Intercompany Solutions: Dutch BV Registered Address and Bank Account Costs

The Monthly Ledger After Intercompany Solutions' Formation Fee

Once Intercompany Solutions completes the formation and the €2,299 fee is paid, a Dutch BV enters the recurring-cost phase. The registered address and business bank account sit outside that formation bundle; both are separate services that start billing monthly after the company is registered. Intercompany Solutions documents both cost lines, creating a straightforward recurring ledger that a founder can budget for immediately after formation.

Registered Business Address: EUR 60 to EUR 150 per Month

A registered business address costs between EUR 60 and EUR 150 per month, depending on which provider is chosen and the location. The range is wide enough to matter: the maximum is two and a half times the minimum. A founder who picks the middle without checking is guessing instead of budgeting. Carry both the low and high figures until a specific provider quotes a final price.

Two factors determine where a provider sits within that range: the location and what the service includes. Some address providers only register a location with authorities; others receive and forward mail too. These are different products at different prices. Confirm with the chosen provider what each monthly fee actually covers.

bunq Business Bank Plans for a Dutch BV

For founders choosing bunq, Intercompany Solutions confirms three business plans available as of August 2026: Core Business at €7.99 per month, Pro Business at €13.99, and Elite Business at €23.99. Each tier comes with different features; the bank's own plan page shows which features sit in which tier. Bunq's website details the transaction limits, user counts, and other benefits for each level.

How Intercompany Solutions' Two Cost Lines Compare

When building a monthly budget, the registered address line is typically larger than the bank plan line. The cheapest address (EUR 60) exceeds even the most expensive bunq plan (€23.99). Only when an address sits at the very bottom of its range and a bank plan sits at the very top do the two figures approach equality. This means the choice of address provider has more impact on monthly cost than the choice of bank plan. A founder looking to cut recurring expenses finds more savings by shopping for address providers than by downgrading the bank account tier. For a sector-specific example of how address and bank choices combine, see Intercompany Solutions' breakdown of bank and address costs for a remote engineering business.

Banks charge for other items too: transaction fees, extra users, or API access. These are not detailed in Intercompany Solutions' bunq guide, so read bunq's full fee schedule alongside its headline monthly price. The bank plan price alone does not capture all potential monthly costs.

Bank Approvals Depend on the Address Choice

The registered address is not an independent choice; it affects the bank account opening process. Banks review the company profile before opening an account, and the address is part of that profile. Choosing the address service before applying for the bank account avoids a situation where details change between the application and approval. Choosing the address first gives the bank a stable company profile during review.

Different banks have different requirements. Some ask for a business plan; others focus on expected turnover or source of capital. Completing a thorough application with a stable address on file increases the chance of approval. For more on how address and bank choices interact, see the guide on bunq compared to traditional Dutch banks for foreign-owned BVs, which covers cost and due-diligence trade-offs.

To see how these recurring lines fit into the full first year, review Intercompany Solutions' guide on first-year cost of ownership for an e-commerce company.

Choosing a bunq Plan Tier

Three tiers prompt founders to choose the middle plan by default. Instead, decide based on actual business activity. A holding company making a few transfers monthly, a one-person consultancy invoicing a handful of clients, and an e-commerce operation processing hundreds of transactions have different bunq needs. Each tier includes different transaction limits and user allowances. Pick the tier that fits the expected activity in the first year, not the middle price.

Bank plans can be upgraded or downgraded later, so the first choice is not locked in. Check bunq's terms on plan changes and fees for switching before assuming this flexibility exists. The cost of choosing the wrong tier is just a few euros a month, but choosing the wrong address provider creates a larger monthly cost and involves a separate contract with another party, making address decisions more consequential.

Track the Ledger After the Company Trades

Three months after the company starts invoicing and paying, review the recurring ledger against actual spending. Intercompany Solutions' clients often continue with the firm for accounting, VAT registration, and payroll services after incorporation, meaning new recurring costs typically emerge beyond the address and bank plan. A quarterly review should check whether the address still fits where customers and authorities send post, whether the bank plan tier still matches transaction volume, and whether new services have appeared that belong in the budget.

Building a Recurring-Cost Template

Keep the recurring section of a first-year budget to three rows. Row one is the address service (with both low and high monthly figures from Intercompany Solutions' range, plus the provider name once chosen). Row two is the bank plan (with the exact tier and the date the price was confirmed). Row three is blank and labeled "other recurring", where accounting, payroll, or other services get added once quoted. Multiply by months only in the final summary, and only for rows with a written price from a provider. This habit keeps estimates and confirmed prices visibly separate, which is the most useful practice for first-year budgeting.