The verdict
You need a bank account either way, so the choice is really about what you are missing. If you have no business account, or want a bank your accountant and the tax authority know and a relationship with an adviser, look at Rabobank. If you already bank somewhere and your books are late, look at Exact Online. Before you switch banks or bookkeeping tools, check that the bank connection you need is supported on both sides. Do not build your own bank connection through the bank's APIs. Go through your bookkeeping tool or a licensed provider.
Side by side
| At a glance | ||
|---|---|---|
| Starts at | €49/mo | $10.85/mo |
| Free plan | No | No |
| API | Yes | Yes |
| MCP server | No | |
| Links |
Plans and pricing
Exact Online
- Essentials€49/mo
- Plus€99/mo
- Professional€159/mo
- Premium€299/mo
Rabobank
- Standard$10.85/mo
Who each is for
Choose Exact Online if…
Pick Rabobank if you need the account itself. It is a cooperative bank with a long track record in the Dutch market, and its business account bundle comes with SEPA and iDEAL payments. Freelancers can take the ZZP account, which has no fixed cost and charges only per transaction. Read the fee table, because fees come in several parts, including one tied to your legal form. Allow time for onboarding, since identity and company checks take paperwork. Its payment and account APIs need an eIDAS QSEAL certificate and licensed status, so most small businesses will not use them directly.
Choose Rabobank if…
Pick Exact Online if the bank account is fine and the books are the problem. Invoices arrive by email, bank lines need matching, VAT returns are due and your accountant keeps asking for the same files. Exact handles bookkeeping, invoicing, VAT and ICP filing and bank processing, with AI agents for purchase invoices and bank matching. It works best when your accountant already uses it. Plans differ by users, administrations, bank connections and invoices, so list yours before you compare.
Other options worth a look
Cloud accounting from Intuit for invoicing, expenses, bank feeds and reports, with a free plan and four paid tiers.
Cloud accounting with invoicing, bank reconciliation and reports, with no per-user licence fees on any plan.