{"id":30844,"date":"2026-08-20T12:43:58","date_gmt":"2026-08-20T10:43:58","guid":{"rendered":"https:\/\/www.accountable.eu\/help-center\/everything-you-need-to-know-about-accountable-banking\/"},"modified":"2026-08-24T17:27:38","modified_gmt":"2026-08-24T15:27:38","slug":"everything-you-need-to-know-about-accountable-banking","status":"publish","type":"help_center","link":"https:\/\/www.accountable.eu\/en-be\/help-center\/everything-you-need-to-know-about-accountable-banking\/","title":{"rendered":"Everything you need to know about Accountable Banking!"},"content":{"rendered":"<p class=\"no-margin font-inter\">Whether you are just starting out or have been self-employed for some time, this article provides an overview of everything you need to know about accountable banking:<br \/>\u200b<\/p>\n<h1 class=\"font-degular\" id=\"h_3d3e272ad0\">What is Accountable Banking?<\/h1>\n<h2 class=\"font-degular\" id=\"h_cb5d79f47f\">Brief explanation: What exactly is accountable banking?<\/h2>\n<p class=\"no-margin font-inter\">Accountable Banking is a fully integrated business account for self-employed individuals, directly in the Accountable app. It allows you to easily manage your finances, make payments, receive transfers, and automatically reconcile your income with your invoices and accounting.<\/p>\n<p class=\"no-margin font-inter\">\n<p class=\"no-margin font-inter\">Accountable Banking offers all the services you would expect from a traditional bank. We are subject to the same strict regulations and standards as traditional banks to guarantee you a secure and reliable banking experience.<\/p>\n<p class=\"no-margin font-inter\">\n<p class=\"no-margin font-inter\">What makes it special: Everything runs on a single platform, your account, your receipts, your accounting. No switching back and forth between tools, no paperwork. Simple banking, just as you need it as a self-employed person.<\/p>\n<p class=\"no-margin font-inter\">\n<h2 class=\"font-degular\" id=\"h_c38f4800ac\">Who can open a professional bank account? <\/h2>\n<p class=\"no-margin font-inter\">Accountable Banking is designed specifically for people who are self-employed.<\/p>\n<p class=\"no-margin font-inter\">\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, including freelancers, founders, and sole proprietors<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">have a tax ID number from the tax office for your self-employed activity<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">can prove that you have an active business or freelance activity<\/p>\n<\/li>\n<\/ul>\n<h1 class=\"font-degular\" id=\"h_5b5f6be1e9\">Opening an account \u2013 Here&#8217;s how:<\/h1>\n<h2 class=\"font-degular\" id=\"h_6beeefbd88\">Step-by-step guide to opening an account:<\/h2>\n<ol>\n<li class=\"font-inter\">\n<h3 class=\"font-degular\" id=\"h_eb489046d1\">Verify your identity<\/h3>\n<p class=\"no-margin font-inter\">Before you can get started, you need to officially verify your identity, which is easy to do via video identification.<\/p>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Have your valid ID card or passport ready<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Verification is done via your smartphone or browser<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Only takes a few minutes<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin font-inter\">\n<p class=\"no-margin font-inter\">\ud83d\udca1Tip: Make sure you have good lighting and a stable internet connection to ensure everything goes smoothly!<\/p>\n<p class=\"no-margin font-inter\">\n<\/li>\n<li class=\"font-inter\">\n<h3 class=\"font-degular\" id=\"h_8193ea8342\">Upload the required documents and have them checked by our banking partner Swan<\/h3>\n<p class=\"no-margin font-inter\">Now all you need are a few documents. Depending on whether you are self-employed or a business, different documents are required.<\/p>\n<p class=\"no-margin font-inter\">\n<p class=\"no-margin font-inter\">Don&#8217;t worry, we&#8217;ll tell you exactly what&#8217;s missing and where to upload it.<\/p>\n<p class=\"no-margin font-inter\">\n<\/li>\n<li class=\"font-inter\">\n<h3 class=\"font-degular\" id=\"h_bed67f4013\">Make your first transfer<\/h3>\n<p class=\"no-margin font-inter\">Almost done!<\/p>\n<p class=\"no-margin font-inter\">\n<p class=\"no-margin font-inter\">Now make your first transfer to your new account, e.g., from your personal account or another business account in your name.<\/p>\n<p class=\"no-margin font-inter\">\n<p class=\"no-margin font-inter\">Why is this important?<\/p>\n<p class=\"no-margin font-inter\">This activates the account and lets us know that you are who you say you are.<\/p>\n<p class=\"no-margin font-inter\">\n<\/li>\n<li class=\"font-inter\">\n<h3 class=\"font-degular\" id=\"h_2c2ee3fca1\">Use your Accountable Banking account \ud83d\ude80<\/h3>\n<p class=\"no-margin font-inter\">Once everything has been verified, your account is officially active!<\/p>\n<\/li>\n<\/ol>\n<h2 class=\"font-degular\" id=\"h_5127e8fd76\">Which documents are required?<\/h2>\n<p class=\"no-margin font-inter\">Different documents are required as proof, depending on whether you are self-employed or a freelancer and what type of business you have!