Best business account of 2026
Thomas Vles
6 minute read
Choosing the best business account in 2026 is not an easy task for many entrepreneurs. The options are vast, and the differences between traditional banks, digital providers, and modern payment platforms are clearly noticeable.
Anyone starting their own business or looking to switch would do well to first determine what is needed to open a business account. Costs, ease of use, and digital capabilities play a significant role in this. By comparing business accounts, you can avoid unnecessary costs and choose a solution that fits your way of working.
The right choice also depends on your legal structure. For example, you can opt for a business account for a private limited company or a business account for a general partnership. In this overview, we list the most popular business accounts in the Netherlands and explain the key differences clearly.
What should you consider when choosing the best business account?
Which business account suits you best depends on several factors. By determining in advance what you find important, you can avoid surprises and choose a solution that truly supports your daily work.
Cost structure: don’t just look at fixed monthly fees, but also at transaction costs, any additional fees for supplementary services, and the sustainability of the account.
Speed of opening: a short registration time and fast KYC and KYB processing ensure that you can start your business quickly.
Ease of use: a clear app and logical platform save time for managing your payments and administration.
Flexibility: additional IBANs or multiple accounts can be useful for separating cash flows.
Collaboration: consider easy access for your accountant or team members.
Growth and future: choose a business account that grows with your enterprise and continues to add new features.
Best business accounts: top 10
To help you make a good choice, below you will find an overview of the ten most popular business accounts in the Netherlands in 2026. For each provider, you can read what makes them suitable for entrepreneurs and what costs you can expect.
1. GoDutch Business Account
GoDutch is an innovative all-in-one platform for entrepreneurs who want to organise their finances smarter. With the GoDutch app, you manage payments, administration, and collaboration with your team from one overview. The focus is on speed, automation, and transparency, without fixed monthly fees. GoDutch is therefore a modern alternative for entrepreneurs looking for a modern business account without the need for cumbersome processes and long wait times.
Costs
Fixed monthly costs: €0
Costs per SEPA payment: €0.12
2. N26 Business Account
N26 is a fully digital provider that is particularly popular among freelancers and small business owners. The N26 business account can be opened quickly and is easy to use. N26 focuses on entrepreneurs who are primarily looking for a basic solution without fixed costs and with a clear mobile app.
Costs
Fixed monthly costs: €0
Costs per SEPA payment: €0
N26 is free of charge, but offers fewer extensive features and automation than GoDutch. By comparing N26 with GoDutch, you get a better picture of which solution is best suited to your way of doing business.
3. Bunq Business Account
BUNQ is known for its flexibility and extensive options for managing multiple accounts. This Bunq business account is particularly suitable for entrepreneurs who want to separate different cash flows or manage multiple projects simultaneously. The app offers many settings and automations.
Costs
Fixed monthly costs: from €7.99
Costs per SEPA payment: €0.13
Bunq charges fixed monthly fees, while GoDutch operates without a subscription. Comparing Bunq to GoDutch makes the difference in costs and flexibility clear.
4. Revolut Business Account
Revolut is an international player focused on entrepreneurs who do a lot of business internationally. The Revolut business account offers extensive options for payments in multiple currencies and is attractive for companies with foreign customers or suppliers.
Costs
Fixed monthly costs: €10
Costs per SEPA payment: €0.20
Revolut is primarily aimed at international use, but has higher monthly costs and transaction fees than GoDutch. By considering these differences with Revolut alongside GoDutch, you can easily make an appropriate choice.
5. Rabobank Business Account
Rabobank is a traditional choice for entrepreneurs who value a comprehensive services package and a large network. The Rabo business account is suitable for various legal forms and sectors, but opening and managing it often takes more time than with digital alternatives.
Costs
Fixed monthly costs: €9.95
Costs per SEPA payment: €0.12 to €0.15
Rabobank has fixed costs and slower digital processes than GoDutch. By comparing Rabobank with GoDutch and looking at options side by side, you can see which type of bank best fits your needs.
6. Knab Business Account
KNAB specifically focuses on entrepreneurs and freelancers who want clarity in their financial administration. The business accounts from Knab align well with accounting processes and are particularly suitable for entrepreneurs who want to organise their finances tightly.
Costs
Fixed monthly costs: €11
First 500 SEPA payments per year free, then €0.10
Knab offers a lot of clarity, but charges higher fixed monthly costs than GoDutch. By comparing Knab with GoDutch, you gain insight into costs and ease of use.
