Business banking fees in the Netherlands

What business accounts cost in the Netherlands

A Dutch business account fee usually has several parts: a monthly account fee, per transaction fees for transfers and direct debits, card fees, cash deposit and withdrawal fees, and currency conversion costs on foreign payments. Traditional banks tend to bundle a set of services into a monthly package fee, then charge for extras such as extra transactions and cards. Neobanks tend to advertise a low headline fee and charge for items such as cash handling or transfers beyond an allowance. Comparing only the headline fee can mislead, so add the items your business actually uses.

Account fees at banks and neobanks

Monthly package fees at traditional banks commonly start from about EUR 9.90 a month at ING, about EUR 9.90 a month for the ABN AMRO Volop Ondernemen Smart package, and from about EUR 9.95 a month for the Rabobank Zakelijke Rekening, all as of 13 May 2026. ING and ABN AMRO often run starter packages that are free for the first six months. Neobanks publish lower headline fees, with the bunq Free Business plan at no monthly fee, paid bunq plans from about EUR 7.99 a month, and Qonto from about EUR 9 a month excluding VAT on a yearly plan. Confirm current figures with the provider.

Transaction, card and cash fees

Beyond the account fee, watch the per item charges. The Rabo ZZP Rekening has no fixed monthly account fee but charges about EUR 0.39 per euro transaction, as of 13 May 2026, which suits low volume sole traders. SEPA transfers and direct debits may be included up to an allowance at other providers, then priced per item. A business debit card may be included or charged separately, and extra cards usually cost more. Cash deposits and withdrawals often carry a fee at traditional banks and may be limited at neobanks. Foreign currency payments add a conversion cost, which multi currency providers such as Wise Business price close to the mid market rate. Read each fee schedule for the current figures.

Fees to check before you open

Look at these fee items before you commit, because the cheapest headline price is not always the cheapest overall. Verify with the provider

• The monthly account fee and what it includes. ING and the ABN AMRO Volop Ondernemen Smart package start from about EUR 9.90 a month, and the Rabobank Zakelijke Rekening from about EUR 9.95 a month, as of 13 May 2026.
• Transfer, direct debit and card fees, plus any allowance of free transactions before charges begin. Neobank plans such as bunq Free Business at no monthly fee and Qonto from about EUR 9 a month differ widely in what counts as free, as of 13 May 2026.
• Cash deposit and withdrawal fees, and currency conversion costs. Neobanks often limit cash handling, while multi currency providers such as Wise Business price foreign exchange separately. Verify current figures with the provider.

How to compare fees

1. List the transactions your business makes in a typical month: transfers, card payments, cash, and any foreign currency. This is the basis for a fair comparison.
2. Total the monthly fee plus the per item charges for your usage at each provider. Note whether quotes include VAT, since Dutch business pricing is often shown excluding VAT.
3. Check the cost of the items you use most, such as foreign payments or cash handling, since these often outweigh the headline fee. Confirm the current schedule with the provider before opening.