Open your business account online

The Qonto business account is designed by professionals for professionals. Whatever your activities, you'll find an offer with services that suit your needs. Enjoy innovative payment methods, such as configurable payment cards with insurance, real-time expense visualization, and an expense management module. With Qonto's online account, you can monitor your expenses via your client interface, wherever you are.

Whether you're an expert in artisanal techniques, a trader, or a construction professional, Qonto helps you maintain control over your finances, even on the go. Spend less time on administrative tasks and focus on what matters: growing your business.

Want to know more?

Read our articles on this topic and discover how our 100% online business account adapts to any profession, such as:

1. Consulting and mediation - Invite your employees to join you on Qonto to optimize expense management and prevent expense declarations. Use the virtual bank card and digitize your receipts.
2. Retail and e-commerce - Accept payments from your customers via a payment card using a mobile payment terminal.
3. Transport - Use Mastercards configured in real-time for travel expenses and benefit from travel insurance and legal assistance for each type of payment card.
4. Construction activities - On-site or in the office, simplify your company's financial management and keep an overview of your expenses. Learn more about the benefits of the Qonto business account for the construction sector. 

Are you looking for another bank to open a business account? Reasons might include more favorable rates, no hidden costs, services that better suit your company, or good customer service.

To avoid surprises, take time to prepare for the switch. Follow these steps:

1. Research the offerings, especially regarding transferable bank products, direct debit authorizations, and standing orders to your business account

2. Check the cancellation conditions for products at your current bank

3. Open your new business account after comparing offers from banking institutions and the services they offer

4. Inform all your partners and suppliers about the change in your bank details. Cancel your old business bank account. To make switching banks easier, we've developed a bank switching service specifically for professionals.

To ensure a smooth transition, one of our advisors will assist you free of charge and support you at every step:

1. Open your online Qonto business account
2. Determine the actions needed for your current bank account
3. Create a customized step-by-step plan
4. Activate a dashboard to monitor the process
5. Cancel your old business account.

Is your company already registered or are you still setting it up? We have tailored offers for everyone to provide maximum service at different stages of your business. Whether you work alone or with a team, Qonto provides all the payment methods you need to run your business in real-time. Qonto is also the only business account that offers metal cards for professionals and allows the collection of SWIFT transfers (from abroad).

Qonto is more than a current account; we simplify your daily routine. With various options, it's easier to track expenses and update your accounting daily.

Dutch IBAN

With a Dutch IBAN, you make it easy for your customers and suppliers. No more hassle with foreign IBAN checks: you pay and get paid as you're used to.

Own banking platform

Since 2019, we've used our own banking platform (Core Banking System), allowing us to execute transactions ourselves. This independence enables us to provide the best experience and directly create products and services that make business life easier.

Transparent business account rates

Our mission focuses on the needs of entrepreneurs. Our customer service responds quickly and attentively. All rates and offers from Qonto are transparent. Opening a business account is non-binding. You can switch accounts anytime if your business needs change.

+600,000 business customers have joined Qonto to simplify their daily finances. When will you become a Qonto customer?

There are no transaction fees outside the payment of the monthly account fees.

If you don't perform more transactions or use services beyond your plan, you only pay the monthly rate of your account.

Additional business account services

If you order extra payment cards or perform additional transactions (more than provided in your package), you will be billed for these additional costs.

Read more about the costs of cards and additional services.

The best business bank depends on your needs as an entrepreneur. Traditional banks offer a wide range of services, while digital solutions like Qonto focus on speed, ease of use, and integrations with accounting software. When choosing, consider monthly costs, payment options, integrations with your administration, and how quickly you can open an account. For many freelancers and SMEs, an online business account is appealing because everything can be arranged digitally. 

With your Qonto account, you can receive money and send money in more than 18 foreign currencies via the SWIFT network from anywhere in the world. This feature is available in some of our plans. Find all the details on our pricing page.

The easiest business bank account to open is usually a fully online account with various tools. With fintech providers, you can often start an application within minutes, verify your identity digitally, and get started right away. Traditional banks sometimes require an appointment or additional documents, making the process longer. Note: for a BV, additional checks are often required, regardless of the bank.

There is no fixed limit for how much money you can have tax-free in your business account. For a sole proprietorship or VOF, tax is usually calculated on your profit, not the balance in your account. However, there is a tax-free allowance in box 3: in 2026, you won't pay tax on the first €59,357 of assets. If you have a tax partner, this can increase to €118,714 together. Note: whether money in your business account falls under box 3 depends on your legal form and personal situation. Consult a tax advisor if in doubt.

The cost of a business account varies by bank and package. On average, monthly costs range between €0 and €25 for freelancers and small businesses. Digital providers often have lower entry prices and included features such as invoicing or expense management, while traditional banks sometimes charge extra for payment cards, transactions, or accounting integrations. Always compare what's included in the price before choosing.

Yes, you can open a business account entirely online.

With Qonto, you set up your business account in minutes via your laptop or smartphone. Complete the application process digitally, upload your documents online, and securely verify your identity through a short verification. No paperwork, no appointment at a bank branch.

Upon approval, you get immediate access to your account with a Dutch IBAN, payment cards, and tools for invoicing and accounting. Start receiving and making payments right away.

No, in the Netherlands, you cannot open a business account without KVK registration.

Banks are legally required to check if your company is registered with the Chamber of Commerce (KVK). Without a KVK number, they cannot verify your business and are not allowed to open a business account.