Belgium’s only free business account that automatically sets money aside for taxes. Made for the self-employed.
| Accountable Banking | KBC Business Pro | Belfius Business | BNP Paribas Fortis Pro | ING Professional | Argenta Pro (natural persons) | Hello Bank Pro (natural persons) | Revolut Business | N26 Business Smart | |
|---|---|---|---|---|---|---|---|---|---|
| Service | |||||||||
| Yearly fees | €0 | €51 | €30 | €24 | €84 | €42 | €0 (only for natural persons) | €120 | €59 |
| Physical card | |||||||||
| Virtual card (Apple Pay & Google Pay) | |||||||||
| Belgian IBAN | |||||||||
| Card payment fees | €0 | €0 | €0 | €0 | €0 | €0 | €0 | 1%-2.8% | €0 |
| Receiving/transferring money abroad | €5 + 0,6–5% | €25.40 | €4.54–€6.05 | €15-20 | €6 | Fees vary | €20.50 | €0-€3 | €0 |
| Costs for payments in foreign currency | 2% | 1.94% | 1.5% | 1.21% + 1.9% | 3% | 1.6% | 1.6% | 0.5%-1% | €0 |
| Subaccount | |||||||||
| Withdrawals from ATMs within the SEPA zone | €1 | €0 | €0 | €0 | €0.70 | €0 | €0 | Free up to €200, then 1% | 5/month for free, then 1.7% |
| Standing orders | |||||||||
| Taxes | |||||||||
| Tax savings | |||||||||
| Automatic calculation of income tax return | |||||||||
| Automatic calculation of VAT return | |||||||||
| Own bookkeeping tool | |||||||||
| Security | |||||||||
| Deposit insurance | Only if account is fully licensed under EU bank | ||||||||
| 2-Factor Authentication | |||||||||
| Customer support | In-app chat, email | In-app chat, phone, email | In-app chat, phone, email | In-app chat, phone | In-app chat, phone, email | In-app chat, phone | In-app chat, phone, email | In-app chat, email | In-app chat, email |
Start taking control of your finances today.
Currently, our free bank account is available to all self-employed individuals and is limited to natural persons (e.g., eenmanszaken or personne physique).
If you have a company and are interested in our banking products, please contact us.
No, there are absolutely no hidden costs involved with Accountable Banking. The banking product is available for free*, no matter what Accountable plan you are on (Free, Invoicing, Bookkeeping, Taxes or Max), so you can manage your business finances without any surprises.
If you are in our Free plan and would like to unlock all of Accountable’s tax and accounting features, including our web app and Tax Guarantee, you can choose to upgrade. To learn more, please visit the pricing page on our website where everything is clearly outlined.
Don’t hesitate to reach out in case you have any questions about this.
*While Accountable Banking itself may be free, Swan’s terms and conditions apply, and banking fees may be charged in certain cases.
Yes. Your money is fully protected. All funds in your Accountable Banking account are held in a dedicated safeguarding account with our licensed banking partner Swan, a European financial institution supervised by the National Bank of Belgium.
Your funds are securely held with an established French credit institution and are never invested or used by us in any way. They are kept separate and safeguarded at all times.
In the unlikely event of Swan’s bankruptcy, all your deposits remain fully protected, with no limit, and will be returned to you.
If you have any questions about this, please contact our support.
With Accountable Banking you get all the main services you’d expect from a traditional bank. These services are provided by our regulated banking partner Swan, an European financial institution supervised by National Bank of Belgium, ensuring the highest standards of security and compliance.
Through the Accountable platform, you can easily manage your business finances, make payments, receive transfers, and much more, all in one seamless experience.
Yes, Accountable calculates the exact amount of taxes you need to set aside based on your business expenses and revenue.
As long as you keep your expenses and revenues up to date in the app, you can trust that the calculation is accurate. We’re fully transparent about how we calculate taxes, and if you ever have questions, our tax coaches are here to help. Plus, we offer a Tax Guarantee, so you’re protected against fines in case of any mistakes.
If you ever have any questions about your taxes, don’t hesitate to reach out to our Tax Coaches in the app.
Opening a professional Accountable Banking account is 100% free and available with every Accountable plan, including the Free plan.
While Accountable Banking itself is free, Swan’s terms and conditions apply, and certain banking fees may still be charged. For example, for international transactions.
All fees will be directly billed to you by our Banking partner Swan. Accountable is not allowed to bill any Banking fees to you.
|
Functionality |
Fee |
|
Monthly fee |
€0 |
|
Virtual debit card (Apple/Google pay) |
€0 |
|
Domestic transfers (incoming + outgoing) |
€0 |
|
Transfers (incoming + outgoing) within the SEPA zone (see below) |
€0 |
|
Instant transfers |
€0 |
|
Standing orders |
€0 |
|
Direct debits |
€0 |
|
ATM withdrawals within the SEPA zone |
€1 |
|
Non-EUR transfers (see full list below) |
€5 + 0.6-5% of amount |
|
ATM withdrawals outside the SEPA zone |
2% of the amount withdrawn |
Countries within the SEPA zone
Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden, Switzerland, the UK, San Marino, Vatican City, Andorra, Monaco, Iceland, Norway, and Liechtenstein.
Fees for incoming and outgoing credit transfers in foreign currencies
|
Currency |
Fee |
|
PLN, HRK, HUF, CZK, RON, DKK, |
5€ + 0.6% |
|
KES, PKR, MXN, INR, VND, MYR, |
5€ + 1% |
|
UGX, ARS, NPR, EGP, TZS, BRL, |
5€ + 2% |
|
BWP, UYU, FJD, COP, MAD, CRC, |
5€ + 5% |
To open your Accountable professional account, you simply need to create a free account in the app. Once you are in the app, you can click on the button to get started in your Bank screen.
Clicking on this link will take you to the onboarding flow, that allows you to open an account in just a few minutes. To confirm your identity, we will ask you a couple of questions about yourself and your professional activity, as well as ask you to upload a picture of your ID and a selfie.
Once we have received all your information, we will perform a check to make sure everything is in order and activate your account within 2 business days.