Compare NOWE accounts
side by side
Find the bank card that fits your needs
NOWE Classic
The free bank account for
freelancers with cashback
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Virtual card
Free
Open a bank accountNOWE Platinum
The free bank account for
freelancers with cashback
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Virtual card
€24.99/month
Open a bank accountNOWE Black
The free bank account for
freelancers with cashback
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Virtual card
€79.99/month
Open a bank accountCards
| Virtual card | ✓ | ✓ | ✓ |
| Physical card | — | ✓ | ✓ |
| Contactless payments | ✓ | ✓ | ✓ |
| International payment (real exchange rate) | ✓ | ✓ | ✓ |
| Fee-free withdrawals up to X €/month | (2 free withdrawals) | ✓ (up to €400) | ✓ (up to €400) |
| Replacement card | Free | Free 1x/year | Unlimited free replacements |
Account features
| European local IBAN (NL) | — | ✓ | ✓ |
| Multi-currency accounts (EUR, GBP, USD, SAR) | ✓ | ✓ | ✓ |
| Instant SEPA transfers | ✓ | ✓ | ✓ |
| SWIFT transfers | ✓ (5€) | ✓ (2€) | ✓ (free) |
| Real-time notifications | ✓ | ✓ | ✓ |
| Sub-accounts / budgets | — | ✓ | ✓ |
| Multi-user accounts | — | ✓ | ✓ |
| API / Accounting integration | — | ✓ (CSV export) | ✓ (Full API) |
Insurance and benefits
| Purchase / payment insurance | — | ✓ | ✓ |
| International travel assistance | — | ✓ | ✓ |
| Airport lounge access | — | — | ✓ |
| Partner cashback | — | ✓ (1%) | ✓ (2%) |
| 24/7 priority customer support | — | ✓ | ✓ (Dedicated WhatsApp) |
Security
| Two-factor authentication (2FA) | ✓ | ✓ | ✓ |
| Instant card freeze / unfreeze | ✓ | ✓ | ✓ |
| Automatic fraud detection | ✓ | ✓ | ✓ |
| Biometric management (FaceID / TouchID) | ✓ | ✓ | ✓ |
Monthly pricing
| Monthly fee | Free | €24.99/month | €79.99/month |
NOWE Classic
The free bank account for
freelancers with cashback
Virtual card
Free
Open a bank accountCards
| Virtual card | ✓ |
| Physical card | — |
| Contactless payments | ✓ |
| International payment (real exchange rate) | ✓ |
| Fee-free withdrawals up to X €/month | (2 free withdrawals) |
| Replacement card | Free |
Account features
| European local IBAN (NL) | — |
| Multi-currency accounts (EUR, GBP, USD, SAR) | ✓ |
| Instant SEPA transfers | ✓ |
| SWIFT transfers | ✓ (5€) |
| Real-time notifications | ✓ |
| Sub-accounts / budgets | — |
| Multi-user accounts | — |
| API / Accounting integration | — |
Insurance and benefits
| Purchase / payment insurance | — |
| International travel assistance | — |
| Airport lounge access | — |
| Partner cashback | — |
| 24/7 priority customer support | — |
Security
| Two-factor authentication (2FA) | ✓ |
| Instant card freeze / unfreeze | ✓ |
| Automatic fraud detection | ✓ |
| Biometric management (FaceID / TouchID) | ✓ |
Monthly pricing
| Monthly fee | Free |
NOWE Platinum
The free bank account for
freelancers with cashback
Virtual card
€24.99/month
Open a bank accountCards
| Virtual card | ✓ |
| Physical card | ✓ |
| Contactless payments | ✓ |
| International payment (real exchange rate) | ✓ |
| Fee-free withdrawals up to X €/month | ✓ (up to €400) |
| Replacement card | Free 1x/year |
Account features
| European local IBAN (NL) | ✓ |
| Multi-currency accounts (EUR, GBP, USD, SAR) | ✓ |
| Instant SEPA transfers | ✓ |
| SWIFT transfers | ✓ (2€) |
| Real-time notifications | ✓ |
| Sub-accounts / budgets | ✓ |
| Multi-user accounts | ✓ |
| API / Accounting integration | ✓ (CSV export) |
Insurance and benefits
| Purchase / payment insurance | ✓ |
| International travel assistance | ✓ |
| Airport lounge access | — |
| Partner cashback | ✓ (1%) |
| 24/7 priority customer support | ✓ |
Security
| Two-factor authentication (2FA) | ✓ |
| Instant card freeze / unfreeze | ✓ |
| Automatic fraud detection | ✓ |
| Biometric management (FaceID / TouchID) | ✓ |
Monthly pricing
| Monthly fee | €24.99/month |
NOWE Black
The free bank account for
freelancers with cashback
Virtual card
€79.99/month
Open a bank accountCards
| Virtual card | ✓ |
| Physical card | ✓ |
| Contactless payments | ✓ |
| International payment (real exchange rate) | ✓ |
| Fee-free withdrawals up to X €/month | ✓ (up to €400) |
| Replacement card | Unlimited free replacements |
Account features
| European local IBAN (NL) | ✓ |
| Multi-currency accounts (EUR, GBP, USD, SAR) | ✓ |
| Instant SEPA transfers | ✓ |
| SWIFT transfers | ✓ (free) |
| Real-time notifications | ✓ |
| Sub-accounts / budgets | ✓ |
| Multi-user accounts | ✓ |
| API / Accounting integration | ✓ (Full API) |
Insurance and benefits
| Purchase / payment insurance | ✓ |
| International travel assistance | ✓ |
| Airport lounge access | ✓ |
| Partner cashback | ✓ (2%) |
| 24/7 priority customer support | ✓ (Dedicated WhatsApp) |
Security
| Two-factor authentication (2FA) | ✓ |
| Instant card freeze / unfreeze | ✓ |
| Automatic fraud detection | ✓ |
| Biometric management (FaceID / TouchID) | ✓ |
Monthly pricing
| Monthly fee | €79.99/month |