BelgiumOverview
Accountable, at a glance.
Accountable is a tax app with a business account; accounts from a french e-money institution headquartered in Belgium. The company behind Accountable is Accountable SA; accounts are provided by Swan SAS. Business accounts cost €0 a month. Opening an account takes 3–5 days.
Accountable does not hold a licence of its own: the account and cards are issued by Swan SAS, a French e-money institution supervised by the ACPR. Accountable says the funds are held at BNP Paribas in France.
Why businesses pick Accountable
- Free account across all Accountable plans
- Free SEPA and instant transfers
- Free virtual Mastercard
- Tax and bookkeeping in the same app
- Trustpilot score of 4.5 from about 400 reviews
Watch out for
- Non-EUR transfers cost €5 plus 0.6% to 5%
- ATM withdrawals €1 in the SEPA zone, 2% outside
- For self-employed people with a German tax ID only
- No licence of its own: accounts depend on Swan
- No list of refused industries published
Business fit
Will Accountable accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on Accountable's published rules
Likely no
Accountable does not list United Kingdom among the countries where it accepts companies.
Accountable does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What Accountable publishes about the businesses it takes on.
Who Accountable serves
- Freelancers
- Creative
- Professional services
Not supported
Industries and countries Accountable does not accept, from its own published lists.
Industries
- Not published
Countries
- Not published
Coverage
Where can you use Accountable?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
EUR
Transfers to non-EUR currencies cost €5 plus 0.6% to 5% by currency group.
Payment reach
Not published
Who can apply
Company incorporation countries1 countries · show list
- Germany
Owner nationality
Not publishedOwner residency
Not publishedCompany types
Self-employed people and freelancers with a German tax ID
Pricing
What does Accountable cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
Free
Monthly fee
Free
Accountable Banking
€0 per month
€0 setup · €0 in year one
Transaction fees
| Cost | Listed amount | How it is charged |
|---|---|---|
| Incoming | ||
| SEPA | Free | No charge |
| Outgoing | ||
| SEPA | Free | No charge |
| SEPA Instant | Free | No charge |
| SWIFT / international | 0.6% + €5 | Percentage plus a fixed fee · Non-EUR transfers: €5 plus 0.6% to 5% by currency group |
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | Not published |
Cards
| Cost | Listed amount | How it is charged |
|---|---|---|
| Virtual card issue | Free | No charge |
| ATM withdrawal | €1 | Fixed fee · In the SEPA zone; 2% outside |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Sign up
Create a free Accountable account and open the Bank screen.
- 2
Your activity
Answer the questions about your professional activity.
- 3
Verification
Verify your identity with an ID and selfie or video, and upload the tax ID, business registration and address proof.
- 4
Account live
Swan reviews the documents and activates the account, usually within 3 to 5 business days.
Documents you need
Not published
FAQ
Your questions, answered.
Is Accountable a bank?
No. Accountable SA runs the tax app; the account and cards are issued by Swan SAS, a French e-money institution, with funds held at BNP Paribas.
How much does Accountable Banking cost?
The account is free on every Accountable plan. SEPA and instant transfers are free; non-EUR transfers cost €5 plus 0.6% to 5%; ATM withdrawals cost €1 in the SEPA zone and 2% outside.
Who can open it?
Self-employed people and freelancers with a German tax ID and proof of an active business.
Does it give a German IBAN?
Yes, a German IBAN issued through Swan.
Alternatives
How Accountable compares.
If Accountable is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 AccountableThis pageTax app with a business account; accounts from a French e-money institution | Not published | German IBANFreelancers |
 KontistBusiness account |  | FreelancersTax tools |
 N26 BusinessBank | | FreelancersFree account |
| FYRSTBank | | Deutsche BankCash deposits |
 FinomE-money institution |  | Freelancers and small companiesInvoicing |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.