{"id":29244,"date":"2026-08-07T10:03:59","date_gmt":"2026-08-07T08:03:59","guid":{"rendered":"https:\/\/www.accountable.eu\/help-center\/everything-you-need-to-know-about-accountable-banking\/"},"modified":"2026-08-24T17:26:40","modified_gmt":"2026-08-24T15:26:40","slug":"everything-you-need-to-know-about-accountable-banking-2","status":"publish","type":"help_center","link":"https:\/\/www.accountable.eu\/en-be\/help-center\/everything-you-need-to-know-about-accountable-banking-2\/","title":{"rendered":"Everything you need to know about Accountable Banking for natural persons"},"content":{"rendered":"<h1 class=\"font-degular\" id=\"h_018b228fa8\"><b>What is Accountable Banking?<\/b><\/h1>\n<p class=\"no-margin font-inter\">Accountable Banking is a fully integrated <b>business account<\/b> for self-employed people, built right into the Accountable app. It makes it easy to manage your finances, make payments, receive transfers, and automatically match your income to your invoices and bookkeeping.<\/p>\n<p class=\"no-margin font-inter\">\n<p class=\"no-margin font-inter\">Accountable Banking offers all the services you&#8217;d expect from a traditional bank. We&#8217;re subject to the same strict regulations and standards as traditional banks, so you get a safe and reliable banking experience.<\/p>\n<p class=\"no-margin font-inter\">\n<p class=\"no-margin font-inter\"><b>What makes it unique:<\/b> everything happens on one platform, your account, your invoices, your bookkeeping. No switching back and forth between apps, no paperwork. Simple banking, exactly the way you need it as a self-employed person.<\/p>\n<p class=\"no-margin font-inter\">\n<h1 class=\"font-degular\" id=\"h_2a8c182070\"><b>Who can open a business account?<\/b><\/h1>\n<p class=\"no-margin font-inter\">Accountable Banking is designed specifically for self-employed people.<\/p>\n<p class=\"no-margin font-inter\">You can open a business account if you:<\/p>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Are self-employed<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Have an <b>active<\/b> business number for your self-employed activity (KBO\/CBE)<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Can show an active professional or freelance activity<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin font-inter\"><b>Looking to open an account for a company or legal entity instead?<\/b> Have a look at <a href=\"https:\/\/help.accountable.eu\/en\/articles\/16536927-everything-you-need-to-know-about-accountable-banking-for-legal-entities\" target=\"_blank\" class=\"intercom-content-link font-inter\">Everything you need to know about Accountable Banking for legal entities<\/a>.<\/p>\n<p class=\"no-margin font-inter\">\n<h1 class=\"font-degular\" id=\"h_cbc4132d2a\"><b>Opening an account \u2014 Here&#8217;s how it works<\/b><\/h1>\n<h1 class=\"font-degular\" id=\"h_01a3d85446\"><b>1. Verify your identity<\/b><\/h1>\n<p class=\"no-margin font-inter\">Before you can get started, you&#8217;ll need to officially verify your identity through video identification.<\/p>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Keep your valid ID card handy<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Verification happens through your smartphone or browser<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">It only takes a few minutes<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin font-inter\">\ud83d\udca1 Tip: Make sure you have good lighting and a stable internet connection so everything runs smoothly.<\/p>\n<p class=\"no-margin font-inter\">\n<h1 class=\"font-degular\" id=\"h_63698c66cb\"><b>2. Automatic verification (and documents if needed)<\/b><\/h1>\n<p class=\"no-margin font-inter\">After the identity check, your account is usually verified automatically <b>within 1 to 3 business days<\/b>.<\/p>\n<p class=\"no-margin font-inter\">In some cases, our banking partner Swan may ask for additional documents.<\/p>\n<p class=\"no-margin font-inter\">\ud83d\udc49 If that&#8217;s needed, you&#8217;ll get a clear email with instructions on which documents to upload.<\/p>\n<p class=\"no-margin font-inter\">\n<h1 class=\"font-degular\" id=\"h_6558a046e3\"><b>3. Start using your business account \ud83d\ude80<\/b><\/h1>\n<p class=\"no-margin font-inter\">Once everything is verified, your business account is officially active and ready to use.<\/p>\n<p class=\"no-margin font-inter\">\n<h1 class=\"font-degular\" id=\"h_a5bb00daf0\"><b>Which documents are needed?<\/b><\/h1>\n<p class=\"no-margin font-inter\">In most cases, <b>no additional documents<\/b> are needed after identity verification. If needed, Swan may ask for:<\/p>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Valid proof of identity<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Proof of address (e.g. a utility bill)<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">More information about your activity<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Proof of income<\/p>\n<\/li>\n<\/ul>\n<h1 class=\"font-degular\" id=\"h_0aba9527d8\"><b>How long does activation take?<\/b><\/h1>\n<p class=\"no-margin font-inter\">Your account is usually verified within 1 to 3 business days after the identity check and any requested documents.<\/p>\n<p class=\"no-margin font-inter\">In some cases it can take a bit longer, for example when:<\/p>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Documents are missing or incomplete<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">There are questions about your activity or identity<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">The identity verification needs to be redone<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin font-inter\">\ud83d\udca1 Tip: Double-check that all information is correct and clearly legible \u2014 this speeds up the process a lot.