Freenance for Dutch Users 2026 — PFM App with ING, Rabobank, ABN AMRO, Bunq Sync and Box 3 Wealth Tax Tracking

Freenance for Dutch Users 2026 — A PFM App That Speaks ING, Rabobank and ABN AMRO

The Netherlands has the highest banking concentration of any large European market — the so-called Big Four (ING, Rabobank, ABN AMRO, plus de Volksbank with brands like SNS and ASN) hold around 90% of retail deposits. But that concentration hides a different fragmentation: by 2026, the median Dutch household holds a traditional Big Four account, a Bunq sub-account, a DEGIRO depot, a Trade Republic app, an AOW pension projection, plus a pension pot at PFZW or ABP.

Freenance is the PFM app many Dutch users now use to pull all of this into one coherent dashboard, with explicit support for the two things that uniquely complicate Dutch personal finance: Box 3 wealth tax and AOW pension projections.

Why Dutch Households Need Aggregation in 2026

The Hidden Fragmentation

Dutch consumers do not look fragmented on the surface — most households still keep their salary at one of the Big Four. But scratch the surface and you find:

• Daily betaalrekening at ING, Rabobank, ABN AMRO, or SNS
• A Bunq Pro account for shared household costs and sub-savings
• A DEGIRO depot (Flatex Bank N.V.) for shares and ETFs
• A Trade Republic depot for the same
• A Knab spaarrekening from a tax-refund window in 2022
• A pension pot at PFZW (zorg), ABP (overheid), or PMT (metaal) accumulated across employers
• A small AEGON or NN Group lijfrente from a self-employed period
• 4,000 EUR in crypto on Bitvavo

Pulling all of this into one net worth number is impossible by hand. PSD2 makes it automatic for the bank balances; Freenance fills the gap for the investment and pension layers.

PSD2 in the Netherlands

The Dutch central bank (De Nederlandsche Bank, DNB) supervises PSD2 access. Every Dutch bank operates a regulated XS2A interface that licensed AISPs can query with explicit user consent. Freenance connects to:

• ING Bank
• Rabobank
• ABN AMRO
• SNS Bank, RegioBank, ASN Bank (de Volksbank brands)
• Bunq
• Knab
• Triodos Bank
• Revolut NL with a Dutch IBAN
• N26 with a Dutch IBAN
• Van Lanschot Kempen (limited retail product)

For DEGIRO, Trade Republic, BUX, Bitvavo, and Saxo, Freenance ingests structured CSV exports. Many Dutch users find this is the first time they have seen Bunq, ING, DEGIRO, and Trade Republic in one screen.

Box 3: The Tax That Forces Dutch Households to Track Net Wealth

How Box 3 Works in 2026

Dutch tax has three boxes:

• Box 1: income from work and primary home (progressive, up to 49.5% in 2026)
• Box 2: substantial shareholder income (24.5%-31%)
• Box 3: income from savings and investments (deemed return system)

Box 3 is unique to the Netherlands. Instead of taxing actual investment gains, the state taxes a deemed return on the value of assets held on 1 January each year. After the 2021 Supreme Court ruling (Christmas Arrest) that struck down the previous system, the Dutch government moved to a transitional regime with separate deemed returns for cash, investments, and debt.

For 2026, the headline numbers are:

• Deemed return on cash and savings: roughly 1.44%
• Deemed return on investments (shares, bonds, crypto, second homes): roughly 6.04%
• Deemed return on debt: roughly 2.62% (deductible)

The deemed return is then taxed at 36% in Box 3. Effective Box 3 tax on investments is therefore around 2.17% of asset value per year.

There is a heffingsvrij vermogen (tax-free wealth) of 57,684 EUR per person (115,368 EUR per couple) for 2026.

Why Box 3 Visibility Matters

Box 3 is calculated on the snapshot value on 1 January. This single date matters enormously. A Dutch household that has 200,000 EUR in DEGIRO ETFs on 1 January pays roughly:

• Excess wealth above heffingsvrij: 200,000 − 57,684 = 142,316 EUR
• Deemed return at 6.04%: 8,596 EUR
• Box 3 tax at 36%: 3,095 EUR

This is a meaningful cash bill that the household must plan for. Freenance lets users tag each account as cash, investment, or debt, and shows the projected Box 3 liability based on current balances. Many Dutch users find that having a running estimate of next year's Box 3 bill changes how they manage cash positions in December.

The Werkelijk Rendement Regime (Coming 2027)

The Dutch government has announced plans to move Box 3 to a werkelijk rendement (actual return) regime from 2027 onwards. This will require households to declare actual realized and unrealized gains, dividends, and interest per asset class.

