Online business accounts and neobanks in Netherlands

Snapshot

Online providers and neobanks open a business account quickly and cheaply in the Netherlands. bunq offers an app account with a Dutch IBAN and a free tier, N26 Business runs on a German IBAN, and Qonto adds invoicing and accounting tools. Wise Business and Revolut Business lead on multi currency. The trade off is the licence type and limited cash handling. As of 19 May 2026.

Licensed EU banks: bunq and N26 are licensed EU banks, so eligible deposits carry deposit cover up to the published limit. As of 19 May 2026.
Electronic money providers: Wise Business and Revolut Business hold an e money licence, so funds are safeguarded, not covered by a deposit scheme.
Strengths: Fast onboarding, low cost, strong apps, and for Wise and Revolut strong multi currency.
Trade offs: Limited or no cash handling, support mainly in app, and some providers issue a foreign IBAN.

Fees and features as of 19 May 2026Last reviewed 19 May 2026

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

Online providers and neobanks are a common way to open a business account in the Netherlands, because they onboard in days, cost little and offer strong apps. They fall into two groups by licence. bunq and N26 are licensed EU banks, so eligible deposits carry deposit cover up to the published limit, with bunq issuing a Dutch IBAN and N26 a German one. Wise Business and Revolut Business hold an electronic money licence, so customer funds are safeguarded rather than covered by a deposit scheme, and they lead on holding and converting many currencies. Qonto sits alongside them with a Dutch IBAN and stronger invoicing and accounting tools. The common trade offs are limited or no cash handling, support that is mainly in app, and a foreign IBAN at some providers. Figures are shown as of 19 May 2026. Confirm current terms with each provider.

How online accounts and neobanks differ in Netherlands

The most useful split is by licence, because it decides how your money is protected. A licensed bank places eligible deposits under a deposit guarantee scheme up to the published limit. An electronic money provider safeguards customer funds in segregated accounts instead, which is a different protection. Neither is automatically better, but it is worth knowing which one you hold. As of 19 May 2026.

Licensed EU banks

bunq is a licensed EU bank offering an app based business account with a Dutch IBAN, sub accounts and a free tier, with paid plans reported from about EUR 2.99 a month. N26 is a licensed EU bank offering N26 Business on a German IBAN, listed at no monthly fee on its standard plan for sole traders, with paid plans for more cards and limits. Eligible deposits at both carry deposit cover under the relevant national scheme. Verify the covered limit with the provider, as of 19 May 2026.

Electronic money providers

Wise Business holds and converts many currencies near the mid market rate, with no monthly fee and a one off opening fee, and is strong for foreign revenue. Revolut Business offers a free Basic plan and paid plans with a fee free exchange allowance that varies by plan, plus expense tools. Qonto offers a euro account with a Dutch IBAN and stronger invoicing and accounting integrations, from about EUR 9 a month. These providers safeguard funds rather than offer deposit cover. As of 19 May 2026. Verify current pricing with each provider.

What to weigh before choosing a neobank

The licence type, since it decides whether you hold deposit cover or safeguarded funds.
Whether you need a Dutch IBAN, which bunq and Qonto provide and N26, Wise and Revolut may not.
Cash handling, which is limited or absent at most neobanks.
The features you actually use, such as multi currency, invoicing, accounting links and cards.

Compare online business accounts available in Netherlands

These online providers accept business customers in the Netherlands. Fees and eligibility shown as of 19 May 2026. Confirm current terms with the provider before applying.

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Questions about online accounts and neobanks in Netherlands

Which neobanks offer business accounts in the Netherlands?

bunq offers an app account with a Dutch IBAN, N26 Business runs on a German IBAN, and Qonto adds invoicing and accounting tools. Wise Business and Revolut Business lead on multi currency. Each suits a different need, so match the features to your business. As of 19 May 2026. Verify with the provider.

Are neobank business accounts safe in the Netherlands?

It depends on the licence. bunq and N26 are licensed EU banks, so eligible deposits carry deposit cover up to the published limit. Wise and Revolut hold an electronic money licence, so funds are safeguarded in segregated accounts rather than covered by a deposit scheme. As of 19 May 2026. Confirm with the provider.

Do neobanks give a Dutch IBAN?

Some do. bunq and Qonto issue a Dutch IBAN that starts with NL, while N26 issues a German IBAN and Wise and Revolut often issue a foreign IBAN. A foreign IBAN works across SEPA, but some Dutch parties prefer an NL IBAN, so check how you get paid. As of 19 May 2026.

Can neobanks handle cash in the Netherlands?

Mostly not, or only in a limited way. Online providers are built around digital payments, so cash deposits and cheques are limited or unavailable. A business that handles a lot of cash may need a traditional bank. As of 19 May 2026. Verify with the provider.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 19 May 2026. Confirm current terms with the provider before applying.