Open an EU business account for non-residents

Netherlands IBAN, free SEPA, up to 1.5% FX. Any registered company. Worldwide.

FCA Regulated
KYC ~4 Min
Verified in 1 Business Day
190+ Countries
38+ Currencies
Rates update live
Open a Business AccountSee Pricing

What is NOWE

NOWE Money is a multi-currency fintech platform operated by NOWE Money B.V., registered in Amsterdam, Netherlands (KvK 98048260). It offers personal and business accounts with EU IBANs, SEPA payments, international FX across 190+ countries, and 38+ currencies. Payment services are provided by Equals Money PLC (FCA #900190). KYC takes ~4 minutes; accounts verified within 1 business day.

What Is an EU Business Account for Non-Residents?

An EU business account for non-residents is a payment account with a European IBAN that any registered company can open — without an EU office, a local director, or a branch visit.

NOWE Money issues Netherlands-based NL IBANs, giving your company direct access to SEPA payments, SWIFT transfers, and FX conversions across 190+ countries. No physical presence in Europe required.

Companies outside Europe and the UK can use all account features: IBAN, SEPA, SWIFT, multi-currency balances. Physical cards are available for EU and UK customers only.

EU IBAN For Companies — What’s Included

Netherlands IBAN

Your company gets a genuine NL IBAN, accepted across 40+ SEPA countries immediately.

Free SEPA Transfers

Send and receive SEPA payments at zero cost. SWIFT transfers available from 48 USD.

Up To 1.5% FX Rate

Business accounts at a lower 1% cap than personal. Convert across 38+ currencies instantly.

Team Tools

Add team members, set spending rules, and manage budgets — Platinum and Black tiers.

Built for International Business

E-Commerce Sellers

Receive EUR from Amazon Europe and EU marketplaces without paying currency conversion fees on every payout.

Agencies & Exporters

Invoice EU clients in euros and pay international suppliers — all from one multi-currency IBAN account.

MENA & SEA Founders

Open a European business account without visiting Europe. No EU company registration required.

NOWE Money vs Traditional Business Banking

IBAN country
Nowe MoneyNetherlands (NL)
Traditional BanksCountry-dependent
SEPA transfers
Nowe MoneyFree (send & receive)
Traditional Banks€2–€25 per transfer
FX conversion
Nowe MoneyUp to 1.5%
Traditional Banks3–5% typical
Account opening
Nowe MoneyOnline, ~4 min KYC
Traditional BanksBranch visit required
Verification time
Nowe Money1 business day
Traditional Banks2–6 weeks
Non-resident companies
Nowe MoneyAccepted worldwide
Traditional BanksOften rejected
Multi-currency support
Nowe Money38+ currencies
Traditional BanksLimited or single currency

Choose Your NOWE Business Plan

NOWE Classic

Le compte bancaire gratuit pour les auto-entrepreneurs avec cashback

NOWE Classic card
Free

No Monthly Fee

  • Virtual Card
    EUR Only
  • Physical Card
  • EU IBAN (NL)
  • Free SEPA Transfers
  • SWIFT Transfers
    €2 / transfer
  • Team Tools
  • Sub-Accounts
  • API / Accounting
  • Cashback
    0.5% all spend
  • Standard Support
Most Popular

NOWE Platinum

Le compte bancaire pour les auto-entrepreneurs avec cashback

NOWE Platinum card
€24.99/Month

Billed Monthly

  • Virtual Card
    EUR Only
  • Physical Card
  • EU IBAN (NL)
  • Free SEPA Transfers
  • SWIFT Transfers
    €2 / transfer
  • Team Tools
  • Sub-Accounts
  • Accounting
    CSV Export
  • Cashback
    1% all spend
  • 24/7 Priority Support

NOWE Black

Le compte bancaire pour les auto-entrepreneurs avec cashback

NOWE Black card
€79.99/Month

Billed Monthly

  • Virtual Card
    EUR Only
  • Physical Card
  • EU IBAN (NL)
  • Free SEPA Transfers
  • SWIFT Transfers
    Free
  • Team Tools
  • Sub-Accounts
  • Full API Access
    + Accounting Sync
  • Cashback
    2% all spend
  • 24/7 WhatsApp Support
iPhysical Cards (Classic, Platinum, Black) Available For Europe & UK Customers Only. All Pricing Details:
See Comparison

How Businesses Worldwide Use NOWE To Simplify Cross-Border Finance

Businesses around the world rely on NOWE to manage cross-border payments, open EU accounts, and operate in euros — without the complexity of traditional banking.

Opened A Netherlands IBAN In One Day — No Travel, No EU Company Required

Businesses Worldwide Use NOWE To Open EU Accounts, Receive Euros, And Manage Cross-Border Payments Seamlessly.

Amira K.

Amira K.

Founder, E-Commerce Agency

🇬🇧 UK

Regulated and safeguarded

FCA #900190

FCA Authorised

Payment Services via Equals Money PLC, Authorised And Regulated By The UK Financial Conduct Authority.

PSD2

Safeguarded Funds

PSD2-Compliant. Client Funds Held In Safeguarded Accounts — Never Used For Credit Or Speculation.

KvK 98048260

NOWE Money B.V.

KvK 98048260 · John M. Keynesplein 4, 1066 EP Amsterdam, Netherlands
Private limited liability company registered in the Netherlands.

Compliance full details
Legal disclaimer

NOWE Money B.V. is a private limited liability company registered in the Netherlands, listed with the Dutch Chamber of Commerce (KvK) under number 98048260, with registered office at John M. Keynesplein 4, 1066 EP Amsterdam. Payment services are provided by Equals Money PLC, authorised and regulated by the Financial Conduct Authority (FCA) under registration number 900190. Funds are held in safeguarded accounts and are not covered by the Financial Services Compensation Scheme (FSCS).

Frequently Asked Questions

Yes. NOWE Money accepts registered companies from anywhere in the world. You do not need an EU office, a local director, or a European entity. The KYC form takes ~4 minutes online; verification usually completes in 1 business day. Your Netherlands IBAN is issued immediately upon approval.

For businesses

your business a netherlands IBANno borders.

Free SEPA. Up to 1.5% FX. Verified in 1 business day.

open a personal accountSee Pricing

Physical cards available for Europe and UK customers only. All other features — IBAN, SEPA, SWIFT, FX conversion — are available worldwide.