7. ASN Business Account
ASN appeals to entrepreneurs who find sustainability and social impact important. The ASN business account is less focused on speed and flexibility, but is suited for entrepreneurs who want to operate consciously.
Costs
Fixed monthly costs: €10.70
Costs per SEPA payment: €0.15
ASN emphasizes sustainability but is less fast and flexible than GoDutch. By comparing ASN with GoDutch, you can see where the differences lie.
8. RegioBank Business Account
RegioBank combines a traditional approach with personal service via local advisors. This business account from RegioBank is particularly suitable for entrepreneurs who value personal contact and less emphasis on digital innovations.
Costs
Fixed monthly costs: €10.70
RegioBank offers personal service but has higher fixed costs and fewer digital options than GoDutch. By comparing the approach of RegioBank to GoDutch, you create a clear overall picture.
9. ING Business Account
ING is a popular option for entrepreneurs who like to manage both their personal and business finances with one provider. The business ING account offers a stable online environment, but opening and changing settings can take relatively long.
Costs
Fixed monthly costs: €9.90
Costs per SEPA payment: €0.13
ING is a stable choice but less flexible and often more expensive to use than GoDutch. By comparing ING with GoDutch, you can see which solution better fits your working style.
10. ABN AMRO Business Account
ABN AMRO offers a wide range of services for entrepreneurs in various sectors. The ABN AMRO business accounts are suitable for growing companies but come with fixed costs and limitations in flexibility compared to modern alternatives.
Costs
Fixed monthly costs: from €9.90
Costs per SEPA payment: €0.12 to €0.15
ABN AMRO charges fixed monthly costs and offers less flexibility than GoDutch. By comparing the differences of ABN AMRO to GoDutch, you can make a more targeted choice.
Best business account for freelancers
Freelancers have different requirements for a business account than larger companies. Low costs, clarity, flexibility, and good mobile banking are often more important than extensive packages. Therefore, it makes sense to compare business accounts for freelancers in a different way, tailored to their daily practices and expectations.
GoDutch Free: a free business account focused on mobile use. Supports Apple Pay and Google Pay and is especially suitable for freelancers who want to manage everything via their smartphone.
Knab Business: popular among freelancers due to its transparent rates and practical features that are tailored to self-employed entrepreneurs.
ABN AMRO Business: a flexibly constructed package that allows you to start easily and scale up later. Suitable for freelancers who want to grow and take advantage of additional services such as insurance. Apple Pay and Google Pay are included.
ING Business: a business account with a basic structure where you pay based on usage. Offers many digital connections and integrates well with other online services.
Finom Business: a modern digital bank with real-time insights, automatic bookkeeping connections, and low fixed monthly costs.
Which business account is the best in 2026?
By comparing business accounts based on costs, ease of use and flexibility, you can quickly see which solution best fits your business. Digital alternatives often offer speed and lower fixed costs, while traditional banks primarily focus on a wide range of services.
| Additional IBANs | Free KYC/KYB | Registration | KYC/KYB | Costs p/m | SEPA costs |
GoDutch | Unlimited | ✔ | 3 min | 3 hours | €0 | €0.12 |
Rabobank | Paid | ✖ | 10 min | Days–weeks | €9.95 | €0.12–0.15 |
ING | Paid | ✖ | 30–60 min | 1–2 weeks | €9.90 | €0.13 |
ABN AMRO | Max. 3 | ✖ | 10 min | 3–7 days | from €9.90 | €0.12–0.15 |
Knab | Max. 5 | ✔ | 5–10 min | ± 5 days | €11 | €0–0.10 |
bunq | Up to 25 | ✔ | 5 min | < 24 hours | from €7.99 | €0.13 |
Revolut | Many | ✔ | 10 min | < 24 hours | €10 | €0.20 |
ASN Bank | None | ✖ | 15 min | ± 2 weeks | €10.70 | €0.15 |
RegioBank | None | ✖ | 15 min | 3–7 days | €10.70 | €0 |
N26 | Max. 10 | ✔ | 8 min | Hours | €0 | €0 |
Open your best business account with GoDutch
Are you looking for the best business account of 2026 that is truly tailored to how you operate? With GoDutch, you choose one or multiple business payment accounts through which you manage your finances, administration, and collaboration centrally in one clear platform.
Opening an account is fully digital and is usually completed within minutes. After your application, the KYC and KYB process starts and you will typically receive your IBAN and payment card within a few hours.
FAQ
