OCTIS vs bunq vs Qonto for a Dutch business account
Monthly plans, what is included, who can open an account and which accounting tools connect.
Last checked · 3 sources
Otty's short answer
Both offer a free entry plan and paid tiers. bunq Business is free for sole proprietors and then €7.99, €13.99 or €23.99 per month, with up to 25 accounts, each with its own IBAN. Qonto starts at €0 for freelancers and adds transfer allowances (5 to 200 per month) and team plans from €40. Pick bunq for many accounts, Qonto for Exact or AFAS links.
Side by side
Swipe to see every column
| What matters | OCTISHong Kong company + OCTIS global plan | bunq | Qonto |
|---|---|---|---|
| Free plan | Set by our licensed partner; quoted before you commit | Free Business (sole proprietors) | Starter €0 |
| Paid plans per month | 10–30% below your current bill | €7.99 / €13.99 / €23.99 | €7 / €15 / €25 solo, €40 to €160 team |
| Transfers included | Collecting and sending payments via licensed partners | Not stated on page | 5 / 30 / 100 / 200 per month |
| Extra accounts | International multi-currency business account via licensed partners | Up to 25, own IBAN each | 1 sub-account on Smart, 4 on Premium |
| Cards | Corporate card via licensed partners | Debit, credit, company cards | 1 virtual on Starter, up to 2 physical + 50 virtual |
| Interest on balance | Not an OCTIS product | Not stated on page | Smart: 5% for 2 months, then 1.5% |
| Who can open | Hong Kong company, run from anywhere | Sole proprietors, freelancers, SMEs | NL-registered, zzp and BV |
| Accounting integrations | Bookkeeping by OCTIS; CRM and workflow built in | 50+ tools | Exact, AFAS, Stripe, 50+ apps |
| Deposit protection | Not an OCTIS product | Dutch scheme, €100,000 | Not stated on page |
| Accountant access | Bookkeeping and filings done by OCTIS | Not stated on page | From Smart |
If you have staff, premises or local sales in this country, its own registration and tax rules still apply. OCTIS can help you arrange them.
Data sources & disclaimer: Comparison data was compiled from publicly available sources — including the competitors' own published pricing and feature pages — captured on 9 November 2026. Figures reflect the typical or advertised pricing at that time and may have changed since; plans, inclusions and prices vary by provider, region and promotion. OCTIS is independent and not affiliated with the named companies; all trademarks belong to their respective owners. This comparison is provided in good faith for general information only and is not professional, legal or financial advice — please verify current details with each provider before deciding.
Which one fits you
OCTIS · Hong Kong company + OCTIS global plan
Choose OCTIS if you trade across borders and want a multi-currency account next to your accounts and CRM.
bunq
Choose bunq if you want many separate accounts (up to 25, each with its own IBAN), a free sole-proprietor plan and a wide set of accounting links.
Qonto
Choose Qonto if you want fixed transfer allowances, team plans, interest on a Smart or higher balance, or you use Exact or AFAS.
What the table does not show
How each prices its plans
bunq sells four business tiers: Free (for sole proprietors), Core €7.99, Pro €13.99 and Elite €23.99 per month. Its page does not state transaction fees. Qonto splits its range into freelancer plans (Starter €0, Basic €7, Smart €15, Premium €25) and team plans (Essential €40, Business €80, Enterprise €160), with monthly transfers capped from 5 to 10,000. Monthly prices are shown excluding VAT on Qonto's page.
Who can open an account
bunq names sole proprietors for its free plan and also has pages for freelancers and SMEs, but its page does not name a BV. Qonto says it is open to businesses registered in the Netherlands, and its Starter description mentions zzp and BV. It does not name eenmanszaak or vof explicitly. If your legal form is unusual, ask each provider before you apply.
Interest, ING and Rabobank
Qonto lists interest from Smart: 5% for 2 months, then 1.5% up to a €50,000 balance, with at least 5 eligible transactions per month. We could not open the ING and Rabobank pricing pages on the day of checking, so we do not quote their fees. Check them directly, since both are well-known in the Netherlands and are often compared with bunq.
Where OCTIS fits
OCTIS is not a bank and does not open accounts in the Netherlands. If your Malaysian or Hong Kong company sets up a Dutch BV, whichever account you open, the books still need doing. OCTIS bookkeeping can reconcile the home company's statements and take the Dutch entity into the group view, and a quote can show 10–30% off your current bill.
Frequently asked questions
Is bunq or Qonto better for a BV in the Netherlands?
Qonto names zzp and BV on its Netherlands page. bunq's page names sole proprietors, freelancers and SMEs but not a BV. Both are worth asking directly. Choose by the features you use most, such as many accounts at bunq or transfer allowances and Exact or AFAS links at Qonto.
What does a bunq business account cost?
bunq lists Free Business for sole proprietors, then Core Business at €7.99, Pro Business at €13.99 and Elite Business at €23.99 per month. The page does not say which plan includes the 25-account limit, and it does not list transaction fees.
Does a Dutch BV need a separate business bank account?
KVK notes you need a business bank account with at least €0.01 when you set up a BV. Keeping company money apart from private money also keeps the books clean, so open the account early and tell your accountant which tool you use.
Does Qonto work with Moneybird or e-Boekhouden?
Qonto's Netherlands page names Exact, AFAS, Stripe and 50+ other apps. It does not name Moneybird or e-Boekhouden. bunq says it syncs with 50+ accounting and bookkeeping tools. Check the exact tool in each app's integration list before you switch.
Sources
Checked on the date above. Links open the provider's or regulator's own page.