<\/p>\n<p class=\"no-margin font-inter\">If you haven&#8217;t heard back after 5 business days, get in touch with support.<\/p>\n<p class=\"no-margin font-inter\">\n<h1 class=\"font-degular\" id=\"h_746958ec4f\"><b>Who provides the account?<\/b><\/h1>\n<p class=\"no-margin font-inter\">The Accountable Banking business account is made available in partnership with our licensed banking partner <b>Swan<\/b>.<\/p>\n<p class=\"no-margin font-inter\">Swan is a payment institution licensed by the French banking supervisory authority (ACPR) to provide payment services.<\/p>\n<p class=\"no-margin font-inter\">The banking services are directly integrated into your Accountable account and provided by Swan. They&#8217;re subject to Swan&#8217;s terms and conditions, available on <a href=\"https:\/\/www.swan.io\/terms-of-use\" target=\"_blank\" class=\"intercom-content-link font-inter\">this page<\/a>.<\/p>\n<p class=\"no-margin font-inter\">\n<p class=\"no-margin font-inter\">\ud83d\udca1 Important: Your account is a genuine individual business account with its own Belgian IBAN, in your name, and secured in line with European banking guidelines.<\/p>\n<p class=\"no-margin font-inter\">\n<h1 class=\"font-degular\" id=\"h_c698e5b404\"><b>What can you do with the Accountable Banking business account?<\/b><\/h1>\n<p class=\"no-margin font-inter\"><b>Your own Belgian IBAN (BE-IBAN)<\/b><\/p>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Ideal for invoices, transfers to and from clients, and tax payments.<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin font-inter\"><b>Virtual &amp; physical Mastercard<\/b><\/p>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Secure payments online or in stores<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Works with Apple Pay &amp; Google Pay<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin font-inter\"><b>Free SEPA transfers<\/b><\/p>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Instant or standard<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin font-inter\"><b>Cash withdrawals<\/b><\/p>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">At any ATM with the Mastercard logo in the SEPA zone.<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin font-inter\"><b>Spaces (sub-accounts) (exclusive to the MAX plan)<\/b><\/p>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Up to 10 virtual sub-accounts with their own IBAN \u2014 ideal for reserves or specific projects.<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin font-inter\"><b>Automatic tax reserves<\/b><\/p>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Automatically set tax money aside in a separate account.<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin font-inter\"><b>Seamless integration with bookkeeping and tax<\/b><\/p>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Every payment can be directly categorized and linked to invoices.<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin font-inter\"><b>Support<\/b><\/p>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Fast and reliable help from our Accountable Banking team.<\/p>\n<\/li>\n<\/ul>\n<h1 class=\"font-degular\" id=\"h_bba64fed48\"><b>Questions?<\/b><\/h1>\n<p class=\"no-margin font-inter\">Stuck somewhere, or something not clear? Our support team is happy to help!<\/p>\n<p class=\"no-margin font-inter\"><b>Ready to go?<\/b> Then you&#8217;re all set \u2014 your Accountable Banking account is waiting for you! \u2728<\/p>\n<hr>\n<p class=\"no-margin font-inter\">Related articles<\/p>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Is my money safe with Accountable Banking?<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">How to pay your invoices with your Accountable Banking account \ud83d\udcb8<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Accountable Free Plan: what you can do in the mobile app<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Next steps once your Accountable Banking account is verified \u2705<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">International incoming transfers \u2014 how it works<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">I forgot my 6-digit Accountable Banking code. How do I reset it?<\/p>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Whether you&#8217;re just starting out or you&#8217;ve been self-employed for a while, this article gives you an overview of everything you need to know about Accountable Banking.<\/p>\n","protected":false},"featured_media":0,"template":"","help_label":[523,541],"class_list":["post-29244","help_center","type-help_center","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Everything you need to know about Accountable Banking for natural persons - Accountable<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.accountable.eu\/en-be\/help-center\/everything-you-need-to-know-about-accountable-banking-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Everything you need to know about Accountable Banking for natural persons - Accountable\" \/>\n<meta property=\"og:description\" content=\"Whether you&#039;re just starting out or you&#039;ve been self-employed for a while, this article gives you an overview of everything you need to know about Accountable Banking.