Best Business Bank Accounts in the Netherlands: Complete Comparison for Entrepreneurs and Freelancers
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Best Business Bank Accounts in the Netherlands: Complete Comparison for Entrepreneurs and Freelancers

James Van Der Berg
James Van Der Berg January 25, 2026 1 min read 18

At ExpatsList, we help millions of expats worldwide.

Foreign entrepreneurs can open Dutch business accounts by meeting specific requirements including business structure registration and SEPA-IBAN status. Understanding Dutch regulatory requirements helps non-residents establish proper banking foundations.

Who Can Open a Dutch Business Account?

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At ExpatsList, we help millions of expats worldwide.

Yes, foreigners can open business accounts in the Netherlands under specific conditions. Most requirements involve business structure, SEPA-IBAN status, and Dutch regulatory requirements like Kamer van Koophandel (KVK) registration. The Dutch Banking Association provides a \\\"Quick Scan\\\" tool helping non-resident en

Frequently Asked Questions

Can foreigners open business bank accounts in the Netherlands?
Yes, foreigners can open business accounts in the Netherlands. Most banks require KVK (Chamber of Commerce) registration, proof of business structure, and additional documentation. Digital providers often offer more flexible options for those without a Dutch address initially.
What is the cheapest business bank account in the Netherlands?
Finom offers a free plan for freelancers (0 euros monthly), while multi-currency services have zero monthly fees with pay-as-you-go transfers. Traditional banks like ING start at 9.90 euros monthly after promotional periods.
How long does it take to open a Dutch business bank account?
Fintech providers like Finom and Revolut can open accounts within 15 minutes to 24 hours. Traditional banks like ING and ABN AMRO typically take 1-2 weeks minimum, often requiring in-person meetings and more extensive documentation.
Written by
James Van Der Berg
James Van Der Berg
United Kingdom From London, United Kingdom | Netherlands Living in Amsterdam, Netherlands

Ever wonder if leaving London's finance scene for Amsterdam was worth it? Six years later: yes. Better work-life balance, worse weather, surprisingly good Indonesian food. I write about making the jump to the Netherlands.

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