{"id":11661,"date":"2026-05-18T13:29:49","date_gmt":"2026-05-18T11:29:49","guid":{"rendered":"https:\/\/www.accountable.de\/?p=11661"},"modified":"2026-05-18T13:31:39","modified_gmt":"2026-05-18T11:31:39","slug":"accountable-banking-swan","status":"publish","type":"post","link":"https:\/\/www.accountable.de\/en\/blog\/accountable-banking-swan\/","title":{"rendered":"What is Accountable Banking with Swan – and how does it help freelancers manage taxes?"},"content":{"rendered":"\n

A business account that truly centers the needs of freelancers? That’s exactly what Accountable offers together with its banking partner Swan. The idea: make financial management simpler with a free account integrated directly into the app that automatically handles key tasks like setting aside tax reserves. In this article, we explain how the partnership works and why it can make your life as a freelancer significantly easier.<\/strong><\/p>\n\n\n\n

Why banking for the self-employed needs to be different<\/h2>\n\n\n\n

Many freelancers know the problem: business income and personal expenses often end up in the same account. While this seems convenient day-to-day, it becomes a real challenge at tax time, especially when there are no reserves set aside and unexpected back-payments are due.<\/p>\n\n\n\n

Traditional bank accounts are usually not designed for the specific needs of self-employed people. They lack features like automatic tax planning, a clear overview of available income, or the ability to pay invoices directly from the app.<\/p>\n\n\n\n

Accountable wanted to change that. It wants to provide freelance banking from the ground up: integrated, automated, and fully tailored to the self-employed. The technical foundation for this is provided by Swan.<\/p>\n\n\n\n

Accountable Banking: What’s behind it<\/h2>\n\n\n\n

With Accountable Banking, users get a free business account with a German IBAN<\/strong>, integrated directly into the tax app. The account was developed specifically for self-employed people \u2014 with the goal of bringing finances and tax planning together in one place.<\/p>\n\n\n\n

What makes it special: you no longer have to manage tax reserves yourself.\u00a0A set percentage of your income is automatically set aside as soon as a payment comes in.<\/strong>\u00a0This keeps you on top of things at all times and prepares you for the next tax payment.<\/p>\n\n\n\n

Transfers, incoming payments, and everyday account management all run entirely within the app: simple, fast, and at no extra cost.<\/p>\n\n\n\n

\n
\n
\n

“Our mission is to give the self-employed financial control \u2014 without the hassle of complicated processes. Being self-employed needs to be easier to manage, especially in economically challenging times. That’s exactly why this business account is completely free.”<\/em><\/p>\n<\/div>\n \n

Tino Keller – Founder, CMO & Managing Director Germany<\/p>\n <\/a>\n <\/div>\n

\n \"tino\n <\/div>\n <\/div>\n\n \n<\/blockquote>\n\n\n\n

Swan: A brief introduction to the FinTech company<\/h2>\n\n\n\n

Swan<\/strong> was founded in 2019 and is a rising FinTech company from Paris specializing in Embedded Banking<\/strong>. This means Swan provides the technical and regulatory infrastructure that allows other companies \u2014 like Accountable \u2014 to integrate banking services directly into their own products.<\/p>\n\n\n\n

Swan is an electronic money institution licensed by the French prudential supervisory authority, the Autorit\u00e9 de Contr\u00f4le Prudentiel et de R\u00e9solution (ACPR), to provide payment services.<\/p>\n\n\n\n

These payment services are integrated into the account, offered by Swan, and are subject to Swan’s general terms and conditions, which you can find on\u00a0this page<\/a>.
Swan is represented in Germany by:
Swan SAS, c\/o Mindspace, M\u00fcnzstra\u00dfe 12, Berlin 10178, registered in the Commercial Register \u2014 Division B of the Local Court (Amtsgericht) of Charlottenburg, Registration Number: HRB 242427 B
In its capacity as an electronic money institution offering payment services under French law and licensed by the ACPR (4 Place de Budapest CS 92459, 75436 Paris), Swan is registered with that authority under number 17328 and is subject to all supervisory obligations applicable to institutions meeting the criteria of Article L. 314-1 of the Monetary and Financial Code (2\u00b0, 3\u00b0 and 5\u00b0).
If you have any questions about our partnership with Swan, please feel free to reach out to our tax coaches.<\/p>\n\n\n\n

For you, this means:<\/strong>\u00a0even though you open your account directly through Accountable, the technical provision runs via Swan, the certified financial institution with official authorization and high security standards. Everything is integrated directly into the app, with nothing for you to worry about.<\/p>\n\n\n\n

If you have questions about our partnership with Swan, feel free to reach out to our tax coaches.<\/p>\n\n\n\n

What Makes Swan Special<\/h3>\n\n\n\n