Freenance is being built to support this transition: every transaction is already tagged with cost basis, dividend amount, realized vs unrealized gain, and asset class. When the new regime arrives, Dutch users will have a clean year-by-year record ready to declare. Many Dutch users find this future-proofing valuable now, even if the regime is still a year away.

AOW, Pillar 2, and Pillar 3: The Three Pension Layers

Pillar 1: AOW (Algemene Ouderdomswet)

AOW is the universal Dutch state pension. The age at which AOW starts rises with life expectancy: for 2026 it is 67 years and 3 months, and is projected to reach 68 by the early 2030s. The monthly AOW amount in 2026:

• Single household: roughly 1,575 EUR gross per month
• With partner: roughly 1,080 EUR gross per month per person

Freenance lets users add the projected AOW as a future income stream so retirement runway includes the state pension.

Pillar 2: Occupational Pension (werknemerspensioen)

Most Dutch employees contribute to an occupational pension via a sectoral fund. The largest:

• ABP (government, education) — over 3 million members
• PFZW (healthcare and welfare) — over 2.5 million members
• PMT (metal and engineering)
• PME (metalworking and electronics)
• bpfBOUW (construction)
• Algemeen Pensioenfonds Stap, PFZW, plus dozens of bedrijfstakpensioenfondsen

The Wet toekomst pensioenen (new pension law) came into effect in 2023 with a transition window running through 2027. Most funds are now individual-account-based (premieovereenkomst). The annual UPO (Uniform Pensioenoverzicht) shows the accumulated pot.

Freenance lets users record their Pillar 2 pot balance and contribution rate, then projects the expected retirement income at AOW age.

Pillar 3: Individual Pension (lijfrente)

Self-employed Dutch workers, ZZPers, and employees with a pension gap use lijfrentes (annuity products) for tax-deductible retirement saving. Contributions are deductible up to the jaarruimte (annual room), which depends on income and existing pension build-up. Common providers: Brand New Day, DeGiro Pensioen, Aegon Cappital, NN Group.

Freenance tracks lijfrente contributions against the jaarruimte ceiling so users do not over-contribute (which would mean non-deductible euros).

DEGIRO, Trade Republic, and the Dutch Investor Stack

DEGIRO: The Dutch Default Broker

DEGIRO, originally a Dutch broker now wholly owned by Flatex Bank N.V., is the default European brokerage for many Dutch households. It offers cheap access to ETFs and shares across global exchanges, with the trade-off that it does not withhold Dutch dividend tax on foreign shares — the user must declare it on their aangifte.

Freenance imports DEGIRO transactions via the structured Account statement CSV. Many Dutch users find this is the first time they have seen their realized and unrealized gains separated by asset class.

Trade Republic

Trade Republic launched in the Netherlands in 2023 and grew rapidly. It pays interest on cash balances (currently 2.5-3.0% gross) which makes it competitive against ING and Rabobank savings rates. Freenance ingests Trade Republic CSV exports the same way it does for German users.

Bitvavo and Crypto

Bitvavo (Amsterdam-based) is the dominant Dutch crypto exchange, with over 1.5 million Dutch users. Crypto is taxed in Box 3 as investment, so the value on 1 January is what matters — even if the user did not realize any gain. Freenance imports Bitvavo CSV exports.

How Dutch Users Typically Use Freenance

Persona 1: The Amsterdam Product Manager

Sanne, 31, works for a tech scale-up in Amsterdam. She earns 78,000 EUR gross, lives with her partner, and has a daily account at ING, a Bunq Pro for shared expenses, a DEGIRO depot with 42,000 EUR, a Trade Republic depot with 8,000 EUR, and a PFZW pension pot from her years in healthcare.

She uses Freenance to:

• Track total net worth across ING, Bunq, DEGIRO, and Trade Republic
• Monitor projected Box 3 liability for next year
• Watch her heffingsvrij vermogen utilization (combined with her partner)
• Project retirement runway combining PFZW pot + projected AOW + DEGIRO investments

Persona 2: The Utrecht ZZP'er

Joris, 39, is a freelance backend engineer (ZZP) billing around 120,000 EUR per year through his eenmanszaak. His business account is at Knab Zakelijk, his personal betaalrekening at Rabobank, his investments at DEGIRO, and his lijfrente at Brand New Day.

He uses Freenance to:

• Separate Knab Zakelijk (business) flows from Rabobank (personal) flows
• Track quarterly BTW (VAT) obligations against actual revenue
• Monitor lijfrente contributions against jaarruimte
• Estimate Box 3 liability separately for his private wealth (DEGIRO + Rabobank savings)

Persona 3: The Eindhoven Expat Family

Carlos and Beatriz moved from Madrid to Eindhoven on a 30%-ruling contract three years ago. They hold a Spanish BBVA account with 12,000 EUR, an ING account in the Netherlands, a Bunq joint account, a DEGIRO depot, and Beatriz has a Trade Republic from her Berlin years.

