What it does
Knab provides Dutch business accounts for sole traders and qualifying single-director companies. Its Inkomstenverdeler can reserve VAT and divide remaining income among payment and savings accounts. Multiple account balances and savings pots remain visible in the app.
Knab’s former Btw Sparen feature is now part of Inkomstenverdeler, the income distributor. In the app, open the payment account and go to Slimme regels → Inkomstenverdeler. Turn on the switch and configure the allocation. Additional savings accounts can be opened under Producten.
Set a VAT percentage, then decide how the remaining money should be divided among reserves, income tax or other purposes. Rules can exclude certain incoming account numbers or use an amount threshold. Allocation currently works with percentages, rather than fixed sums.
The VAT reserve uses the tax-inclusive receipt amount. For example, €121 received at a selected 21% rate leaves €21 for VAT. It does not calculate the final VAT return or account for deductible VAT, so the reserve and tax liability can differ. The reserved money remains accessible in a Knab savings account.
Costs and eligibility
Regular business-account pricing is €7 monthly for a sole trader or €11 per BV. The account-opening page currently advertises a 12-month introductory fee waiver. That offer does not create a permanent free plan. Five payment accounts, unlimited savings accounts and 500 transactions per year are included; further transactions cost €0.10 each. Incoming and outgoing external payments count, while transfers between Knab accounts do not.
Apply through the app with a KVK registration number and accepted ID. The owner must be at least 18, live in the Netherlands and have a BSN. The business must be active and based there. Eligible BVs have one director who owns the company, with restrictions on holding-company structures; multi-director BVs and partnerships are not accepted.
Strengths
- Income rules can separate VAT first and distribute the remainder among several purposes.
- Exclusions prevent selected incoming transfers from being allocated automatically.
Watch out for
- The VAT reserve does not calculate the final tax liability or deductible VAT.
- Income distribution currently uses percentages instead of fixed amounts.
Best for
- Dutch sole traders organising VAT and business reserves
- Eligible owner-managed BVs with straightforward company structures
Sources
- Knab: de bank van ruim 350.000 ondernemers | Knab.nl (Oct 25, 2026)
- Knab Business Account Opening and Tariffs (Oct 27, 2026)
- Knab VAT Saving (Oct 27, 2026)
- Knab Business Income Distributor (Oct 27, 2026)
- Knab Business Acceptance Criteria (Oct 27, 2026)