Compare NOWE accounts
side by side
Find the bank card that fits your needs
NOWE Classic
The free bank account for
freelancers with cashback
Virtual card
Free
NOWE Platinum
The free bank account for
freelancers with cashback
Virtual card
€24.99/month
NOWE Black
The free bank account for
freelancers with cashback
Virtual card
€79.99/month
Cards
| Virtual card | ✓ | ✓ | ✓ |
| Physical card | — | ✓ | ✓ |
| Contactless payments | ✓ | ✓ | ✓ |
| International payment (real exchange rate) | ✓ | ✓ | ✓ |
| Fee-free withdrawals up to X €/month | (2 free withdrawals) | ✓ (up to €400) | ✓ (up to €400) |
| Replacement card | €4.99 | Free 1x/year | Unlimited free replacements |
Account features
| European local IBAN (NL) | — | ✓ | ✓ |
| Multi-currency accounts (EUR, GBP, USD, SAR) | ✓ | ✓ | ✓ |
| Instant SEPA transfers | ✓ | ✓ | ✓ |
| SWIFT transfers | ✓ (5€) | ✓ (2€) | ✓ (free) |
| Real-time notifications | ✓ | ✓ | ✓ |
| Sub-accounts / budgets | — | ✓ | ✓ |
| Multi-user accounts | — | ✓ | ✓ |
| API / Accounting integration | — | ✓ (CSV export) | ✓ (Full API) |
Insurance and benefits
| Purchase / payment insurance | — | ✓ | ✓ |
| International travel assistance | — | ✓ | ✓ |
| Airport lounge access | — | — | ✓ |
| Partner cashback | — | ✓ (1%) | ✓ (2%) |
| 24/7 priority customer support | — | ✓ | ✓ (Dedicated WhatsApp) |
Security
| Two-factor authentication (2FA) | ✓ | ✓ | ✓ |
| Instant card freeze / unfreeze | ✓ | ✓ | ✓ |
| Automatic fraud detection | ✓ | ✓ | ✓ |
| Biometric management (FaceID / TouchID) | ✓ | ✓ | ✓ |
Monthly pricing
| Monthly fee | Free | €24.99/month | €79.99/month |
NOWE Classic
The free bank account for
freelancers with cashback
Virtual card
Free
Cards
| Virtual card | ✓ |
| Physical card | — |
| Contactless payments | ✓ |
| International payment (real exchange rate) | ✓ |
| Fee-free withdrawals up to X €/month | (2 free withdrawals) |
| Replacement card | €4.99 |
Account features
| European local IBAN (NL) | — |
| Multi-currency accounts (EUR, GBP, USD, SAR) | ✓ |
| Instant SEPA transfers | ✓ |
| SWIFT transfers | ✓ (5€) |
| Real-time notifications | ✓ |
| Sub-accounts / budgets | — |
| Multi-user accounts | — |
| API / Accounting integration | — |
Insurance and benefits
| Purchase / payment insurance | — |
| International travel assistance | — |
| Airport lounge access | — |
| Partner cashback | — |
| 24/7 priority customer support | — |
Security
| Two-factor authentication (2FA) | ✓ |
| Instant card freeze / unfreeze | ✓ |
| Automatic fraud detection | ✓ |
| Biometric management (FaceID / TouchID) | ✓ |
Monthly pricing
| Monthly fee | Free |
NOWE Platinum
The free bank account for
freelancers with cashback
Virtual card
€24.99/month
Cards
| Virtual card | ✓ |
| Physical card | ✓ |
| Contactless payments | ✓ |
| International payment (real exchange rate) | ✓ |
| Fee-free withdrawals up to X €/month | ✓ (up to €400) |
| Replacement card | Free 1x/year |
Account features
| European local IBAN (NL) | ✓ |
| Multi-currency accounts (EUR, GBP, USD, SAR) | ✓ |
| Instant SEPA transfers | ✓ |
| SWIFT transfers | ✓ (2€) |
| Real-time notifications | ✓ |
| Sub-accounts / budgets | ✓ |
| Multi-user accounts | ✓ |
| API / Accounting integration | ✓ (CSV export) |
Insurance and benefits
| Purchase / payment insurance | ✓ |
| International travel assistance | ✓ |
| Airport lounge access | — |
| Partner cashback | ✓ (1%) |
| 24/7 priority customer support | ✓ |
Security
| Two-factor authentication (2FA) | ✓ |
| Instant card freeze / unfreeze | ✓ |
| Automatic fraud detection | ✓ |
| Biometric management (FaceID / TouchID) | ✓ |
Monthly pricing
| Monthly fee | €24.99/month |
NOWE Black
The free bank account for
freelancers with cashback
Virtual card
€79.99/month
Cards
| Virtual card | ✓ |
| Physical card | ✓ |
| Contactless payments | ✓ |
| International payment (real exchange rate) | ✓ |
| Fee-free withdrawals up to X €/month | ✓ (up to €400) |
| Replacement card | Unlimited free replacements |
Account features
| European local IBAN (NL) | ✓ |
| Multi-currency accounts (EUR, GBP, USD, SAR) | ✓ |
| Instant SEPA transfers | ✓ |
| SWIFT transfers | ✓ (free) |
| Real-time notifications | ✓ |
| Sub-accounts / budgets | ✓ |
| Multi-user accounts | ✓ |
| API / Accounting integration | ✓ (Full API) |
Insurance and benefits
| Purchase / payment insurance | ✓ |
| International travel assistance | ✓ |
| Airport lounge access | ✓ |
| Partner cashback | ✓ (2%) |
| 24/7 priority customer support | ✓ (Dedicated WhatsApp) |
Security
| Two-factor authentication (2FA) | ✓ |
| Instant card freeze / unfreeze | ✓ |
| Automatic fraud detection | ✓ |
| Biometric management (FaceID / TouchID) | ✓ |
Monthly pricing
| Monthly fee | €79.99/month |