They use Freenance to:

• Display total household net worth in EUR with the BBVA balance refreshed daily
• Plan whether the 30%-ruling rolloff in 2027 will affect their cash flow
• Track Toeslagen (zorgtoeslag, huurtoeslag) inflows separately from salary
• Run scenarios on buying a house in Eindhoven vs continuing to rent

DNB Compliance and Data Protection

Dutch users tend to be especially privacy-conscious. Freenance addresses this directly:

• PSD2 access delegated to certified AISP infrastructure regulated under EU PSD2
• Data storage in EU-only data centres (Frankfurt and Warsaw)
• No credentials stored: read-only consent tokens, refreshed every 90 or 180 days per PSD2 SCA rules
• Full data export in CSV and JSON under GDPR Article 20
• AVG-compliant (Dutch GDPR) privacy notices

Many Dutch users find this regulatory clarity is what distinguishes Freenance from US-based apps.

Multi-Currency for the Cross-Border Dutch Household

Many Dutch households have cross-border exposure:

• Belgian commuters working in Maastricht or Roosendaal
• German cross-border workers in Enschede or Venlo
• Expats from Spain, India, Italy, Portugal under the 30%-ruling

Freenance is EUR-native but displays multi-currency balances with daily ECB rates. The net worth tile supports EUR, USD, GBP, and other currencies — useful for households holding US shares on Trade Republic or DEGIRO.

Sign up for Freenance

If you live in the Netherlands and you hold more than three financial institutions in your household — and almost every household does once you count ING, Bunq, DEGIRO, and Trade Republic — Freenance gives you one view across all of them, plus the Box 3 estimate you need every November before the 1 January snapshot date. Sign up for Freenance today.

How Freenance Compares to Wallet, Tikkie, and Excel

Wallet (BudgetBakers)

Wallet is a Czech PFM app with PSD2 coverage in the Netherlands. It is good at budgeting but light on investment tracking and does not handle Box 3 forecasting.

Tikkie

Tikkie is a peer-payment app from ABN AMRO, not a PFM. Useful for splitting bills, not for tracking net worth.

Excel and Google Sheets

Many Dutch households maintain a spreadsheet. It works — until the household has eight institutions and a Box 3 estimate to track. At that point automation pays for itself.

Many Dutch users find Freenance is the first product that combines PSD2 bank coverage with Box 3 forecasting, AOW projection, and FIRE-style runway analytics.

Frequently Asked Questions

Does Freenance work with my Bunq sub-accounts?

Yes. Bunq has a strong PSD2-compatible API, and Freenance retrieves all sub-accounts (Easy Money, Easy Savings, Easy Travel) as separate entries. Many Dutch users find this is more granular than what they see inside the Bunq app itself for monthly accumulation tracking.

Will Freenance file my aangifte inkomstenbelasting?

No. Freenance is a data and analytics platform, not a tax preparation service. It surfaces Box 3 inputs in a structured format that many users find useful when preparing the aangifte themselves or providing it to a tax adviser.

Can I track my pension pot at ABP or PFZW?

Yes, manually. ABP and PFZW do not yet offer PSD2-style APIs for pension data, so users enter the pot balance from the UPO and contribution rate manually. Freenance projects the future payout based on the user's inputs.

Does Freenance handle the Box 3 deemed return calculation?

Yes. Freenance applies the current-year deemed return percentages (1.44% on cash, 6.04% on investments, 2.62% on debt) to the snapshot balance on 1 January and shows the projected Box 3 tax at 36%. The figures will be updated when the Dutch government publishes the 2027 werkelijk rendement rules.

Is my data stored in the Netherlands?

Freenance stores user data in EU data centres (Frankfurt and Warsaw). No financial data leaves the EU. The privacy policy details data residency.

Sign up for Freenance

Dutch banking looks simple from the outside (four big banks plus Bunq) but the moment you add DEGIRO, Trade Republic, Bitvavo, a pension pot, and a Box 3 estimate, the picture explodes. Freenance is the simplest way to pull it all back together. Sign up for Freenance and connect your first Dutch bank in under five minutes.

Further Reading

• Freenance for expats — the cross-border household guide
• Freenance for investors — multi-broker portfolio aggregation
• Freenance for retirees — pension and runway planning

Sign up for Freenance

Box 3 changes every year and werkelijk rendement is coming in 2027. The Dutch households that will adapt fastest are the ones with clean, structured data already in place. Sign up for Freenance today.