ZZP • Betalen • business account
Open a business account for self-employed people – compare and apply
A business account (zakelijke betaalrekening) helpt u als ZZP’er om zakelijke inkomsten en uitgaven gescheiden te houden. Dat geeft overzicht, maakt boekhouden eenvoudiger en kan professioneel zijn richting klanten. U vergelijkt business accounten vooral op monthly costs, transaction costs, debit card, online banking and accounting links .
Op deze pagina leest u wat een business account voor ZZP is, wanneer u er één nodig heeft, welke functies en kosten belangrijk zijn en hoe u in stappen een rekening aanvraagt.
Business account for self-employed persons in brief
With a business checking account you receive payments on a business IBAN, doet u betalingen (SEPA) en beheert u uw cashflow. Vaak krijgt u A business debit card, mobile/online banking and options for connections with accounting software.
Most chosen by
- freelancers and sole proprietorships who want an overview of their administration;
- Self-employed people who want to process VAT and business costs more easily;
- entrepreneurs who want automatic accounting links.
Conditions, rates and acceptance (KYC/Wwft) differ per bank/provider.
What is a business account (for self-employed persons)?
Definition
A business account is een betaalrekening op naam van uw onderneming waarmee u Commerciale betalingen ontvangt en verricht. U gebruikt deze rekening voor facturen, leveranciers, belastingen en uw Commerciale uitgaven.
Why separate from private?
Scheiding van privé en Commercial geeft beter inzicht in cashflow, maakt btw- en inkomstenbelastingadministratie overzichtelijker en voorkomt dat Commerciale transacties door uw privé-uitgaven heen lopen.
Who is a business account suitable for?
Freelancer / sole proprietorship
- separation of private and business
- faster accounting and VAT overview
- professional appearance
Starting self-employed person
- open quickly
- low fixed costs
- useful app and notifications
Self-employed with many transactions
- transaction costs count heavily
- compare bundles or scales
- accounting link pays off faster
When to compare carefully?
- if you have many transactions (transaction costs can increase);
- if you deposit cash or regularly use your debit card;
- if you pay/receive internationally (exchange rates and surcharges);
- if you want a direct link with your accounting package.
Costs: what do you pay for a business account?
Common cost items
- Monthly fixed costs (subscription/package)
- transaction costs by transfer/collection
- debit card (included or extra)
- Deposit/withdraw cash (surcharges)
- International (FX, fees, correspondent fees)
This is how you choose the right package
De goedkoopste rekening op papier is niet altijd het voordeligst. Kijk naar uw verwachte gebruik: aantal transacties per maand, pinpas, eventuele contante stortingen en accounting links.
Comparison table (checklist)
| Point of comparison | Why important | What to pay attention to |
|---|---|---|
| fixed monthly costs | Basic price of the bill | Is a package mandatory? Are there entry/promotional periods? |
| transaction costs | Great effect with many payments | Price per SEPA transfer and direct debit, bundles/scales |
| debit card | Daily use | Cost per pass, limits, replacement costs |
| accounting links | More efficient administration | Direct link, PSD2, export formats |
| International | Relevant for cross-border customers | Exchange rate surcharge, non-SEPA fees |
Offer and rates differ per provider; always check current conditions.
Important functions for self-employed persons
Online & mobile banking
- transfers and collections
- payment requests
- notifications and limits
accounting links
- connection with accounting software
- PSD2 links (optional)
- export (MT940/CSV)
Pay & receive
- SEPA payments
- business debit card
- international (optional)
Optional: additional payment solutions
Denk aan een zakelijke creditcard of betaaloplossingen voor online verkoop. Niet voor elke ZZP’er nodig, maar wel relevant als u veel online transacties heeft of International werkt.
Requirements and documents: what do you usually need?
Frequently requested information
- Chamber of Commerce registration and company details
- identification of owner/self-employed person
- UBO details (usually yourself if you are a sole proprietorship)
- business activities and origin of resources (KYC/Wwft)
Why these checks?
Bank and zijn wettelijk verplicht om klant and te id and tificer and and risico’s te beoordel and . Compleet aanlever and versnelt doorgaans het op and and van de rek and ing.
Step-by-step plan: opening a business account as a self-employed person
1) Determine usage
Monthly transactions, debit card, cash deposit and accounting link.
2) Compare packages
Compare all-in costs: fixed costs + transaction costs with your volume.
3) Start application
Enter company details and prepare identification/UBO.
4) Identification and checks
Bank carries out KYC/Wwft checks. Complete information speeds up the process.
5) Activate and pair
Activate the account and debit card and link your accounting where necessary.
Checklist: how to choose the best business account for self-employed persons
1) Costs
- fixed monthly costs
- transaction rates
- debit card costs
2) Accounting
- direct link
- PSD2/export (MT940/CSV)
- automation VAT administration
3) Practical
- open quickly
- app and notifications
- support and accessibility
Frequently asked questions about a business account for self-employed persons
Is a business account mandatory for a self-employed person?
For many self-employed people it is not legally required, but it is strongly recommended for overview, administration and a professional appearance. Some banks, accounting links or payment providers impose additional requirements depending on the product.
What is the average cost of a business checking account for self-employed persons?
That depends on fixed monthly costs and transaction rates. Variable costs can be decisive in many transactions. Therefore, compare all-in based on your usage.
What should I pay attention to regarding transaction costs?
Pay attention to costs per transfer/collection, any bundles or scales, surcharges for cash deposits and international payments.
What documents are usually needed to open?
Often Chamber of Commerce data, identification, and information about your activities and expected transactions. Banks carry out KYC/Wwft checks. With a sole proprietorship, you are usually the UBO yourself.
Can I link my accounting to the bank?
Often yes, via direct links or PSD2. Check whether your accounting package is supported and which export formats are available (MT940/CSV).
How quickly can I open a business account?
This varies per provider and how complete your data is. With full documentation it usually goes faster.
What is the difference between business account and private account?
A business account is intended for company payments and helps to separate private and business matters. It often offers additional functions for administration and connections.
Can I switch business accounts later?
Yes. Check switching service, ongoing direct debits, links and possible costs upon termination.
Apply for a business account as a self-employed person? Start immediately
Start via de aanvraaglink en vergelijk business accounten op kosten en functies die relevant zijn voor freelancers en eenmanszaken. Wilt u hulp bij de keuze op basis van uw situatie? Neem contact op.
Call 072 – 509 24 56 or email to info@finassverzekert.nl . Opening hours: Mon–Fri 09:00–17:00 .