<\/p>\n<p class=\"no-margin font-inter\">\n<p class=\"no-margin font-inter\">1. Valid ID document<\/p>\n<p class=\"no-margin font-inter\">2. Tax number for your self-employment<\/p>\n<p class=\"no-margin font-inter\">3. Proof of your registration (letter from the tax office (not older than 3 months) or your business registration)<\/p>\n<p class=\"no-margin font-inter\">4. Proof of address (utility bill)<\/p>\n<p class=\"no-margin font-inter\">5. Possibly a partnership agreement or articles of association (for GbR &#8211; company form)<\/p>\n<p class=\"no-margin font-inter\">\n<h2 class=\"font-degular\" id=\"h_9f67e2881e\">How long does it take to activate?<\/h2>\n<p class=\"no-margin font-inter\">Your account will usually be activated within 3 to 5 business days after you have uploaded all the necessary documents and completed the identity verification process.<\/p>\n<p class=\"no-margin font-inter\">\n<p class=\"no-margin font-inter\">The processing is carried out by our banking partner Swan. In some cases, it may take a little longer, for example if:<\/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 occupation or identity<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">The identity verification process needs to be repeated<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin font-inter\">\ud83d\udca1Tip: Make sure that all information is correct and legible, as this will significantly speed up the activation process!<\/p>\n<p class=\"no-margin font-inter\">\n<p class=\"no-margin font-inter\">If you have not received any feedback after 5 business days, please contact support and we will look into it for you.<\/p>\n<p class=\"no-margin font-inter\">\n<h1 class=\"font-degular\" id=\"h_2c8d04874f\">How does the business account work?<\/h1>\n<h3 class=\"font-degular\" id=\"h_868b928f42\">Who provides the account?<\/h3>\n<p class=\"no-margin font-inter\">The Accountable Banking business account is provided by our licensed banking partner Swan.<\/p>\n<p class=\"no-margin font-inter\">\n<p class=\"no-margin font-inter\">Swan is an authorized payment institution licensed by the French Banking Supervisory Authority (ACPR) to offer payment services.<\/p>\n<p class=\"no-margin font-inter\">\n<p class=\"no-margin font-inter\">The banking services are integrated directly into your account and are provided by Swan. They are subject to Swan&#8217;s terms of use, which you can find on <a href=\"https:\/\/de.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\udca1Important: Your account is a real, individual business account with its own IBAN, held in your name and secured in accordance with European banking guidelines.<\/p>\n<p class=\"no-margin font-inter\">\n<h2 class=\"font-degular\" id=\"h_d440be3c2d\">What can you do with the Accountable Banking business account?<\/h2>\n<p class=\"no-margin font-inter\"><b>Your own German IBAN<\/b><\/p>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Your business account comes with a DE-IBAN \u2013 ideal for invoices, customer transfers, 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\">Apple Pay &amp; Google Pay compatible<\/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\">Real-time 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 all ATMs with the Mastercard logo within the SEPA zone.<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin font-inter\"><b>Spaces (sub-accounts) (MAX subscription only)<\/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 \u2013 ideal for separating reserves or projects.<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin font-inter\"><b>Automatically set aside tax reserves<\/b><\/p>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Automatically set aside taxes in a separate tax reserve account<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin font-inter\"><b>Seamlessly linked to accounting &amp; tax<\/b><\/p>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Each payment can be categorized directly and linked to receipts <\/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<h2 class=\"font-degular\" id=\"h_29ca89d02e\">Any questions?<\/h2>\n<p class=\"no-margin font-inter\">If you get stuck or something is unclear, our support team is happy to help!<\/p>\n<p class=\"no-margin font-inter\">\n<p class=\"no-margin font-inter\"><b>Ready?<\/b><\/p>\n<p class=\"no-margin font-inter\">Then let&#8217;s go \u2013 your Accountable Banking business account is waiting for you! \u2728<\/p>\n<p class=\"no-margin font-inter\">\n<p class=\"no-margin font-inter\">\n","protected":false},"excerpt":{"rendered":"<p>Whether you are just starting out or have been self-employed for some time, this article provides an overview of everything you need to know about accountable banking:\u200b What is Accountable Banking? Brief explanation: What exactly is accountable banking? Accountable Banking is a fully integrated business account for self-employed individuals, directly in the Accountable app. It [&hellip;]<\/p>\n","protected":false},"featured_media":0,"template":"","help_label":[523,541],"class_list":["post-30844","help_center","type-help_center","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Everything you need to know about Accountable Banking! - 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\/\" \/>\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! - Accountable\" \/>\n<meta property=\"og:description\" content=\"Whether you are just starting out or have been self-employed for some time, this article provides an overview of everything you need to know about accountable banking:\u200b What is Accountable Banking? 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