EU Business Account for Freelancers and Agencies

Receive EUR from EU clients via free SEPA. Pay no SWIFT fees on your invoices. Netherlands NL IBAN for non-EU registered companies.

FCA Regulated
Netherlands NL IBAN
Free SEPA Receive
Up to 1.5% FX
Team Tools
KYC ~4 Min
Open a Business AccountSee Pricing

For registered companies only — not sole traders. If you invoice EU clients through an incorporated company, this is for you.

Physical cards available for businesses based in Europe and the UK only.

Why EU Clients Hate Paying Your Invoices — And How to Fix It

When you invoice a European client and ask them to pay via SWIFT, you are asking them to pay €15–50 in bank fees per invoice. EU businesses strongly prefer SEPA — which requires an IBAN. Without a European IBAN, every invoice you send creates friction. Some EU clients will delay payment. Some will ask you to absorb the fees. Some will choose a local agency instead.

Built for speed, trust, and borderless euro banking.

No EU IBAN — EU Clients Must Use SWIFT

Without a European IBAN, EU clients can only pay via SWIFT. That costs them €15–50 per transfer. It creates friction, delays, and sometimes lost projects.

SWIFT Fees You Absorb to Stay Competitive

You either ask clients to cover fees — which they resent — or absorb the loss yourself. On a €2,000 invoice, €50 in fees is 2.5% gone before you start.

Forced FX Conversion at Bad Rates

Your bank converts USD and GBP earnings at their rate, when they decide. You can't hold currencies and convert when rates are in your favour.

No Team Access for Agency Staff

Generic freelancer accounts don't support sub-accounts or multi-user access. Agency owners and account managers can't share access securely.

No EU IBAN — EU Clients Must Use SWIFT

Without a European IBAN, EU clients can only pay via SWIFT. That costs them €15–50 per transfer. It creates friction, delays, and sometimes lost projects.

SWIFT Fees You Absorb to Stay Competitive

You either ask clients to cover fees — which they resent — or absorb the loss yourself. On a €2,000 invoice, €50 in fees is 2.5% gone before you start.

Forced FX Conversion at Bad Rates

Your bank converts USD and GBP earnings at their rate, when they decide. You can't hold currencies and convert when rates are in your favour.

No Team Access for Agency Staff

Generic freelancer accounts don't support sub-accounts or multi-user access. Agency owners and account managers can't share access securely.

No EU IBAN — EU Clients Must Use SWIFT

Without a European IBAN, EU clients can only pay via SWIFT. That costs them €15–50 per transfer. It creates friction, delays, and sometimes lost projects.

SWIFT Fees You Absorb to Stay Competitive

You either ask clients to cover fees — which they resent — or absorb the loss yourself. On a €2,000 invoice, €50 in fees is 2.5% gone before you start.

Forced FX Conversion at Bad Rates

Your bank converts USD and GBP earnings at their rate, when they decide. You can't hold currencies and convert when rates are in your favour.

No Team Access for Agency Staff

Generic freelancer accounts don't support sub-accounts or multi-user access. Agency owners and account managers can't share access securely.

No EU IBAN — EU Clients Must Use SWIFT

Without a European IBAN, EU clients can only pay via SWIFT. That costs them €15–50 per transfer. It creates friction, delays, and sometimes lost projects.

SWIFT Fees You Absorb to Stay Competitive

You either ask clients to cover fees — which they resent — or absorb the loss yourself. On a €2,000 invoice, €50 in fees is 2.5% gone before you start.

Forced FX Conversion at Bad Rates

Your bank converts USD and GBP earnings at their rate, when they decide. You can't hold currencies and convert when rates are in your favour.

No Team Access for Agency Staff

Generic freelancer accounts don't support sub-accounts or multi-user access. Agency owners and account managers can't share access securely.

No EU IBAN — EU Clients Must Use SWIFT

Without a European IBAN, EU clients can only pay via SWIFT. That costs them €15–50 per transfer. It creates friction, delays, and sometimes lost projects.

SWIFT Fees You Absorb to Stay Competitive

You either ask clients to cover fees — which they resent — or absorb the loss yourself. On a €2,000 invoice, €50 in fees is 2.5% gone before you start.

Forced FX Conversion at Bad Rates

Your bank converts USD and GBP earnings at their rate, when they decide. You can't hold currencies and convert when rates are in your favour.

No Team Access for Agency Staff

Generic freelancer accounts don't support sub-accounts or multi-user access. Agency owners and account managers can't share access securely.

No EU IBAN — EU Clients Must Use SWIFT

Without a European IBAN, EU clients can only pay via SWIFT. That costs them €15–50 per transfer. It creates friction, delays, and sometimes lost projects.

SWIFT Fees You Absorb to Stay Competitive

You either ask clients to cover fees — which they resent — or absorb the loss yourself. On a €2,000 invoice, €50 in fees is 2.5% gone before you start.

Forced FX Conversion at Bad Rates

Your bank converts USD and GBP earnings at their rate, when they decide. You can't hold currencies and convert when rates are in your favour.

No Team Access for Agency Staff

Generic freelancer accounts don't support sub-accounts or multi-user access. Agency owners and account managers can't share access securely.

No EU IBAN — EU Clients Must Use SWIFT

Without a European IBAN, EU clients can only pay via SWIFT. That costs them €15–50 per transfer. It creates friction, delays, and sometimes lost projects.

SWIFT Fees You Absorb to Stay Competitive

You either ask clients to cover fees — which they resent — or absorb the loss yourself. On a €2,000 invoice, €50 in fees is 2.5% gone before you start.

Forced FX Conversion at Bad Rates

Your bank converts USD and GBP earnings at their rate, when they decide. You can't hold currencies and convert when rates are in your favour.

