GoDutch
van Lanschot
Business Account
Dutch IBAN
✅
✅
Extra (virtual) IBANs
Unlimited
£25 per quarter per IBAN
Free virtual card
✅
❌
Free physical card
✅
✅
Free customer and company research
✅
✅
Open account / onboarding
Fully digital registration process
✅
❌
Registration time
3 minutes
A few working days
Processing time KYC/KYB
3 hours
Weeks to months
Costs
Fixed costs p/m (starting price)
£0
£8.33 per month (£25 per quarter)
Cost per SEPA payment
€0.12
€0.12 outgoing / €0.18 incoming
Cost of additional payment account (IBAN)
Free
£25 per quarter per additional account
Cost of additional payment card
Free
£5.50 per quarter per pass
Features
Real-time balance insight
✅
✅
Automated invoice processing
✅
❌
Automatic VAT recognition
✅
❌
Access for accountant / bookkeeper
✅
❌
Accounting integrations
✅
❌
Team card and expenditure management
✅
❌
International
Currency exchange at mid rate
At cost
~0.7% surcharge
Countries available
150+
Netherlands, Belgium & Switzerland)
Currencies available
20+
EUR, USD, GBP, CHF, etc.
Security & Support
Deposit guarantee (covered up to)
£100,000
£100,000
24/7 telephone emergency support
✅
Only in case of loss or theft
Multilingual customer support
✅
Primarily Dutch-speaking
Rewards
Cashback on card transactions
Unlimited up to 1.0%
❌
This comparison is based on publicly available information as of 10 October 2025. Prices, features, and conditions may change. Always consult the provider's website for the most up-to-date information.
Why choose GoDutch?
The comparison shows that GoDutch is a more efficient, faster, and cheaper choice for many entrepreneurs than the Van Lanschot business account. With the GoDutch business account, entrepreneurs benefit from a modern solution that caters to their daily practice and works completely digitally. While Van Lanschot focuses on personal banking relationships and customised solutions for wealthy clients, GoDutch offers speed, transparency, and convenience for anyone who wants to organise their financial administration smartly.
Fast Onboarding Process
An important difference is the speed of the process. With GoDutch, you can open a business account online within three minutes and receive your IBAN and payment card within three hours. In contrast, with Van Lanschot, the application is processed manually through an advisor and it can take several days before the account is active. This makes GoDutch particularly suitable for entrepreneurs who want to start immediately without waiting times or paperwork.
Costs
The cost structure also clearly favours GoDutch. The fixed monthly costs start at €0, whereas Van Lanschot charges a standard €25 per quarter, excluding transaction costs and card contributions. Moreover, GoDutch does not charge extra fees for virtual or physical cards and additional IBANs are available for free, while Van Lanschot applies separate rates for each additional account or payment card. This difference allows entrepreneurs to manage their banking affairs with GoDutch in a scalable manner without increasing fixed costs.
Functionalities
In terms of automation and functionality, GoDutch also stands out. Entrepreneurs benefit from real-time balance insight, automatic invoice processing, automatic VAT recognition, and integrated accounting integrations. These features are largely absent at Van Lanschot or are only available through external integrations. Furthermore, GoDutch offers options for team management with cards, limits, and expense control, something that Van Lanschot does not support as standard.
Rewards and Support
Internationally, GoDutch also offers more flexibility. Transactions occur at the mid-market rate without a markup, and payments can be made to more than 150 countries in over twenty currencies. In contrast, Van Lanschot applies currency markups on currency transactions and mainly limits its services to the Netherlands. Finally, GoDutch rewards entrepreneurs directly with cashback of up to 1.0% on card payments, while Van Lanschot does not offer a cashback programme.
In summary, GoDutch provides entrepreneurs with a modern, fully digital business account with low costs, extensive features, and immediate rewards. For freelancers and growing companies that value speed, clarity, and automation, GoDutch is a particularly attractive alternative to the traditional business account of Van Lanschot.
Open your business account in 3 minutes
With GoDutch, you can fully open a business account online in just three minutes, without paperwork or waiting time. Answer a few short questions, verify your identity, and receive your Dutch IBAN and payment card within three hours.
No physical appointments or lengthy approval processes, just instant access to a modern business account that automates everything that takes time. Open your account today and discover how easy{