Choosing a business bank account: comparison 2026
A business bank account is essential for your bookkeeping. We compare the best business accounts of 2026 on costs, functionality and integrations.
Why a business bank account?
A business bank account is a bank account in the name of your company, separate from your personal account. Although a business account is not legally required for sole traders, it is strongly recommended. You separate business and private transactions, which makes your bookkeeping more transparent and much simpler in the event of a tax audit. In addition, accounting software like Giroo connects directly to your business account, so transactions are automatically imported and posted. When choosing, look at monthly costs, transaction costs, availability of PSD2 bank connections and features such as iDEAL and SEPA direct debit. Most Dutch banks (ABN AMRO, ING, Rabobank, Bunq, Knab) offer business packages from € 0 to € 25 per month.
What to look for?
Costs
- Monthly costs (€ 0 – € 25+ per month)
- Costs per transaction
- Costs for cash deposits
- Costs for a debit or credit card
Functionality
- PSD2 bank connection — essential for automatic import into your bookkeeping
- iDEAL payments — for webshops and online payments
- SEPA direct debit — for automatically collecting invoice payments
- Multiple users — useful when working together
Integrations
Check whether the bank has a direct connection with your accounting software. Giroo supports direct bank connections so transactions are imported automatically.
Tips for choosing
- Start simple — as a starter you don't need a premium package
- Watch for hidden costs — some banks charge per transaction
- Check the bank connection — automatic import saves hours per month
- Consider a fintech — often cheaper and faster than traditional banks
- Consider growth — choose a bank that grows with your business
Also read our article on bookkeeping for beginners and see Giroo's online accounting software.