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For business transactions in the Netherlands, it’s generally recommended to use a dedicated business bank account. Here’s why and what to consider:

• Business Bank Account: Opening a business bank account helps keep personal and business finances separate, making accounting and tax filings simpler and more compliant with Dutch regulations. Most banks in the Netherlands offer accounts specifically for businesses (e.g., ABN AMRO, ING, Rabobank), which include features like invoicing tools, expense tracking, and VAT support.
• Requirements for Freelancers (ZZP) and Sole Proprietors (Eenmanszaak): Although not legally required, having a separate business account is strongly recommended for freelancers and sole proprietors. It streamlines financial record-keeping, especially during tax season, and provides a professional image when handling payments with clients.
• Digital Banks: Online banks like Bunq, N26, and Revolut also offer business accounts and may be suitable for entrepreneurs looking for low-cost, flexible banking options. Just ensure the account meets your business needs for Dutch compliance.

Having a dedicated business account makes it easier to manage cash flow, track expenses, and stay organized, ultimately benefiting your business’s financial health and professionalism.