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.accountable.eu\/en-be\/help-center\/everything-you-need-to-know-about-accountable-banking-2\/\" \/>\n<meta property=\"og:site_name\" content=\"Accountable\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-24T15:26:40+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/help-center\\\/everything-you-need-to-know-about-accountable-banking-2\\\/\",\"url\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/help-center\\\/everything-you-need-to-know-about-accountable-banking-2\\\/\",\"name\":\"Everything you need to know about Accountable Banking for natural persons - Accountable\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/#website\"},\"datePublished\":\"2026-08-07T08:03:59+00:00\",\"dateModified\":\"2026-08-24T15:26:40+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/help-center\\\/everything-you-need-to-know-about-accountable-banking-2\\\/#breadcrumb\"},\"inLanguage\":\"en-BE\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/help-center\\\/everything-you-need-to-know-about-accountable-banking-2\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/help-center\\\/everything-you-need-to-know-about-accountable-banking-2\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Help Center\",\"item\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/help-center\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Everything you need to know about Accountable Banking for natural persons\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/#website\",\"url\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/\",\"name\":\"Accountable\",\"description\":\"Your accountant and tax advisor on your smartphone\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-BE\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/#organization\",\"name\":\"Accountable\",\"url\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-BE\",\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.accountable.eu\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/logo-512.png\",\"contentUrl\":\"https:\\\/\\\/www.accountable.eu\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/logo-512.png\",\"width\":512,\"height\":512,\"caption\":\"Accountable\"},\"image\":{\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Everything you need to know about Accountable Banking for natural persons - Accountable","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.accountable.eu\/en-be\/help-center\/everything-you-need-to-know-about-accountable-banking-2\/","og_locale":"en_US","og_type":"article","og_title":"Everything you need to know about Accountable Banking for natural persons - Accountable","og_description":"Whether you're just starting out or you've been self-employed for a while, this article gives you an overview of everything you need to know about Accountable Banking.","og_url":"https:\/\/www.accountable.eu\/en-be\/help-center\/everything-you-need-to-know-about-accountable-banking-2\/","og_site_name":"Accountable","article_modified_time":"2026-08-24T15:26:40+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.accountable.eu\/en-be\/help-center\/everything-you-need-to-know-about-accountable-banking-2\/","url":"https:\/\/www.accountable.eu\/en-be\/help-center\/everything-you-need-to-know-about-accountable-banking-2\/","name":"Everything you need to know about Accountable Banking for natural persons - Accountable","isPartOf":{"@id":"https:\/\/www.accountable.eu\/en-be\/#website"},"datePublished":"2026-08-07T08:03:59+00:00","dateModified":"2026-08-24T15:26:40+00:00","breadcrumb":{"@id":"https:\/\/www.accountable.eu\/en-be\/help-center\/everything-you-need-to-know-about-accountable-banking-2\/#breadcrumb"},"inLanguage":"en-BE","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.accountable.eu\/en-be\/help-center\/everything-you-need-to-know-about-accountable-banking-2\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.accountable.eu\/en-be\/help-center\/everything-you-need-to-know-about-accountable-banking-2\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.accountable.eu\/en-be\/"},{"@type":"ListItem","position":2,"name":"Help Center","item":"https:\/\/www.accountable.eu\/en-be\/help-center\/"},{"@type":"ListItem","position":3,"name":"Everything you need to know about Accountable Banking for natural persons"}]},{"@type":"WebSite","@id":"https:\/\/www.accountable.eu\/en-be\/#website","url":"https:\/\/www.accountable.eu\/en-be\/","name":"Accountable","description":"Your accountant and tax advisor on your smartphone","publisher":{"@id":"https:\/\/www.accountable.eu\/en-be\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.accountable.eu\/en-be\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-BE"},{"@type":"Organization","@id":"https:\/\/www.accountable.eu\/en-be\/#organization","name":"Accountable","url":"https:\/\/www.accountable.eu\/en-be\/","logo":{"@type":"ImageObject","inLanguage":"en-BE","@id":"https:\/\/www.accountable.eu\/en-be\/#\/schema\/logo\/image\/","url":"https:\/\/www.accountable.eu\/wp-content\/uploads\/2026\/04\/logo-512.png","contentUrl":"https:\/\/www.accountable.eu\/wp-content\/uploads\/2026\/04\/logo-512.png","width":512,"height":512,"caption":"Accountable"},"image":{"@id":"https:\/\/www.accountable.eu\/en-be\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.accountable.eu\/en-be\/wp-json\/wp\/v2\/help_center\/29244","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.accountable.eu\/en-be\/wp-json\/wp\/v2\/help_center"}],"about":[{"href":"https:\/\/www.accountable.eu\/en-be\/wp-json\/wp\/v2\/types\/help_center"}],"version-history":[{"count":2,"href":"https:\/\/www.accountable.eu\/en-be\/wp-json\/wp\/v2\/help_center\/29244\/revisions"}],"predecessor-version":[{"id":30135,"href":"https:\/\/www.accountable.eu\/en-be\/wp-json\/wp\/v2\/help_center\/29244\/revisions\/30135"}],"wp:attachment":[{"href":"https:\/\/www.accountable.eu\/en-be\/wp-json\/wp\/v2\/media?parent=29244"}],"wp:term":[{"taxonomy":"help_label","embeddable":true,"href":"https:\/\/www.accountable.eu\/en-be\/wp-json\/wp\/v2\/help_label?post=29244"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}