Knab
6.2/10Dutch online bank for self-employed people and small BVs, offering business accounts, VAT saving and an optional built-in bookkeeping package.
Data last updated November 2026 · Our methodology
Overview
Knab is a Dutch online-only bank that launched in 2012 and focuses on zzp'ers (freelancers) and small companies. It is now a Dutch branch of Austria's BAWAG Group. For businesses it offers a business current account, a BV account, savings products including a dedicated VAT savings account, insurance aimed at freelancers, and its own bookkeeping software, the Knab Boekhoudpakket. The account costs 7 euros a month for a sole proprietorship and 11 euros a month per BV. That includes 500 SEPA transactions a year, and each extra transaction costs 0.10 euros. New customers are currently offered 12 months without package fees. The bookkeeping package costs 16 euros a month excluding VAT, with the first month free. It covers unlimited invoices and quotes, iDEAL payment links, recurring invoices, payment reminders, receipt scanning, time and mileage tracking, VAT returns, income tax and year-end closing, plus free access for an accountant. If you prefer other software, a bank feed to Twinfield, Exact and other packages costs 1.50 euros a month. Knab suits Dutch freelancers who want their banking and bookkeeping in one place. Its main limitation is who can sign up: only sole proprietorships and single-shareholder BVs (at most a holding plus one operating BV) can open an account. Partnerships, BVs with several directors and foreign businesses are excluded. The bookkeeping package also requires a Knab business account and covers only one business per subscription.
Our Rating
Who Knab is best for
Best software for FreelancersGood fit
Knab is built for Dutch zzp'ers, with VAT saving, freelancer insurance and a bookkeeping package aimed at starters.
Less suited
It works for sole proprietorships and single-shareholder BVs but excludes partnerships and multi-director companies.
Its eligibility rules and feature set rule out larger organisations.
Pros & Cons
Pros
- The account is low cost at 7 euros a month for sole proprietors, and a 12-month fee-free promotion is currently running.
- The bookkeeping package includes unlimited invoices, iDEAL payment links and VAT returns for 16 euros a month.
- Outside accountants can be given access to the bookkeeping package at no extra charge.
- Trustpilot reviewers praise the VAT savings account and the automatic splitting of money for tax.
- A cheap bank feed (1.50 euros a month) connects the account to Twinfield, Exact and other packages.
Cons
- Only sole proprietorships and single-shareholder BVs can open an account, so partnerships are excluded.
- The bookkeeping package requires a Knab business account and covers only one business per subscription.
- Some Trustpilot reviews complain of slow account opening, repeated ID checks and hard-to-reach phone support.
- Transfers within the EEA cost 15 euros each, which is expensive for international work.
- There is no cash deposit option, since Knab has no branches.
Key Features
Not included
- Multi-entity Consolidation
Knab Pricing
Zakelijke rekening (eenmanszaak)
or €84/year
- 500 SEPA transactions per year included
- Business current account for sole proprietors
- Promotion: first 12 months without package fees
Zakelijke rekening BV
or €132/year
- Priced per BV
- 500 SEPA transactions per year included
- Single-shareholder BV, or a holding plus one operating BV
Knab Boekhoudpakket
or €192/year
- First month free
- Price excludes VAT
- iDEAL payment links
- Free accountant access
- VAT return and income tax
- One business per subscription
- Unlimited invoices and quotes
- Requires a Knab business account
Frequently Asked Questions
The bookkeeping package is free for the first month. The business account is currently offered without package fees for the first 12 months.
Sole proprietorships, and BVs with one director holding all shares, can open an account. A holding plus one operating BV is also accepted. Partnerships and multi-director BVs are not.
Yes. The Boekhoudkoppeling sends bank transactions to packages such as Twinfield and Exact for 1.50 euros a month per package.
Yes. An accountant can be added to the Knab Boekhoudpakket for free.
BAWAG Group completed its takeover in November 2024. Knab now operates as a Dutch branch of BAWAG.
According to Onderneming.nl, support for the bookkeeping package is available Monday to Friday from 09:00 to 17:30.
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Ranked near Knab in Finance Software
See Knab in the listKnab is #143 in Finance Software by our score.
