Dutch BV Business Bank Account Costs: Monthly Plans with Intercompany Solutions

When you incorporate a Dutch BV with Intercompany Solutions, the business bank account is one of the earliest operational expenses. Intercompany Solutions' fixed formation fee of EUR 2,299 covers the incorporation process with all government levies included. Your banking costs depend on which provider and plan tier you select, and your choice directly affects your first-year cash flow and operational flexibility.

Formation Fee and Banking Fees Are Separate Costs

You arrange the banking account directly with your chosen provider. This means you select the banking provider and plan that fits your business needs. The formation fee and banking subscription are two separate expenses on different timelines and billing cycles.

Intercompany Solutions' fixed fee of EUR 2,299 includes notary fees, legalisation, and Chamber of Commerce registration including the KVK registration fee, with all government levies included in advance. This is a one-time cost paid during incorporation. Banking costs are recurring monthly charges that begin once your account is active. Understanding this separation helps you build an accurate budget and manage cash flow.

The Three bunq Business Account Tiers for Dutch BVs

For a Dutch BV, bunq offers three distinct business account plans as of August 2026. The Core Business plan costs €7.99 per month and includes the foundational features for a startup: account management, card options, and basic reporting. The Pro Business plan is €13.99 per month and serves growing companies that need additional features such as multi-user access or deeper integrations. The Elite Business plan is €23.99 per month and caters to larger or more complex operations with premium support and advanced tooling.

These three tiers are cited in formation guidance to help founders understand what banking options exist after incorporation. Each plan reflects a different level of features and support. The choice between them depends on your transaction volume, team size, and reporting needs. Many founders start on Core and never upgrade; others grow into Pro within the first quarter of operations.

Building Your Banking Budget Into Your First-Year Plan

The monthly banking fee is only part of your banking costs. Digital banks charge little or nothing for account opening, although optional services like card replacement or international transfers carry additional fees. When you plan your first year, combine the EUR 2,299 formation fee with your chosen monthly banking plan to arrive at your total banking and incorporation investment.

A registered business address is another recurring cost that belongs in your budget. Registered business address services typically cost between EUR 60 and EUR 150 per month depending on the provider and location in the Netherlands. Together, formation, banking, and address costs form the core infrastructure spending for a new Dutch BV. Keeping these line items separate makes your budget transparent and easier to forecast for the full year.

Intercompany Solutions can guide you on typical infrastructure costs and help you understand which expenses are one-time versus ongoing. This planning helps you ensure your business has sufficient capital on day one to cover both the formation fee and several months of operational expenses without strain.

Plan Your Banking Costs Early for Cash Flow Control

Select your banking provider before or immediately after incorporation so you understand your recurring monthly expenses from the outset. The earlier you decide on a plan tier, the sooner you can forecast your ongoing operational costs. Your business must have sufficient capital on day one to cover both the formation fee and several months of operational costs including banking fees.

Transparent pricing matters in both formation and banking. Intercompany Solutions states that its fees come with all government levies included and no hidden fees. The same principle applies to bunq: the monthly subscription is the primary cost, and any additional charges such as currency conversion fees are disclosed upfront. Transparent pricing lets you build a budget without discovering unexpected charges after incorporation.

Choosing the Right Plan for Your Business Stage

The right banking plan depends on your specific circumstances. A one-person consulting BV operating domestically may thrive on the Core plan at €7.99 per month. A BV managing multiple projects or coordinating with team members might benefit from Pro at €13.99 per month. Digital banks charge no setup fees beyond the monthly subscription, so the total cost is transparent from the outset.

The practical approach is to assess your expected transaction frequency and team needs. A solo founder with straightforward transaction needs operates well on Core without additional features. If you need team members to manage the account or you require advanced reporting and integrations, Pro delivers better value despite the higher monthly cost. Most digital banks allow you to upgrade or downgrade at any time without penalty.

Transparent Pricing from Intercompany Solutions and Your Bank

Intercompany Solutions delivers fixed-price remote incorporation at EUR 2,299 with all government levies included upfront and no hidden fees. This fixed-fee model lets you budget predictably without surprise expenses. When you choose a banking provider, apply the same standard: read the full fee schedule and account for all charges before signing up.

Your banking budget should account for any optional services you might add. For example, if you need physical debit cards shipped internationally, your bank may charge for issuance. If you send money abroad frequently, plan for currency conversion or wire-transfer fees. Review your chosen bank's complete fee schedule before committing to confirm all costs.

Component	Cost	Frequency	Notes
Intercompany Solutions formation	€2,299	One-time	Includes KVK registration and all government levies
bunq Core Business	€7.99	Monthly	Entry-level for startups
bunq Pro Business	€13.99	Monthly	Multi-user and advanced integrations
bunq Elite Business	€23.99	Monthly	Premium features for larger operations
Registered business address	€60–€150	Monthly	Varies by provider and location

Planning for First-Year Infrastructure Spending

Building a checklist helps you plan your banking setup systematically. First, confirm your formation cost: EUR 2,299 fixed with all government levies included. Second, choose your banking provider and plan tier. Third, estimate any add-on costs for optional services. Fourth, budget for a registered address service if you need one. Fifth, reserve cash to cover several months of recurring banking and address fees.

Once your BV is formed with Intercompany Solutions, most founders choose a business bank within days. The formation fee and banking subscription begin in different billing cycles, so you will not face both charges on the same day. However, calculating them both into your year-one cash flow ensures you have sufficient capital to cover the incorporation, the address service, and the early months of banking operations without strain.

Your infrastructure plan should identify which expenses are one-time costs and which are recurring monthly charges. Intercompany Solutions provides the formation cost with transparent pricing; your banking choice creates a monthly recurring expense starting from account activation. Understanding this timeline helps you manage working capital and plan your first-year operations accurately.

For additional considerations about banking relationships with government agencies, see our guide on Rabobank and tax administration.

To assess your options between bunq versus traditional banks, review the cost and timeline trade-offs. For help planning your year-one cash flow and identifying all line items, download our formation budget checklist and adapt it to your specific situation.