Pricing

What benefits can I receive?

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Free

€0 / month
Free account and 10% of all our income returned.
Your benefit€0/mth
Subscription € 0/mth
Net benefit €0/mth
Not optimal for company type
Free Dutch IBAN
Free virtual card on phone
All banking features
24/7 phone support
No monthly costs

Tulip

€12 / month
More features and receive 30% of our income.
Your benefit€0/mth
Subscription € 12/mth
Net benefit€0/mth
Not optimal for company type
Everything from Forever Free +
Free recycled plastic card
5 extra virtual IBANs
Access bookkeeper or accountant
Increase your share

Windmill

€49 / month
All features for your business and receive 70% of our income.
Your benefit€0/mth
Subscription € 49/mth
Net benefit €0/mth
Not optimal for company type
Everything from Bicycle +
50 team members with virtual cards
EURO direct debit support
SEPA bulk transaction upload
Maximize your benefit
Pricing

Compare our plans and find yours

Simple, transparent pricing that grows with you.

Forever Free

€0/month
Free banking and 10% of our income returned.
Try Free

Tulip

€12/month
More features and receive 30% of our income.
Get Tulip

Bicycle

€29/month
Invite your team and receive 50% of our income.
Ride Bicycle

Windmill

€49/month
All features and receive 70% of our income.
Enter Windmill
Account
Local Dutch IBAN (NL pre-fix)
Extra (virtual) IBANs
Create extra accounts for saving, projects, upcoming tax payments, etc.
0
5
unlimited
unlimited
Free KYC
Registration time
3 minutes
3 minutes
3 minutes
3 minutes
KYC/KYB processing time
When documentation is complete, this is the processing time to receive an IBAN
3 business hours
3 business hours
3 business hours
3 business hours
Transfer money
Cost per SEPA transfer*
€0,07
€0,07
€0,07
€0,07
Cost per SEPA instant transfer*
€0,12
€0,12
€0,12
€0,12
Scheduled transfers
Recurring transfers
Addressbook / beneficiary management
Bulk credit transfers (via file upload)
Cards
Free virtual cards
1
1
10
50
Free physical cards
First card delivery free when depositing 100 euro or more, otherwise we charge €7,75
0
1
5
10
IBAN-Name Check with SurePay
Pay at all payment terminals in The Netherlands
Pay worldwide via Mastercard network
ATM withdrawals
€1 charge per time inside SEPA, outside SEPA 2% variable charge
Payments
Pay via iDeal
coming soon
coming soon
coming soon
coming soon
Payment links and QR codes
coming soon
coming soon
coming soon
coming soon
Receive payments iPhone (tap-to-pay)
coming soon
coming soon
coming soon
coming soon
International
Exchange currencies against mid-market rates*
at cost
at cost
at cost
at cost
Directly see full cost of exchange and transfer
Expected in 2025
SWIFT payments outgoing
Expected in 2025
SWIFT payments incoming
Expected June 2024
Teams
Employee accounts
Send and receive 20+ currencies at mid-market rate
0
0
10
50
Employee cards
0
0
10
50
Adding team members
0
0
10
50
Extra user access
For accountants, bookkeepers, controllers, etc.
0
1
10
50
Expert support
24/7 emergency phone support
Priority help and advice via chat
Priority help and advice via email
Priority help and advice via phone
Advanced features
API connection for credit transfers
PSD2 API third party access (e.g. for accounting)
Download full pricing & plans overview


Fees marked with * charged by Swan, according to Swan's Terms and Conditions.
Swan is an Electronic Money institution and Payment institution offering payment services under French law approved by the ACPR under number 17328.
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