The Accountable Free plan gives you access to essential tools to manage your business finances directly from the mobile app. You can track income, send invoices, and keep an overview of your bookkeeping, while some advanced features are reserved for paid plans.
Below is a detailed guide organised by feature area: Banking, Revenues, Expenses and Taxes.
💳 Banking
✅ What you can do
1. Connect your bank account
Connecting your business bank account allows you to:
Automatically sync all your transactions
Classify each transaction so your bookkeeping stays up to date
How to connect your bank account
You can connect your bank account in two ways:
From the Bank screen
Go to the blue "Bank Account" screen
Select your bank under "Select a bank". Use the search field if needed.
From the Settings
Open Settings
Go to Bank settings
Click "Add new bank account"
2. Classify transactions
With the Free plan you can:
Encode and classify unlimited income transactions
Encode up to 5 expenses per month (included in your profit calculation)
Tip: Plan carefully which expenses you want to encode. The Free plan limits bookkeeping to 5 expenses per month.
Classify an income ⏬
 | Classify an expense ⏬
 |
3. Open your free Accountable bank account
With Accountable Banking, you can open a business bank account directly in Accountable.
Accountable Banking allows you to:
Open a free business account with a Belgian IBAN
Make and receive payments without leaving the app
Automatically set aside money for VAT, taxes and other expenses using Spaces
Add your virtual debit card to Apple Pay or Google Pay
Manage both banking and bookkeeping in one place
Most banking features are 100% free, regardless of your Accountable plan. However, some operations may include fees charged by our banking partner Swan, for example:
ATM withdrawals within SEPA: approximately €1
International transfers or non-EUR currencies: fees depend on the amount and destination
Physical debit card: €7.50 (included for free in the MAX plan)
How to open an Accountable bank account
You can start the process in two ways:
Click on the Accountable Banking banner displayed in your account and follow the steps  | Go to your settings, click on bank settings, then on "Open your Accountable business account".  |
❌ What's not available on the Free plan
The following banking features are not included in the Free plan:
The Cash Available feature, which shows how much money you can safely spend after setting aside taxes
Unlimited expense transactions beyond the 5 per month limit
Connecting more than one bank account
🧾 Revenues
✅ What you can do
Create unlimited invoices
With the Free plan, you can create an unlimited number of invoices.
To create an invoice:
Click on the “+” button on your screen
Select Create invoice
Choose an existing client or create a new one
Add an item from your catalogue or create a new item
Preview the invoice
Save it or send it directly
2. Send an invoice by email or via Peppol
Using Peppol is free with Accountable. You can register, send and receive invoices without any limitation.
When sending an invoice, you can choose to send it:
By email
Via Peppol
Or both
Accountable automatically checks:
Whether you are registered on Peppol
Whether your client is registered on Peppol
3. Edit the email message
When sending an invoice by email, you can:
Edit the message
Attach additional documents
Save the message as a template for future invoices
4. Use shortcuts to send or delete invoices
You can manage invoices quickly using swipe actions:
Swipe left on an invoice to delete it
Swipe right on an invoice to send it (only available if the invoice has not been sent yet), or to send a payment reminder if the invoice was sent but not yet paid
5. Create installment invoices
Installment invoices let you divide a project into multiple invoices, making it easier for clients to pay large projects in stages while keeping your accounting organised.
How to create an installment invoice
1. Create a new invoice and activate the Installments option.  | 2. Open the first invoice of the project and click Create next invoice. You can create:
 |
Repeat the process until the last installment is created.  |
6. Add non-invoice revenue and get paid by QR code
With Accountable, you can generate a payment QR code directly from the Revenue screen to receive instant payments.
To do this:
Tap Add non-invoice revenue
Enter the amount and details
Select the bank account where you want to receive the payment
Accountable automatically generates a QR code containing the payment information.
Your client can scan the QR code using their banking app to pay immediately. Once the payment is received, Accountable marks it as "Payment received", so you can save and register the revenue in seconds.
This keeps your accounting up to date without any extra steps.
7. Issue a credit note
You can create a credit note in two ways:
Create a credit note from scratch
 | Create a credit note from an existing invoice
 |
All these actions are available from the Revenue screen.
❌ What's not available
Invoice customisation is limited in the Free plan.
You cannot:
Change the invoice language
Modify fonts or colours
Add custom terms and conditions
Create quotes
Create recurring invoices
These features are available in paid plans.
🧾 Expenses
✅ What you can do
Import an invoice and review it
To import an expense:
Go to the Expenses screen
Click on the "+" button in the bottom-right corner
You will see several options:
Scan (take a picture)
Import a picture
Import a document
 |  |
Once uploaded, Accountable automatically analyses the document and pre-fills the expense details.
All you need to do is:
Verify that the information is correct
Link the payment if it exists
 |  |
2. Add a recurring expense
The Recurring Expenses feature automatically records regular payments, such as:
Rent
Insurance
Phone bills
Subscriptions
When creating the first expense:
Click on the double arrow icon
Choose the frequency
Set the start and end date
Choose whether to copy the same attachment
 |  |
 |  |
You can recognise recurring expenses by the recurring icon:
Next to the expense date in the details screen
In the main Expenses screen
3. Encode an expense in another currency
If you purchase goods or services from international suppliers, the invoice may be issued in another currency.
Accountable usually detects the currency automatically, but you can change it manually if needed.
How to change the currency
Click on the three dots in the top-right corner
Select Change currency
Choose the correct currency
You will also see the exchange rate applied.
 |  |  |
4. Export the XML file of a Peppol invoice
With Peppol, attaching a PDF file is not mandatory. The XML file already contains all the official invoice data.
Some providers automatically include a PDF version, but others only send the XML file.
If you did not receive a PDF, you can request one from the sender. The XML file is legally sufficient.
You can download the XML file directly from the Expenses screen.
❌ What's not available
The Free plan allows you to encode up to 5 expenses per month.
You can receive unlimited invoices through Peppol, but only 5 expenses per month can be reviewed and included in your bookkeeping.
This limit also applies to:
Imported invoices
Scanned receipts
To remove this limit, upgrade to the Bookkeeping plan.
📊 Taxes
✅ What you can do
You can view:
Your tax calendar (per year and quarter), your profit before taxes, and an overview of VAT you owe
This information helps you estimate how much money to set aside for tax payments.
To improve the accuracy of these estimates, make sure your settings are correctly configured.
Click the Settings icon in the top-right corner
Complete the information requested in the settings menu
2. Social contributions
You can also configure your social contributions to improve the accuracy of your tax estimates.
To do this:
Click on a quarter in the tax overview
Select Social contributions
Answer the questions provided
 |  |
❌ Not available in Free
The Free plan does not include:
Tax optimisation tips
Filing of tax declarations
Income tax return
VAT returns
Client listing
Intracom listing
📤 Additional features
✅ What you can do
You can find additional features in the menu (three bars in the top-left corner of the app).
Export your data
You can export:
The original documents
An Excel file
Additional export formats are available in paid plans.
2. Share access with your accountant
You can give your accountant access directly from the app.
This access is completely free for your accountant as well.
3. Main settings
From the settings menu you can configure:
Car settings
Personal settings
Bank settings
Access and permissions
Language preferences
❌ Not available in Free
Advanced downloadable reports
Direct access to tax coaches
📱 Mobile app only
The Free plan is mobile only. Web and desktop access are included in paid plans.
🚀 Want more features?
If your business grows and you need:
Unlimited expense encoding
Quotes
Full tax filing automation
Better invoice customisation
And many other features
See all Accountable plans and pricing. Not sure which plan to choose? Have a look at our guide to choosing the right Accountable plan.