No Team Access for Agency Staff

Generic freelancer accounts don't support sub-accounts or multi-user access. Agency owners and account managers can't share access securely.

No EU IBAN — EU Clients Must Use SWIFT

Without a European IBAN, EU clients can only pay via SWIFT. That costs them €15–50 per transfer. It creates friction, delays, and sometimes lost projects.

SWIFT Fees You Absorb to Stay Competitive

You either ask clients to cover fees — which they resent — or absorb the loss yourself. On a €2,000 invoice, €50 in fees is 2.5% gone before you start.

Forced FX Conversion at Bad Rates

Your bank converts USD and GBP earnings at their rate, when they decide. You can't hold currencies and convert when rates are in your favour.

No Team Access for Agency Staff

Generic freelancer accounts don't support sub-accounts or multi-user access. Agency owners and account managers can't share access securely.

No EU IBAN — EU Clients Must Use SWIFT

Without a European IBAN, EU clients can only pay via SWIFT. That costs them €15–50 per transfer. It creates friction, delays, and sometimes lost projects.

SWIFT Fees You Absorb to Stay Competitive

You either ask clients to cover fees — which they resent — or absorb the loss yourself. On a €2,000 invoice, €50 in fees is 2.5% gone before you start.

Forced FX Conversion at Bad Rates

Your bank converts USD and GBP earnings at their rate, when they decide. You can't hold currencies and convert when rates are in your favour.

No Team Access for Agency Staff

Generic freelancer accounts don't support sub-accounts or multi-user access. Agency owners and account managers can't share access securely.

One Netherlands NL IBAN. Every Invoice Problem Solved.

Netherlands NL IBAN — Receive SEPA from EU Clients

European IBAN for freelance company non-resident — issued from the Netherlands. EU clients pay via free SEPA, no SWIFT fees, no friction. Your NL IBAN appears on every invoice exactly like a local EU company.

Free SEPA Receive — All Tiers

Multi currency account for freelance agency — hold USD from US clients and EUR from EU clients under the same NL IBAN. Convert at up to 1.5% FX when rates suit you.

Team Access for Your Agency

Team multi-user account agency — Platinum and Black tiers include sub-accounts and multi-user access. Set permissions for account managers, finance staff, or co-founders.

Non-EU Company Eligible — 190+ Countries

Non-EU company account — registered companies worldwide qualify. Agencies in MENA, Southeast Asia, and Latin America open online. KYC ~4 minutes online, no branch visit required.

How non-EU agencies removed SWIFT friction with a Netherlands IBAN on every invoice

Real stories from freelancers and agencies who switched to NOWE to get paid faster, retain more, and remove SWIFT friction.

Each account holder added their Netherlands NL IBAN to invoices and stopped losing EUR to bank fees.

Received SEPA payments in seconds with €0 fees compared to our previous bank charging per transfer.

We added an NL IBAN to our invoices and gave our account manager access — payments are instant and operations run smoothly without sharing logins.

Amira K.

Amira K.

Atlas Digital Agency

🇦🇪 UAE

NOWE vs Wise vs Payoneer vs EU Bank — Agency Edition

EU IBAN Origin
Nowe BusinessNetherlands NL IBAN
CompetitorsBelgium (BE)
Traditional BanksLocal country only
SEPA Receive Fee
Nowe BusinessFree — all tiers
CompetitorsFree
Traditional Banks€0–€2 typical
FX Rate
Nowe BusinessUp to 1.5%
Competitors~0.41–1.5% variable
Traditional Banks3–5% typical
Non-EU Company Access
Nowe BusinessWorldwide
CompetitorsYes (most regions)
Traditional BanksResidency required
KYC / Onboarding
Nowe Business~4 min online
Competitors2–5 business days
Traditional BanksWeeks + in-person
Team / Multi-User
Nowe BusinessPlatinum & Black
CompetitorsAll plans
Traditional BanksYes — complex setup
SWIFT Send Fee
Nowe Business€0–€5 (tier)
CompetitorsLow — varies by corridor
Traditional Banks€20–€45 typical
Real SEPA B2B IBAN
Nowe BusinessFull NL IBAN
CompetitorsBelgium IBAN
Traditional BanksCountry IBAN
Activation Fee
Nowe BusinessFree
Competitors~€50 one-time
Traditional BanksVaries — €50–€200

Note: Wise EUR IBAN issued from Belgium; some European corporate clients may see ‘BE’ prefix and ask questions vs ‘NL’. Payoneer’s EUR receiving account is not a standard named IBAN accepted by all European accounting systems for SEPA B2B settlement. Verify current terms at provider websites. Full NOWE pricing /comparison/

More NOWE Tools for Your Agency or Freelance Business

SEPA Payments

Receive EUR at zero cost.

International FX

Up to 1.5% across 38+ currencies.

Multi-Currency IBAN

Netherlands NL IBAN. 38+ currencies.

Import & Export

Pay suppliers + receive from EU traders.

Frequently Asked Questions

Open a NOWE Business account and receive a Netherlands NL IBAN. EU clients pay you via SEPA — free on all tiers — with no SWIFT fees on incoming EUR. Non-EU registered companies worldwide qualify. Add your NL IBAN to every invoice; payments settle like a local EU company. KYC takes ~4 minutes online; verification usually completes in 1 business day.

For Individuals

Get Your Netherlands IBAN. Stop Losing Projects to SWIFT Fees.

EU clients pay via free SEPA. 38+ currencies. Team access. Non-EU registered companies welcome.

Open a Business AccountSee Pricing

Registered company required. Physical cards available for businesses based in Europe and the UK only.