Overview
neno, at a glance.
neno is a business account platform headquartered in the Netherlands. Business accounts cost €80 a month. Opening an account takes 3–5 days.
neno (Neno Technology B.V.) is not a licensed institution. Accounts and e-money are provided by Swan, an e-money institution authorised by the ACPR in France (licence 17328); funds are safeguarded in a segregated account at BNP Paribas.
Why businesses pick neno
- Business account, bookkeeping, payroll and tax in one monthly price
- Dutch IBAN, also for B.V.s not formed through neno
- SEPA and SEPA Instant at €0.12 per transfer
- Mastercard cards, virtual and physical
- Support in Dutch and English by WhatsApp, phone, email and chat
Watch out for
- For businesses in the Netherlands
- Bundled prices start at €80 a month
- International transfers cost €5 plus 0.6% to 5% by currency
- Balances are held in euros only
- The account is Swan's, not neno's
Business fit
Will neno 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 neno's published rules
Needs review
neno works with Startups and SMEs, but does not publish the countries it accepts companies from.
neno 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 neno publishes about the businesses it takes on.
Who neno serves
- Startups and SMEs
- Freelancers
Not supported
Industries and countries neno does not accept, from its own published lists.
Industries
- Not published
Countries
- Not published
Coverage
Where can you use neno?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
EUR
Euro account; outgoing transfers in 19 currencies for companies, converted from euros.
Payment reach
Not published
Who can apply
Company incorporation countries1 countries · show list
- Netherlands
Owner nationality
Not publishedOwner residency
Not publishedCompany types
B.V., N.V., V.O.F., Eenmanszaak (sole trader), Stichting, including ANBI
Pricing
What does neno 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
Not published
Monthly fee
€80–1800
depends on plan
Solo
Lowest cost€80 per month
Setup fee not published
Scale
€220 per month
Setup fee not published
Advanced
€600 per month
Setup fee not published
Custom
€1,800 per month
Setup fee not published
Transaction fees
| Cost | Listed amount | How it is charged |
|---|---|---|
| Incoming | ||
| SWIFT / international | €5 | Fixed fee · Plus 0.6% to 5% when not received in euros |
| Outgoing | ||
| SEPA | €0.12 | Fixed fee |
| SEPA Instant | €0.12 | Fixed fee |
| SWIFT / international | 0.6–5% + €5 | Percentage plus a fixed fee; varies by plan · By currency group; SWIFT in USD, GBP or EUR adds €5 |
Ranges span the plans; higher plans pay the lower end.
Other fees
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Apply
Start the application online or through the sales team.
- 2
Company and people
Give the company's registration details, directors and owners.
- 3
Checks
Upload the documents requested and complete identity verification.
- 4
Account live
Once approved, the account is opened and you receive its details.
Documents you need
Not published
FAQ
Your questions, answered.
Is neno a bank?
No. neno is a fintech platform. The business account and e-money are provided by Swan, an e-money institution authorised by the ACPR in France (licence 17328).
Who can open a neno account?
Businesses in the Netherlands: B.V.s (including ones formed elsewhere), N.V.s, V.O.F.s, sole traders and foundations. neno can also form the B.V. for you.
How much does neno cost?
Plans include bookkeeping and start at €80 a month (Solo), €220 (Scale), €600 (Advanced) and €1,800 (Custom), excluding VAT. SEPA transfers cost €0.12.
Can I send money outside Europe?
Yes, in 19 currencies for companies, at €5 plus 0.6% to 5% depending on the currency.
Alternatives
How neno compares.
If neno is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 nenoThis pageBusiness account platform | Not published | BookkeepingNL IBAN |
 KnabBank |   | FreelancersDeposit protection |
| bunq BusinessBank | | Deposit protectionFreelancers |
 FinomE-money institution | | Freelancers and small companiesInvoicing |
 MollieBusiness account | | Dutch IBANEUR |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.