Making business payments often means switching between apps, copying and pasting IBANs, and then matching everything up in your accounts afterwards. That’s now a thing of the past: with Accountable Banking, you can handle all your payments directly within Accountable.
On top of that, Accountable automatically calculates how much money you should set aside for future tax and VAT bills. Not exactly fun, but definitely essential. And did we mention already this business account is 100% free?
Accountable Banking is a new banking feature within the Accountable app, made possible by our banking partner Swan, a European financial institution regulated by the National Bank of Belgium.
Accountable is the first and only provider in Belgium where sole traders can open a free* professional account that automatically helps you save for taxes. This brings us one step closer to our goal of making entrepreneurship more accessible.
With Accountable Banking, you can:
You don’t even need a paid Accountable subscription: Accountable Banking is available for everyone in the free plan too. So there’s really no excuse not to open a professional account for your sole trader business.
*Accountable Banking itself is completely free, but some transactions, such as international payments, may incur fees in line with Swan’s general terms and conditions. You can find an overview of all possible fees here.
Opening an Accountable Banking account takes just a few seconds in the Accountable app:
Once your account is set up, you can:
The biggest advantage of Accountable Banking is the flow: you no longer have to switch between your business account, bookkeeping software, and separate payment apps. You can receive and make payments directly in Accountable, which means less copy-pasting (IBANs, amounts, references) and smoother administration overall.
On top of that, planning ahead is easier and safer thanks to Spaces. You can automatically set aside money within your account, so important funds aren’t accidentally spent on new gadgets or that expensive course you never actually have time for.
What kinds of Spaces can you create? Think of:
Want to finally manage your bookkeeping and payments in one smooth flow, while automatically setting money aside for VAT and taxes?
→ Open your free business account now
If you open a new business account to use as your main account, it’s best to notify your clients and suppliers as soon as possible. Your social security counter office can assist you with this.
This service is usually free, but sometimes (depending on your social counter office) a small administrative fee may apply. You can also update your primary account yourself via My Enterprise.
You should also share your new IBAN with your accountant, clients and suppliers.
As a sole trader (whether full-time, part-time, or a student entrepreneur), you’re allowed to have and use multiple accounts.
If you want to use Accountable Banking as an extra account, for example, to save for taxes, and not as your official main account, you generally don’t need to notify anyone. If you work with an accountant, it’s still recommended to let them know.
Your Accountable Banking account will be automatically linked to your Accountable account alongside your other accounts. This makes it easy to continue linking transactions to expenses, keeping your bookkeeping organised and straightforward.
For now, only sole traders (including full-time, part-time, and student entrepreneurs) can open a business account with Accountable Banking. Do you run a company and are interested in Accountable Banking? Let us know.
No. Accountable is not a bank. With Accountable Banking, you can bank directly in the Accountable app, but the account and financial services are provided by our regulated partner, Swan, a European financial institution supervised by the National Bank of Belgium. This ensures the highest standards of security and compliance.
No. Even users on the free Accountable plan can open a free business account!
The account itself is free for all self-employed users, including those on Accountable’s free plan. There is no opening fee or monthly/yearly fees. While Accountable Banking is 100% free, Swan may charge fees for certain transactions (e.g., international payments). More info.
Once you complete the authentication process, you’ll receive your Belgian IBAN within a few days. From that point, you can start making and receiving payments.
You’ll, by default, receive a free virtual card that can be added to your Apple or Google Wallet. A physical card is included only with the MAX plan. For all other plans (including the free plan), a physical card costs €7.50.
The biggest difference is ease of use: with Accountable Banking, you make payments from the same app where you track your income and expenses. This means no more switching between apps and less copying of data. On top of that, Spaces let you automatically set money aside for VAT and taxes, so your reserves grow alongside your income. And, of course, opening the account is completely free.
Author - Alexis Eggermont
Alexis is co-founder at Accountable. He is passionate about leveraging data, AI, technology, and entrepreneurship.
Who is Alexis ?Thank you for your feedback!
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