✓ Updated May 2026 · 2 Knab cards compared

Knab Credit Card Netherlands 2026: Ideal for Freelancers

Knab is a Dutch digital bank focused on freelancers and individuals. Their credit card requires no BKR check — a major advantage for self-employed professionals. This guide covers everything about Knab credit cards in 2026.

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Who is Knab?

Knab (which is “bank” spelled backwards) is a Dutch online bank and part of the Aegon Group. Founded in 2012, Knab focuses on digital banking with a strong emphasis on freelancers (ZZP-ers) and entrepreneurs. Unlike traditional Dutch banks, Knab takes a more flexible approach to credit card applications — no BKR credit check required.

Knab offers both personal and business banking and credit card solutions. With a fully digital onboarding process, Knab is one of the fastest-growing online banks in the Netherlands. Their focus on transparent pricing and modern app functionality makes them a popular choice for the self-employed and digitally savvy consumers.

Knab Credit Card Details

Knab offers a Visa credit card at €3.29/month (€39.48/year). No BKR credit check is performed. A Knab current account is required. The card offers worldwide Visa acceptance, travel expense coverage, and integration with the Knab app.

Knab also provides accounting software integrations useful for freelancers (Exact, Moneybird, Twinfield). These integrations allow automatic transaction categorisation, making bookkeeping significantly easier for self-employed professionals. The Knab app gives real-time spending overviews and allows you to set limits directly from your smartphone.

Knab for Freelancers

Knab is particularly popular among Dutch freelancers. Many self-employed professionals struggle to get credit cards from traditional banks due to irregular income. Knab’s approach is more flexible: they accept variable income, don’t perform BKR checks, and offer business account + credit card combinations ideal for separating business and personal expenses.

Automated VAT (BTW) calculation tools and accounting integrations make it practical for freelancers. Whether you invoice clients monthly or quarterly, Knab’s tools help you stay on top of your finances. The ability to link your Knab credit card spending directly to your accounting software means less manual work and fewer mistakes at tax time.

Costs and Requirements

Monthly fee: €3.29/month (€39.48/year). Requires an active Knab account. No BKR credit check. More flexible income requirements than traditional banks.

Knab’s transparent pricing means no hidden fees for standard usage. Foreign transaction fees may apply when using the card outside the Netherlands — check the current Knab tariff sheet for exact rates. The combination of no BKR check and flexible income acceptance makes Knab one of the most accessible credit card options in the Netherlands for non-traditional earners.

Knab Cards Compared 2026

Knab Creditcard Personal

Knab Creditcard Personal

Knab · Visa

€3.29/mo
€39.48/year
PROS
✓ No BKR credit check
✓ Freelancer-friendly
✓ Knab app integration
✓ Travel expense coverage
CONS
✗ Monthly fee applies
✗ Knab account required
✗ Foreign transaction fees
⚡ View Knab Creditcard
Knab Business Creditcard

Knab Business Creditcard

Knab · Visa Business

€3.29/mo
€39.48/year
PROS
✓ No BKR credit check
✓ Business accounting integration
✓ VAT separation tools
CONS
✗ Knab business account needed
✗ Monthly fee applies
✗ Limited rewards program
⚡ View Knab Business

Frequently Asked Questions about the Knab Credit Card

Does Knab perform a BKR credit check?+
No, Knab does not perform a BKR credit check for their credit card. This makes Knab particularly attractive for freelancers and self-employed individuals who may have a BKR registration or irregular income. It’s one of the key reasons Knab is so popular among ZZP-ers in the Netherlands.
Do I need a Knab account to get the credit card?+
Yes, you need an active Knab current account to apply for a Knab credit card. You can open a Knab account online in a short time before applying for the credit card. The entire process is fully digital and can be completed through the Knab app.
Is Knab suitable for freelancers?+
Yes, Knab is one of the best credit card options for Dutch freelancers (ZZP-ers). Knab accepts variable income, does not perform BKR checks, and offers accounting integrations with Exact, Moneybird, and Twinfield useful for self-employed professionals. The ability to separate business and personal expenses is a significant advantage.
What is the relationship between Knab and Aegon?+
Knab is a fully owned subsidiary of Aegon, the large Dutch financial services group. Aegon acquired Knab in 2012 when the bank was founded. Your deposits at Knab fall under the Dutch deposit guarantee scheme (up to €100,000), providing security for your funds.
Can I use the Knab credit card abroad?+
Yes, the Knab credit card is a Visa card accepted worldwide at millions of locations. Foreign transaction fees may apply, so check the current Knab tariff sheet for exact costs when using the card outside the Netherlands. For frequent international travellers, comparing Knab with neobanks like Revolut may be worthwhile.
What does the Knab credit card cost?+
The Knab credit card costs €3.29 per month (€39.48 per year). This flat monthly fee covers worldwide Visa acceptance, travel expense coverage, and integration with the Knab app and accounting software. There are no hidden costs for standard domestic usage.
How do I apply for a Knab credit card?+
You can apply for a Knab credit card through the Knab app or website after opening a Knab current account. The application is fully digital. You will need to provide income details; no BKR check is performed. The card typically arrives within a few business days after approval.
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