bank asks about the expected use of the account, how should I fill that in

Intended account use: transaction profile, not marketing text

The bank wants a brief, factual profile here: what type of transactions, which countries, what amounts and what frequency fit with normal business operations. This is part of the customer due diligence that every bank must carry out under the Anti-Money Laundering and Counter-Terrorist Financing Act. The purpose is not to assess whether your business is profitable or sustainable — it is a point of comparison. Later transactions will be tested against what you state now, so a deviation may raise a question later, not a judgment at this moment.

Describe concretely: the type of customers (private or business), the number of countries you trade with or specific countries if relevant, an indication of monthly turnover in transactions, and whether cash is involved. Avoid general terms such as "various payments" — that more often results in a follow-up question than a concrete answer. If the account is also used for something that does not directly follow from your trade register description — for example international transfers to a group company — it is more efficient to mention that straight away. This also aligns with what the bank often asks separately about at which banks the enterprise maintains accounts: separate accounts at different banks for different money flows almost always raise a follow-up question.

Where this follows from: the client due diligence under the Wwft

The obligation to record the expected use of the account stems from customer due diligence under the Anti-Money Laundering and Counter-Terrorist Financing Act: the bank must not only know who the customer is, but also what a plausible transaction pattern is, so that it can flag deviations afterwards. That investigation is not separate from the other parts of the file: the bank often combines the intended use with questions about the origin of the company's assets, because a transaction profile that does not align with the known source of income is more quickly noticed. The basic data of the business itself — legal form, registered address, activities — are already recorded in accordance with the Trade Register Act 2007 and form the starting point against which the bank tests the stated use.