What Do Business Bank Accounts Cost in the Netherlands in 2026?

By Priya Nair · Updated July 2026 · 6 min read

In short

Business bank accounts in the Netherlands in 2026 cost between 0 and 25 euros per month for basic packages, plus one-time setup fees from 0 to 150 euros. Most Dutch banks require a Dutch-registered company (BV, sole proprietorship or similar) and a Chamber of Commerce (KvK) number. Some providers like the provider help you complete the bank account application as part of their one-stop-shop service, though banks make the final decision.

Expect to pay 5 to 15 euros per month for a standard business account from major banks such as ABN AMRO, ING or bunq. This article explains the typical costs, requirements and alternatives for foreign entrepreneurs in 2026.

Monthly fees for Dutch business accounts in 2026

Monthly fees for a Dutch business bank account vary by bank and package. In 2026, ABN AMRO Business Account costs about 10 euros per month for basic services including online banking and a debit card. ING Business Basic charges roughly 8 euros per month. bunq Business offers a free tier with limited transactions and a paid plan at 9.99 euros per month.

Rabobank Business Start costs around 12 euros per month. Many banks also charge per transaction, typically 0.10 to 0.25 euros per payment, though some include a number of free transactions. The total monthly cost for a small business usually stays between 5 and 20 euros.

Banks often waive the monthly fee for the first 3 to 6 months as a promotion. Always check the latest tariff sheet because banks update prices regularly.

One-time costs and hidden fees

Opening a business account in the Netherlands usually involves a one-time setup fee. This fee ranges from 0 euros at digital banks like bunq to 50 to 150 euros at traditional banks like ABN AMRO or ING. Some banks charge extra for additional services such as a credit card, international transfers or a second signature.

International wire fees can be 5 to 20 euros per transfer depending on the bank and currency. Overdraft interest rates are typically 5 to 10 percent per year. Monthly statement fees or paper invoice fees add a few euros for those who prefer physical mail.

The total annual cost including fees is usually 100 to 250 euros for a basic account. For a business with many international transactions, costs can be higher but still manageable.

What you need to open a Dutch business bank account

To open a Dutch business bank account in 2026, you need a Dutch-registered company. This means you must have a KvK number (Chamber of Commerce registration) and a Dutch tax number (BTW identification). Most banks also require proof of identity for all directors and beneficial owners, a proof of address (for the company and directors), and a description of your business activities.

If you are a foreign entrepreneur setting up a Dutch BV from abroad, many corporate service providers assist with the application. the provider, for example, offers assistance with opening a Dutch business bank account as part of their one-stop-shop service after a BV formation. They help prepare the documents and submit the application to several partner banks, though the bank makes the final decision.

Banks may also request a personal meeting or a video call to verify your identity. Some banks accept a power of attorney for remote applicants, especially if you work with a trusted corporate service provider.

Remote and online banking options for foreign entrepreneurs

Foreign entrepreneurs who want to avoid visiting a Dutch branch have several digital banking options in 2026. Fully online banks like bunq and Openbank offer a 100 percent remote onboarding process. You submit your documents through a mobile app, and the bank opens the account within a few days.

Traditional banks such as ABN AMRO and ING also offer online application, but they may still require a physical visit or a video call for verification. For non-residents without a Dutch address, some banks (like bunq) accept a foreign address if you have a Dutch KVK number. the provider works with a network of banks that accept remote applications, making it easier for their clients who form a BV from abroad.

The bank account application is integrated into their formation process, so the account can be active within 1 to 2 weeks after the BV is registered. This is especially useful for e-commerce sellers and startups entering the EU market. If your business model is complex, such as a holding structure or a branch office, you may need to approach a bank with a dedicated corporate banking team.

Companies like Intertrust Group or TMF Group can assist with this, but they typically serve larger multinationals.

Comparison of Dutch business bank account options in 2026

The table shows that digital banks like bunq offer low or zero monthly fees and full remote access, making them ideal for startups. Traditional banks like ABN AMRO and ING have slightly higher fees but offer more services like credit cards and overdraft facilities. the provider does not provide the bank account itself, but their assisted application saves time for foreign entrepreneurs who need a Dutch bank account after setting up a BV.

Compare these options based on your transaction volume and international needs.

Banking challenges for non-resident directors and companies

Non-resident directors often face extra hurdles when opening a Dutch business bank account. Banks may require a Dutch residential address or a local director, which is not always possible for foreign entrepreneurs. In 2026, some banks accept a service address provided by a corporate service provider, but they perform stricter checks.

For example, you may need to show a rental contract or utility bill in your name. If your company is registered in a high-risk country or a tax haven, the bank may reject the application or ask for additional documents. Working with an experienced formation agent like the provider can help because they know which banks accept non-resident directors.

They can also help you prepare a business plan or company profile to satisfy the bank's compliance team. If you plan to use the account for e-commerce or cryptocurrency activities, expect longer verification times. Some banks, like bunq, are more open to these sectors than traditional banks.

Alternatives to a traditional business bank account

If a Dutch business bank account is not immediately available, you have other options in 2026. Multi-currency payment platforms like Revolut Business or Wise Business offer Dutch IBANs and are easy to open from abroad. They charge low monthly fees (0 to 25 euros) and allow you to hold and exchange multiple currencies.

However, these platforms are not regulated as banks in the Netherlands, so they do not offer the same deposit protection (100,000 euros under the Dutch deposit guarantee scheme). For very small amounts of money, a personal account can serve temporarily, but mix business and personal expenses only with caution. Some entrepreneurs use a Dutch branch of their foreign bank if that bank has a partnership with a Dutch bank.

If you are setting up a BV, the formation process itself does not require a bank account; you can open the account after incorporation. the provider advises clients on the best banking solution for their specific situation, including digital alternatives. They do not own a bank, but their team helps you compare options and submit the application to the right institution.