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:
| Functionality | Fee |
| Monthly fee | €0 |
| Virtual debit card (Apple/Google pay) | €0 |
| Physical debit card | €0 (€7.5 if you use the free version of Accountable) |
| Scheduled transfers | €0 |
| Standing orders | €0 |
| Domestic transfers (incoming + outgoing) | €0 |
| Transfers (incoming + outgoing) within the SEPA zone (see below) | €0 |
| Foreign transaction fee for card payments and cash withdrawals | 0% |
| Instant transfers | €0 |
| Standing orders (coming soon) | €0 |
| Direct debits | €0 |
| Card transactions in foreign currencies | €0 |
| Non-European transfers (see full list below) | €5 + 0.6-5% of amount |
| ATM withdrawals within the SEPA zone | €1 |
| SEPA direct debit rejection | €10 |
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, Serbia, 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
| Country | Fee |
| 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% |
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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 ?Thank you for your feedback!
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Read moreThey always answer right away to any question I have, they provide clear answers, and they are very patient even when I struggle to understand. They try to explain in different ways. They are very helpful, responsive and friendly.
Chiara Marradi
10/05/2026
This is an amazing application with great support on issues. In short as in day I am addicted to it (in a positive way). I myself is from IT project management and the way they have captured the user requirement, it’s phenomenal.
Sumit Tewary
01/12/2024
UI is great. Feature packed and very easy to use. The team at Accountable were VERY quick to respond and their team of technicians soon had a fix in place. Very happy with the level of service so far. Thumbs up from me!
Dean Osborne
05/06/2023
Everything was great! All my questions were answered quickly and in a friendly manner.
Wenzeslawa Wegener
11/05/2026
This program is a lifesaver, and it is always improving. Plus, it has an AI chat feature that is actually useful.
Jeffrey Humble
12/01/2026
The coaching session on tax management was excellent, good material, excellent explanations and very insightful. Combined with the AI I never feel alone with Accountable.
Sergio Barbarino
13/04/2026
The availability of your team to help and guide people to understand their finances better is what really makes Accountable valuable. While the AI is able to give answers to most basic questions, specific scenarios need counsel from a human which your team performs beautifully.
Norma
06/04/2026
Fast and careful answers from Alina. Top service. Thank you.
Anonymous
06/04/2026
In the world where everyone seems to be out to get small entrepreneurs and overwhelm them with new rules, more taxes and reporting obligations, Accountable often feels like the one steady partner that actually wants you to succeed, providing quick, clear and personalised support. Thank you!
Janina Arsenjeva
10/04/2026
They always answer for questions wherever is via direct e-mail or through app. If they can’t answer fully they will forward you to the right place. Documents were always prepared well and ready to send further to government. Everything is intuitive in the app and easy to sort out even for someone completely green in this field.
Anonymous
12/03/2026
