Knab

What Knab does

Knab is a Netherlands-based digital-only bank founded in 2012 and headquartered in Hoofddorp, serving Dutch self-employed professionals (zzp'ers) and small private companies (BVs). The company operates exclusively through its website and mobile application (iOS/Android), with no physical branches; customers can open accounts online in approximately 10 minutes. Knab positions itself as an integrated financial platform for entrepreneurs, combining business banking, automated savings, bookkeeping, insurance, pensions, investments, and mortgages under a single sign-on environment with 501-1,000 employees supporting an installed base of over 300,000 entrepreneurs.

The core technology stack is a proprietary digital banking platform with a web-based Persoonlijke Bankomgeving and mobile apps. Differentiated features include the Inkomstenverdeler (an automated payment-distribution engine that allocates incoming receipts into separate savings pots for VAT, profit, and reserves using the Belastingdienst rate/121 calculation method), unlimited customizable spaarpotjes (savings pots), and automated bank-feed integrations with 12+ third-party bookkeeping platforms (Exact, SnelStart, AFAS, Twinfield, Visma, Jortt, MoneyMonk, Cash, Informer, KING Software, Reeleezee, Yuki). The Knab Boekhoudpakket is a co-developed accounting module with DigiBoox that supports direct tax filing with the Dutch tax authority. Credit cards are issued and processed via a partnership with ICS, insurance is distributed via Alicia, and bookkeeping technology is provided by DigiBoox.

Knab's revenue model is anchored in subscription fees (business accounts €7-11/month, private accounts €6/month standalone, bookkeeping €16/month, bundles €8-27/month), supplemented by credit card fees (€37.50/year plus interchange), insurance commissions, savings net interest margin (1.25% Flexibel Sparen, up to 2.10% Deposito), and pension/investment distribution. GTM is product-led: 47% of customers arrive through word-of-mouth referrals, with the remainder acquired via SEO, content marketing through the Knab Bieb knowledge base, comparison sites (MoneyView, Onderneming.nl), and the paid Vriendenvoordeel referral program (€25 per referral). New business accounts are offered free for the first 12 months as a customer-acquisition lever.

Name

Knab

Legal name

Knab

Website

https://knab.nl

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Knab is a Dutch digital-only bank serving over 300,000 self-employed entrepreneurs (zzp'ers) and small businesses with integrated business accounts, bookkeeping, savings, credit cards, insurance, pensions, and mortgages delivered through a mobile and web platform.

Ownership category

akta.pro rank

Headquarters

HQ city

Hoofddorp

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales, Others

Revenue model

1. Business Account Fees: Monthly subscription fees for business bank accounts. Sole proprietors pay €7/month, BVs pay €11/month. Includes 500 free transactions per year, up to 5 payment accounts, unlimited savings accounts.
2. Bundled Packages: Bundled offerings combining business account with private account (€8-12/month), bookkeeping package (€23-27/month), or both. Provides tiered pricing with discounts for bundled services.
3. Credit Card Fees: Annual credit card fee of €37.50 per year for Mastercard business credit card issued in partnership with ICS. Additional revenue from cash withdrawals (4% with minimum €4.50) and foreign exchange fees (2.5%).
4. Bookkeeping Software: Knab Boekhoudpakket at €16/month (first month free). Income tax module at €130/year. Bank connection for non-Knab bookkeeping software at €1.50/month.
5. Insurance Commissions: Revenue from insurance products sold through partner Alicia. Knab offers 5% discount to existing customers for using their insurance products.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Knab is a digital-only Dutch bank that offers business and personal current accounts, savings, integrated bookkeeping software, business credit cards, insurance, pension products, managed investments, and mortgages. Its core target is Dutch self-employed entrepreneurs (zzp'ers) and small private companies (BVs), served entirely through online channels with subscription-based pricing and no physical branches.

Product overview

Knab is a Dutch digital bank targeting self-employed entrepreneurs (zzp'ers) and small businesses, operating as a platform-plus-modules architecture. The core product is the Zakelijke Rekening (business current account) available for sole proprietors and private companies, priced at €7-11/month. Knab bundles and integrates multiple financial services: the proprietary Boekhoudpakket (accounting software developed with DigiBoox), automated Boekhoudkoppeling to 12 third-party bookkeeping platforms (e-Boekhouden.nl, Yuki, Exact Online, Twinfield, Visma, SnelStart, AFAS, Asperion, Jortt, MoneyMonk, Cash, Informer, KING Software, Reeleezee), the Zakelijke Creditcard (Mastercard via ICS), Zakelijk Flexibel Sparen and Deposito Sparen savings products, Btw Sparen/Inkomstenverdeler automated VAT savings, Zakelijke Verzekeringen via Alicia (liability, disability, legal, life, accident, travel insurance), Pensioenbeleggen/pensioensparen (pension), Beheerd Beleggen (managed investing), Hypotheek (mortgages), and Privérekening (personal accounts). The ecosystem is unified through the Knab App and Persoonlijke Bankomgeving (online banking). The Overstapservice enables frictionless migration from competitor banks.

