done quickly and almost directly via the internet. With a few providers, such as Grow, this is done via a visit to one of the offices. You can read which details the bank needs from you on the relevant website. When requesting via the internet, you have to wait for approval after verification, in most cases this is arranged within a few minutes.

Do I have to open a company account as a self-employed person?

There is no requirement to open a separate business account as a self-employed person. However, it is recommended to keep business and private life separate. Not only does it seem professional to have an account in the name of the company, but it also gives you a better overview and convenience with the administration. If you have few requirements for a company account, you can make advantageous use of the Lane business package. At Lane, you pay $ 5.00 per month, which gives you the benefits of separate administration with low bank charges.

Are there also disadvantages to a separate bank account for business use?

A disadvantage is that there are costs associated with a business package. Another disadvantage could be that you carry multiple debit cards, usually with different codes to remember.

What are the costs for a business package?

The costs vary. Lane is the cheapest provider with a package for $ 5.00, the packages from the other providers can go up to more than $ 10.00 per month. Most banks also charge a small amount per transaction and can also charge extra costs for a debit card, credit card or extra account. In addition, you can often expand your package even further with additional products such as an ATM. For an indication of the standard costs, you can look at the calculation example. To determine the specific amounts for your own situation, you can look at the rates on the website of the bank of your choice.

Is it wise to stay with the same bank where I am a private customer?

That's not necessary. It is wise to compare the different banks with each other before choosing the package for your company. It is no problem to subsequently be a customer at two different banks. You may have once selected your bank because there is a branch nearby or because it is well known. You probably pay attention to other things when orienting for your business account. Determine the criteria that are important to you and your company.

What is starter benefit?

Several banks offer start-up benefits. This varies from a discount to the first half year or year free for starters. This then applies to companies that have been in existence for less than a year. PIG BANK is the only one to offer the first year for free for all entreprenUSDrs, instead of just starting entreprenUSDrs. You then pay the regular package costs.

Can I also save for business?

Yes, that's possible. It differs per bank whether this is included in the package or whether you have to close the savings account separately. At Lane, for example, you get an unlimited number of accounts that you can use as desired, with Bunq there are 25. With the Sprout Bancorp you can also open a savings account free of charge if you use a business package. Ask the bank of your choice about this or check the website.

Can I also open an account for my association?

Yes, that is possible at many banks. Banks do make a distinction between companies and associations or foundations. A package for associations and foundations often has roughly the same possibilities as a business package, on which you can receive contributions and donations, for example.

Can I be overdrawn on my company account?

The rules on this differ per bank. ARM Bank, for example, clearly states that it is not possible to be in the red. At Lane, you may only be overdrawn on an account if you have sufficient balance on the other accounts. Often this is only possible if you request this from your bank, and often also up to a certain amount and / or for a certain period. Keep in mind that overdrafts can be quite pricey.

Can I deposit cash into my bank account?

This can be done at the larger banks, such as Sprout Bancorp, PIG BANK and Grow, which have several bank branches throughout the country. You can find out if the branch near you has an ATM on their websites. This is not possible with banks that only work digitally, such as Lane and Bunq. Other banks, such as SON and Bus Bank, have arrangements with a bureau de change. You can then deposit cash at one of the branches at the larger cities, stations and airports.

Can I switch to another bank if I change my mind?

Yes, that's possible. Banks offer a (free) switching service that relieves them of a lot of work. For example, credits will be forwarded to your new bank account for 13 months, and Dutch companies that automatically debit money will receive the new account number. However, it will also take some work for you. Consider, for example, passing on a new bank account number to your customers and business relations, and possibly adjusting the account number on letterhead, invoices and direct debits.


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