Source: https://rivet.global/blog/netherlands-usd-account-for-bv
Published: 2026-08-13 · Updated: 2026-08-13 · By Alexia M.

# USD account for a Dutch BV: getting paid by US clients

How a Dutch BV receives and holds US dollars: currency accounts at Dutch banks, US account details for ACH, conversion timing and euro accounting.

## Key takeaways

- Dutch banks offer foreign currency accounts reached by SWIFT, usually with fees on incoming payments.
- US account details in the BV's name let US clients pay by ACH, the way they pay American vendors.
- Holding dollars lets the BV pay dollar costs directly and convert the rest when it chooses.
- Dollar revenue is recorded in euros; keep each conversion's rate and date.

Dutch companies with US clients get the same request as everyone else: "Please send your ACH details." A Dutch IBAN does not work for that.

## Two ways to receive dollars

| | Dollar account at a Dutch bank | US account details |
|---|---|---|
| How the client pays | International wire | ACH or domestic wire |
| Client's cost | Wire fee | Low or none |
| Your cost | Incoming fee, possible conversion | Usually none |

## Why hold dollars

A Utrecht SaaS company earns $27,000 a month from US customers and spends $8,000 in dollars on cloud, tools and a US contractor. Holding dollars pays those costs without converting twice.

## What to send US clients

- US account details on the invoice.
- A W-8BEN-E.
- Your invoice with btw-id and, for services, a note that Dutch VAT does not apply.

## Accounting

Record dollar invoices in euros at the applicable rate and book exchange results at conversion.

## Paying into the Netherlands: the local rail

| What | Detail |
|---|---|
| Local rail | SEPA Instant Credit Transfer |
| Run by | European Payments Council scheme, run by each bank; Dutch banks send nearly all domestic transfers instantly |
| Settlement | Under ten seconds, 24/7 |
| Published fee | By the EU Instant Payments Regulation, no more than the bank charges for a standard SEPA transfer |

Source: [European Payments Council: SEPA Instant Credit Transfer](https://www.europeanpaymentscouncil.eu/what-we-do/sepa-instant-credit-transfer). Checked when this guide was last updated; the scheme's own page has the current figures.

## Where Rivet fits

Rivet gives registered companies US account details in their own name on the free Starter plan, plus EUR and GBP details on Growth, with conversion shown before you confirm. Check our eligibility list for Dutch companies. Rivet is not a bank; regulated partner institutions hold the funds. See [USD account details explained](/blog/usd-account-details-explained).

## Questions

### Can a BV hold US dollars?

Yes. Dutch banks and fintech providers offer USD accounts. Check whether you get US details for ACH.

### What do US clients need?

US account details, your invoice, and usually a W-8BEN-E documenting that the BV is a foreign entity.

### Is ACH faster than SWIFT?

ACH usually settles in one to two business days and arrives in full. SWIFT can take one to three days and lose fees on the way.

### How does this affect Dutch tax?

Profit is in euros unless you have a functional currency approval. Exchange results count.