Intercompany Solutions: Dutch BV Formation with Complete Account Setup

Bunq is a digital banking platform built on simplicity and speed for business owners. For a Dutch BV, bunq operates entirely online with no video call or branch visit required, and the approval process is fast for non-resident founders. Bunq holds a balance-holding license from the Dutch financial regulator, which means your Dutch IBAN is fully valid for all business purposes including VAT and payroll. Intercompany Solutions forms your BV and delivers the KVK registration and company details your bank will request. You arrange the bunq account directly with bunq through their app.

Bunq Business Account Tiers and Monthly Pricing

For a Dutch BV, bunq offers three business plans as of August 2026. The Core Business plan costs seven euros ninety nine per month, the Pro Business plan is thirteen euros ninety nine per month, and the Elite Business plan is twenty three euros ninety nine per month. Each tier includes different card limits, additional user seats, and payment processing features. Choosing the right tier depends on your expected transaction volume, number of team members and whether you plan to process payments or collect bills through bunq's API.

The Core plan is bunq's entry-level option and includes basic business banking: a main card, one debit card, standard transaction limits and access to bunq's mobile app and web dashboard. A sole proprietor or small team with occasional payments operates on Core without additional features needed. The Pro plan adds higher transaction limits, two additional user seats and enhanced payment processing. Elite is bunq's premium tier, designed for larger operations with frequent payments, higher turnover and multiple team members. For a complete overview of all banking cost options and total ownership calculations, see our guide to Dutch BV banking costs.

First-Year Budget Breakdown by Tier

To annualize bunq's monthly costs, multiply each tier's monthly fee by twelve months. The Core plan costs seven euros ninety nine times twelve, which equals ninety five euros eighty eight per year. The Pro plan at thirteen euros ninety nine per month costs one hundred sixty seven euros eighty eight per year. The Elite plan at twenty three euros ninety nine per month costs two hundred eighty seven euros eighty eight per year. These are your pure platform costs; they do not include payment processing fees, card replacement or international transfer charges, which bunq bills separately.

When budgeting your first-year costs, add bunq's fees to your company formation cost (two thousand two hundred euros with Intercompany Solutions), your registered address cost (between sixty and one hundred fifty euros per month), and your accounting or tax filing fees. For most foreign founders, the annual bunq subscription is a small fraction of the total cost of operating a Dutch company. Bunq's features are designed to match most startup and small business workflows, with quick setup and straightforward fee structures.

Bunq Business Banking Services and Capabilities

Bunq provides a Dutch IBAN (bank account number), card management, payment sending, invoice tracking, and team collaboration tools. Your Dutch IBAN is fully valid with all Dutch vendors and government agencies, so you can handle VAT payments, payroll, and business expenses through bunq from day one. Intercompany Solutions verifies your company registration and VAT details are correct, which bunq confirms during onboarding.

Bunq's focus is everyday business banking and payments. If you later need additional services like business loans or specialized investment banking, you can integrate bunq with other providers or migrate your account. Bunq makes account migration simple: you can request a bank transfer code and move your account to another bank anytime without losing your IBAN or transaction history.

Opening a Bunq Account as a Foreign Founder

Bunq's signup process for a Dutch BV is straightforward. You need your KVK registration (Chamber of Commerce extract), your articles of association, identification for all directors and shareholders, and proof of source of funds. Bunq also requests a business plan or expected turnover and source of capital information, like other banks. The onboarding is done entirely through bunq's app; you upload documents, pass identity verification and receive your IBAN within hours or a few days. Once a bank is satisfied with the due diligence and your application is complete, you might be able to process funds in as little as forty eight hours.

Bunq is designed for remote applicants and does not require a Dutch address or phone number, which makes it accessible to non-resident founders everywhere. Bunq conducts standard due diligence and may request clarifications about your business or source of funds. If you are coming from a jurisdiction with higher regulatory scrutiny or have an unusual corporate structure, Bunq's compliance team may take additional time to review your application before approval.

Bunq Features That Matter for Dutch BVs

Bunq is built specifically for Dutch and European businesses, with full compliance with Dutch and EU payment regulations. The platform integrates directly with Dutch tax systems, supports SEPA payments to all EU accounts, and processes VAT and payroll in euros. Bunq's remote onboarding is designed for founders outside the Netherlands, making it the fastest path to a full Dutch IBAN without visiting a bank branch. For foreign founders setting up a Dutch BV, bunq's transparent pricing and tier system mean you can start with Core and upgrade only when your business needs it.

Bunq Fees Beyond the Monthly Subscription

Bunq's monthly subscription covers the account and core features. Additional costs apply for some services: card replacement, international payments, and credit card payment processing each carry their own fees. If you plan to accept credit card payments, bunq charges a percentage fee per transaction. Your registered address is a separate cost line in your budget. Registered address services range between sixty and one hundred fifty euros per month depending on the provider and location.

VAT and accounting are also separate from your bunq account. Once your company is active, you must file VAT returns and annual accounts. Intercompany Solutions can handle your accounting and VAT as an ongoing service, which is an additional cost to factor into your annual budget. Bunq handles payments; Intercompany Solutions handles compliance and accounting.

Practical First-Year Budget Example

Cost Category	Core Plan	Pro Plan	Elite Plan
Bunq monthly fee, annualized	Ninety five euros eighty eight	One hundred sixty seven euros eighty eight	Two hundred eighty seven euros eighty eight
Registered address (lower estimate)	Seven hundred twenty euros	Seven hundred twenty euros	Seven hundred twenty euros
Company formation (Intercompany Solutions)	Two thousand two hundred euros	Two thousand two hundred euros	Two thousand two hundred euros
Basic accounting support (estimated)	Five hundred euros	Five hundred euros	Five hundred euros
Total first year (rough estimate)	Three thousand five hundred euros	Three thousand five hundred euros	Three thousand six hundred euros

Choosing Your Bunq Tier for Year One

Start with the Core plan if you are a solo founder with low transaction volume and no team. The difference between Core and Pro is six euros per month, which buys you higher card limits and two additional user seats. If you plan to hire in year one, Pro is the right choice from the start. Elite is designed for high-volume payment operations or founders who need API access for custom integrations.

Bunq gives you the flexibility to upgrade or downgrade your tier at any time without penalty. If you start on Core and find you need Pro, you can switch mid-month and bunq will prorate the fee. This means you can start lean and scale up as your business grows. For non-resident founders, bunq's remote-friendly onboarding, transparent pricing, and clear eligibility requirements make it the fastest path to a full Dutch IBAN. Confirm with your business partners and any future lenders that a digital bank meets their requirements before you commit long-term.