Smoothing
Set the number you want to pay yourself each month. Vaart holds back the good months and tops up the quiet ones from your own buffer. It's your money, on a schedule you chose.
Coöperatieve bank · Antwerpen & Amsterdam
Money that moves at your pace.
Vaart is a cooperative bank for people who invoice rather than get paid. Irregular income, plain language, and a share of the bank in your name.
Deposits protected to €100,000 under the Belgian and Dutch guarantee schemes.
Why we exist
Freelance income is not a salary, and most banks still can’t tell the difference.
Three good months and a quiet one is a normal year, not a red flag. But the overdraft, the credit assessment and the mortgage conversation are all built for the person with the same number landing on the 25th. We built the other bank. Vaart reads a year, not a month.
Invoiced
Ochre line: €2,800 paid to yourself each month. Same year, same money.
Tax, set aside
Every payment in, a share moves quietly to a separate pot. When the VAT return lands, the money is already there.
Credit that reads the year
Lending is assessed on twelve months of real income, and a person reads the file. You get a decision with reasons attached.
Vaart maken, samen.
Accounts
Three things, done properly.
Vaart Zicht
Current account
€7 / month
Belgian and Dutch IBAN, unlimited SEPA transfers, two physical cards, no transaction fees. Invoicing and VAT export built in.
Vaart Reserve
Buffer
2.4% variable
A separate, instantly accessible pot for tax and smoothing. Same protection, same login, entirely yours.
Vaart Krediet
Credit
from 6.1% APR
Working capital from €2,500 to €75,000, assessed on twelve months of income and decided by a committee that includes elected members. An answer within five working days, always with reasons.
Rates are current as of today and can change. We publish every change, and why, on the day it happens.
Ownership
You don’t have a bank. You have a share of one.
A single share costs €50 and makes you a member. Members elect the board, sit on the credit committee and vote on what Vaart does with its surplus. There are no outside shareholders, which means there is nobody here to sell you a product you don’t need.
010members
02€0one share, one vote
030%of surplus returned to members in 2025
040 of 9board seats elected annually
“I have argued with my bank before. This is the first time it counted as a vote.”
Marieke D., member-owner, Ghent.
Member since 2022.
Member since 2022.
It takes about eleven minutes.
Open the account with your eID or DigiD, buy your share, and move your money across when you’re ready. If you decide it isn’t for you, we buy the share back at what you paid. No notice period, no exit fee, and no conversation you have to have three times.
Your details
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