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What are the banking functionalities and fees for Accountable Banking?

Written by: Tino Keller

Updated on: March 11, 2025

Reading time: < 1 minute

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Your Accountable Banking professional account is 100% free, available in every Accountable plan. Furthermore, most of the functionalities of Accountable Banking are free as well, except for a few international operations.

Below, you will find a full list of functionalities and fees for Accountable Banking:

FunctionalityFee
Monthly fee€0
Virtual debit card (Apple/Google pay)€0
Domestic transfers (incoming + outgoing)€0
Transfers (incoming + outgoing) within the SEPA zone (see below)€0
Instant transfers€0
Standing orders (coming soon)€0
Direct debits€0
ATM withdrawals within the SEPA zone€0
Non-European transfers (see full list below)€5 + 0.6-5% of amount
Non-European ATM withdrawals2% of the amount withdrawn
SEPA direct debit rejection10 €

Countries within the SEPA zone

Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden, Switzerland, the UK, San Marino, Vatican City, Andorra, Monaco, Iceland, Norway, and Liechtenstein.

Fees for incoming and outgoing credit transfers outside the SEPA zone

CountryFee
PLN, HRK, HUF, CZK, RON, DKK,
NOK, CHF, CAD, SEK, GBP, USD,
NZD, AUD, EUR (via SWIFT)
5€ + 0.6%
KES, PKR, MXN, INR, VND, MYR,
IDR, THB, PHP, HKD, BGN, LKR,
SGD, JPY
5€ + 1%
UGX, ARS, NPR, EGP, TZS, BRL,
CNY, UAH, GEL, BDT, TRY, RUB,
KRW, AED, GHS
5€ + 2%
BWP, UYU, FJD, COP, MAD, CRC,
CLP, ILS, ZAR, ZMW
5€ + 5%
tino author

Author - Tino Keller

Tino Keller is the Co-founder behind Accountable, driven by a mission to revolutionize how freelancers, self-employed professionals, and small business owners manage their taxes.

Who is Tino ?

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