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:
⚠️ You don’t receive a physical card by default. You can request a physical card in Settings > Bank Settings > Card Settings.
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 receive a free virtual card that can be added to your Apple or Google Wallet. You don't receive a physical card by default, but you can request one in 'card settings'. The physical card is free in 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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Read moreThey always answer right away to any question I have, they provide clear answers, and they are very patient even when I struggle to understand. They try to explain in different ways. They are very helpful, responsive and friendly.
Chiara Marradi
01/05/2026
Everything was great! All my questions were answered quickly and in a friendly manner.
Wenzeslawa Wegener
04/05/2026
In the world where everyone seems to be out to get small entrepreneurs and overwhelm them with new rules, more taxes and reporting obligations, Accountable often feels like the one steady partner that actually wants you to succeed, providing quick, clear and personalised support. Thank you!
Janina Arsenjeva
10/04/2026
This is an amazing application with great support on issues. In short as in day I am addicted to it (in a positive way). I myself is from IT project management and the way they have captured the user requirement, it’s phenomenal.
Sumit Tewary
01/12/2024
UI is great. Feature packed and very easy to use. The team at Accountable were VERY quick to respond and their team of technicians soon had a fix in place. Very happy with the level of service so far. Thumbs up from me!
Dean Osborne
14/06/2023
This program is a lifesaver, and it is always improving. Plus, it has an AI chat feature that is actually useful.
Jeffrey Humble
14/01/2026
The coaching session on tax management was excellent, good material, excellent explanations and very insightful. Combined with the AI I never feel alone with Accountable.
Sergio Barbarino
23/04/2026
The availability of your team to help and guide people to understand their finances better is what really makes Accountable valuable. While the AI is able to give answers to most basic questions, specific scenarios need counsel from a human which your team performs beautifully.
Sofiya Bogdan Neves
18/04/2026
Fast and careful answers from Alina. Top service. Thank you.
Anonymous
15/04/2023
They always answer for questions wherever is via direct e-mail or through app. If they can’t answer fully they will forward you to the right place. Documents were always prepared well and ready to send further to government. Everything is intuitive in the app and easy to sort out even for someone completely green in this field.
Anonymous
22/03/2026