Differentiator

Problem solved

Functional benefit

Brands

• Knab Boekhoudpakket: An online bookkeeping software package developed in partnership with DigiBoox, specifically designed for zzp'ers and small entrepreneurs. Includes invoicing, administration, tax filing, and bank integration features.
• Knab Boekhoudkoppeling
• Inkomstenverdeler

Products and services

• Knab Zakelijke Rekening (Business Current Account)

Quantifiable outcome

• 300,000+ entrepreneurs use Knab for their business banking
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration16 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core.

• ICS (International Card Services)coreOEM/ Whitelabel/ Licensing PartnerICS is the credit card issuer and administrator for Knab's Mastercard business credit cards. They handle card issuance, transaction processing, customer service, and fraud monitoring for the credit card product. The partnership allows Knab to offer credit card services without operating their own payment infrastructure.
• Alicia InsurancecoreChannel Partner/ Reseller/ DistributorAlicia is Knab's insurance partner for business and liability insurance products offered to entrepreneurs. Knab offers 5% discount on insurance premiums for existing business account holders. Alicia provides underwriting and administration for zzp-specific insurance products including liability, disability, legal protection, and accident insurance.
• DigiBooxcoreStrategic or Co-development PartnerDigiBoox co-developed the Knab Boekhoudpakket (bookkeeping package) with Knab. The product is developed by DigiBoox but sold and supported through Knab's platform. DigiBoox provides customer support for bookkeeping users. The partnership combines Knab's banking customer base with DigiBoox's accounting software expertise.
• SnelStart, AFAS, Asperion, Twinfield, Visma, Jortt, MoneyMonkcoreTechnology or IntegrationMultiple bookkeeping software integrations through the new Knab Boekhoudkoppeling (bookkeeping connection). These partnerships enable automated bank feed synchronization between Knab business accounts and third-party accounting software. Transactions are processed multiple times daily into customers' accounting systems.

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• ING: One of the three major Dutch incumbent banks, offering full-spectrum business and retail banking. Direct overlap with Knab in zzp/SMB business banking, but operates at vastly larger scale with broader product portfolio.
• ABN AMRO: Major Dutch incumbent bank with established business banking franchise. Competes head-on with Knab for Dutch SMB customers but with significantly broader services and physical presence.
• Rabobank: Major Dutch cooperative bank with deep SMB and agricultural banking relationships. Competes for the same Dutch zzp/SMB segment as Knab, but with branch presence and broader product suite.
• Triodos Bank: Dutch sustainable bank offering retail, business, and impact-banking services. Overlaps with Knab in Dutch SMB banking, particularly for mission-driven entrepreneurs, though with a sustainability positioning and broader footprint.

Direct peers

• Moneyou: Dutch online savings brand (part of the Achmea group) offering deposit accounts, term deposits, and simple banking products. Comparable as a digital-only Dutch consumer/SMB bank competing for the same deposit customers as Knab.
• NIBC Direct: Dutch digital savings and deposit bank owned by NIBC Bank, serving retail and SMB savers with online-only accounts. Comparable to Knab as a Dutch digital depository institution focused on simple online banking.
• Bunq: Dutch-headquartered pan-European neobank offering digital current accounts, savings, and business banking. Closest direct competitor to Knab in the Dutch digital-banking market, though bunq targets a broader consumer and SMB base rather than specializing in zzp'ers.
• Brand New Day: Dutch digital investment and pension provider offering beleggen, pensioen, and banking-adjacent products online. Comparable to Knab's pension/investment offerings within a Dutch digital-only context.

Emerging players

• Tide: UK-based SMB-focused digital business bank offering integrated invoicing, bookkeeping, and banking. Highly comparable product thesis to Knab (all-in-one SMB platform) but operating in the UK market.
• Starling Bank: UK digital challenger bank with strong SMB business account offering, including integrated invoicing and expense management. Comparable SMB-banking playbook to Knab, adapted for the UK self-employed and small-business market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/knab.nl
• LinkedInlinkedin.com/company/knab
• Instagraminstagram.com/knab_nl
• Xx.com/knab_nl

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Knab