Tellow
5.9/10Dutch bookkeeping app for self-employed workers (zzp'ers). It combines a business account, invoicing, receipt scanning, automatic VAT filing and optional accountant-prepared tax returns.
Data last updated November 2026 · Our methodology
Overview
Tellow is an online bookkeeping tool built for Dutch sole traders and micro businesses. It is now run by Shine Netherlands B.V. within the Ageras group. It began as a Rabobank moonshot project around 2015, and Ageras acquired it in 2020. The product pairs bookkeeping with a business account that includes a Dutch IBAN and a debit card. Transactions from Dutch banks import automatically and are categorised. Users can scan receipts, create branded invoices and quotes, and track hours and mileage. VAT is calculated as you go. The Plus plan files the VAT return straight to the Belastingdienst and helps prepare the income tax return. Pricing has four tiers, all shown excluding VAT. The free plan is capped at 3 invoices and 20 receipts a month. Basis costs 12.99 euros a month and Plus 22.99 euros a month. Compleet costs 69.99 euros a month on a yearly subscription and adds an accountant who prepares and checks your business and private tax returns. Annual billing is advertised at up to 45 percent off, and payment-request fees are lower on the higher tiers. Tellow suits Dutch freelancers who want bookkeeping and tax filing in one place, including English speakers. Reviewers say the support team speaks fluent English. Its main limitation is its narrow scope. It is built around Dutch tax rules, and users report no multi-currency bookkeeping. It has no payroll, no inventory and no multi-entity support, so it is not a fit for growing companies with staff or for businesses operating internationally.
Our Rating
Who Tellow is best for
Good fit
Built specifically for Dutch zzp'ers, with VAT and income tax filing included.
Solo consultants can bill hours from tracked time and file VAT automatically.
Less suited
Suits Dutch micro businesses, but it has no payroll or inventory features.
- Enterprise1/10
It has no multi-entity, payroll or advanced controls.
Pros & Cons
Pros
- The Plus plan files the VAT return to the Belastingdienst automatically, which saves Dutch freelancers manual tax work.
- The free plan includes a business IBAN and debit card, so very small sole traders can start without paying.
- Trustpilot reviewers (4.3 out of 5 from 156 reviews) often praise fast support, including in English for expats.
- The Compleet plan has accountants prepare and check both the business and private tax returns for a fixed monthly fee.
Cons
- Reviewers report there is no multi-currency or dual-currency bookkeeping.
- Payments from outside the SEPA area were reported as not processed.
- Some users find the mobile app slow to load.
- The free plan is tightly capped at 3 invoices and 20 receipts a month.
- It has no payroll, inventory or multi-entity support, and it is Netherlands-only.
Key Features
Not included
- Multi-currency
Tellow Pricing
Gratis
- Bank linking
- Invoicing (3 per month)
- Automatic VAT calculation
- Receipt scanning (20 per month)
- Dutch IBAN, virtual card and free debit card
- Payment requests at 0.5% plus 0.29 euros (fee mapping inferred from the comparison table)
Basis
- Price excludes 21% VAT
- Full transaction overview
- Unlimited receipt storage
- Unlimited branded invoices
- Automatic payment reminders
- Priority help with questions
- Payment requests at 0.25% plus 0.29 euros (fee mapping inferred from the comparison table)
Plus
- Phone support
- Unlimited users
- Quotes with approval
- Multiple bank accounts
- Price excludes 21% VAT
- Automatic VAT return filing
- Automatic money set aside for tax
- KVK checks on customers and suppliers
- Automatic payment of incoming invoices
Compleet
- Yearly subscription
- Price excludes 21% VAT
- Direct access to an accountant
- Phone support from 09:00 to 21:00
- Free start meeting and switching service
- VAT and income tax returns prepared and checked by accountants
Frequently Asked Questions
The Gratis plan is free with no time limit, and the paid plans come with a 14-day money-back guarantee.
No. All listed prices exclude 21% VAT. Annual billing is advertised at up to 45 percent off the monthly price.
The Plus plan files the VAT return automatically. On the Compleet plan, accountants prepare both the VAT and income tax returns.
Tellow says it connects to every Dutch bank and imports transactions automatically. It also includes its own business account.
Trustpilot reviewers say it does not support multi-currency bookkeeping.
Ageras acquired Tellow in 2020, and it is now operated by Shine Netherlands B.V.
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