Halden

A business account in eight minutes.

Onboarding for a business current account aimed at freelancers and small studios, rebuilt from a 14-page form into a guided, save-anywhere flow.

Sector: Business banking
Where: Amsterdam
Year: 2026 · 14 weeks
Role: Onboarding UX, UI design, Prototyping

Halden Saved 2 min agoQuestions? Chat with us, 9:00–18:00Finish later

Here’s your account, before any paperwork.

This is what Studio Verbeek gets the moment you’re approved. Pick a plan; you can change it any month.

Halden

Studio Verbeek B.V.NL42 HALD 0123 4567 89Eva VerbeekDebit · 03/30

Your own IBANDutch NL number, ready for invoices on day one
2 debit cardsOne for you, one for a co-founder or employee
VAT pots21% of every incoming payment set aside, if you want

SoloFor freelancers and one-person studios€9/monthStudioUp to 5 people, 5 cards, accountant access€19/month

What we’ll ask for next

Your KvK number. We fetch the rest from the Chamber of Commerce.1 min
A few things about you. Name, address, and whether you’re a politically exposed person.2 min
Passport or Dutch ID. A photo from your phone is fine.3 min
A quick review. Most accounts open the same working day.1 min

Continue with Studio No payment until your account is open.

Account previewThe flow opens with the reward: the IBAN, the cards and the plan, before a single form field.

The problem

68% of applicants dropped off at the document upload step. Compliance needed every field; people needed to stop feeling interrogated.

What changed

Reordered the flow so the account preview comes first and paperwork last.
Pre-filled company data from the chamber-of-commerce number.
Wrote every error message with the compliance team, in plain words.

Halden Saved 2 min agoQuestions? Chat with us, 9:00–18:00Finish later

Your company

Type your KvK number and we’ll fill in the rest from the Chamber of Commerce.

KvK number

8123 4567 Found

From the KvK register · updated todayNot your company?

Studio Verbeek B.V.

Address: Oudegracht 112, 3511 AV Utrecht
Legal form: Besloten vennootschap (B.V.)
Activity (SBI): 74.10 · Specialised design
Registered: 12 January 2021
Director: E. M. Verbeek, sole authority
Employees: 2–4

What does the company mainly earn money from? In your own words

Brand identity and packaging design for food and drink companies in the Netherlands and Belgium.

We ask because the law asks us to understand where money comes from. One sentence is enough.

Looks right, continue Back

KvK lookupEight digits fill six fields from the Chamber of Commerce. The one question left is in plain words.

Mobile flowHalf of applicants finish on their phone. The camera waits for a sharp frame instead of asking for one.

Halden Saved 2 min agoQuestions? Chat with us, 9:00–18:00Finish later

Two documents, then you’re done.

Photos from your phone are fine. We check them while you wait.

Passport · Eva Verbeekpassport-eva.jpg · checked in 4 secondsReplace

Proof of the company’s addressA recent energy bill, rental contract or bank statement in the company’s nameChoose a fileor drag it here · PDF, JPG or PNG, up to 10 MB

On your laptop? Scan this to take the photo with your phone. This page updates on its own.

Document uploadThe step that lost 68% of applicants. It now says why it asks, who sees the file and when it is deleted.

Field / error / KvK number

KvK number

8123 456

A KvK number has 8 digits. This one has 7.

440 × 150

Field / error / Passport photo

Passport photo

IMG_2231.HEIC

We couldn’t read the photo. Try again by a window, without the flash.

Field / error / Date of birth

Date of birth

31/02/1989

February doesn’t have 31 days. Check the day?

Copy review with compliance · signed off 4 Feb

KvK number

ERR_KVK_LEN: Invalid input.

A KvK number has 8 digits. This one has 7.

Passport photo

Document validation failed (code 4012).

We couldn’t read the photo. Try again by a window, without the flash.

Date of birth

Date format invalid. Use DD-MM-YYYY.

February doesn’t have 31 days. Check the day?

Approved by Compliance (M. Bakker) and Legal

Sanne de Vries2h

Compliance approved all three without edits. First time that's happened.

Error statesEvery error rewritten with the compliance team: what went wrong and what to do, never a code.

Completion rose from 32% to 71%. Median time to an open account fell to 8 minutes.

71%completion (from 32%)
8 minmedian to open
−54%support tickets

“Compliance signed off on copy they'd usually rewrite. Applicants stopped calling us to ask what a field meant.”
Sanne de VriesHead of Product, Halden

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How the subscription works

Pick a coffee, or let us chooseOur pick rotates through all three origins.
Choose every one, two or four weeksWhole bean or ground for your brewer.
Skip, pause or cancel any timeOne tap in your account. No emails to us.

Still at the market

Saturdays 8:00–13:00 at Riblja pijaca, stall 14. Cups 180 RSD, bags at the online price.

Get directions

Halden

Here’s your account, before any paperwork.

What we’ll ask for next

The problem

What changed

Your company

Studio Verbeek B.V.

Here’s your account, before any paperwork.

Your passport

Two documents, then you’re done.

Completion rose from 32% to 71%. Median time to an open account fell to 8 minutes.

Roasted on the Danube,
every Tuesday.

This month’s coffees

How the subscription works

Still at the market

Got a product like this?