Remote working feels limitless: you can work on any continent. After all, your own office fits into a backpack just as easily as a permanent workstation. Precisely because of this, it seems logical to also arrange your business finances “border-free. For example, through foreign online banks or fast fintech apps. But anyone who works seriously and sustainably remotely will soon discover that a business account with a Dutch bank provides more peace of mind, security and continuity than you might at first think.
A Dutch business account: more than just an IBAN
International fintechs and foreign banks often focus on simplicity and low cost. Fine on the go, but less solid when it comes to reliability, consistency and legal clarity. Dutch banks operate within strict and predictable legislation, and you notice that in daily practice: more stable services, clear communication and access to support when something goes wrong.
In addition, Dutch business accounts fit seamlessly with the administrative requirements of the tax authorities and with local accounting software. That may sound boring, but for remote workers it mainly means: less hassle and less time spent on exceptions or manual corrections.
Many remote professionals additionally use complementary payment methods. Think business credit cards, which are often better integrated with Dutch bank accounts and accounting packages than international fintechs. That smooth link makes a big difference when you need to account for a lot of travel or project expenses.
Consistency when working remotely
Of course, you can make payments with a foreign account just fine. But once you invoice internationally, use different currencies or receive payments from companies with stricter controls, differences become apparent. Dutch accounts are recognized worldwide as reliable and stable, and transactions are less likely to be delayed by additional checks or compliance questions.
Moreover, Dutch banks comply with uniform European rules on privacy, security and consumer protection. Fintechs sometimes fall under different regulatory regimes or are “licensed via via,” which means that protection can differ and continuity is less certain.
Security of a Dutch bank account
Finally, an important distinction is also in the protection of your balance. Dutch banks fall under the Dutch Deposit Guarantee System, a legal guarantee that protects your balances up to a set amount. Non-bank fintechs usually do not offer that guarantee; they often use segregated accounts or e-money structures, which may be secure but do not offer the same protection if an institution collapses. For remote workers, who manage their income entirely digitally, that’s really a factor to consider.
A flexible work life combined with Dutch stability
Remote working requires flexibility, but not everywhere flexibility is an advantage. For your business finances, stability is more valuable. A Dutch business account combines convenience with solid protection, predictable rules and seamless connection to your administration. Especially in a work life that is constantly moving, having a reliable financial base in your home country is surprisingly nice.
#samenwerking
More inspiration on remote working
