Go Dutch vs BUNQ
We have listed the main differences for you, so that you can make the best choice.
€0 fixed costs per month
NL IBAN active in 1 day
Up to 1% cashback on every payment, unlimited
24/7 real people on the phone
4.8/5
More than 23,000+ customers are already managing their finances smarter with GoDutch.
Which of the two to choose?
Are you choosing between BUNQ and GoDutch for your business account? I started GoDutch because BUNQ is unnecessarily complex for entrepreneurs: multiple subscription plans, fixed monthly fees, limited cashback. With GoDutch, as a modern entrepreneur you get a business account that stays free, works in one day and automates your administration. Below you can read the honest comparison, so you know which account suits your business.
Account
Dutch IBAN
Extra (virtual) IBANs
Free card
Free customer and company research
Open account / onboarding
Fully digital registration process
Registration time
Processing time KYC/KYB
Costs
Fixed costs p/m (starting price)
Cost per SEPA payment
Cost of additional payment account (IBAN)
Cost of additional payment card
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
Countries available
Currencies available
Security & Support
Deposit guarantee (covered up to)
24/7 telephone support
Multilingual customer support
Rewards
Cashback on card transactions
Unlimited
3 minutes
1 day
€0
€0.12
Free with Unlimited
Free
At cost
150+
20+
€100,000
Unlimited up to 1.0%
Up to 25
5 minutes
No information available
From €7.99
€0.13
Free within package limit
€9.99 one-off + €3.99 p/m
✅
✅
0.5% surcharge
Bunq supports international payments to a number of countries.
22
€100,000
Only paid packages
✅
Deze vergelijking is gebaseerd op openbaar beschikbare informatie per 14 juli 2025. Prijzen, functies en voorwaarden kunnen wijzigen. Raadpleeg altijd de website van de aanbieder voor de meest actuele informatie.
More than just a payment account
Useful features
Everything you need to manage your finances as a business owner wisely — from payments to insights.
FAQ
Frequently asked questions
Discover answers to frequently asked questions about our products and services.
How do GoDutch and Bunq differ as digital providers of business accounts?
GoDutch and Bunq are both fully digital providers of business accounts, but differ in package structure, pricing model and target audience. GoDutch starts from €0 per month with cashback of up to 1% with no upper limit and automatic invoice processing included as standard in every package. Bunq offers four packages (Free Business, Core, Pro and Elite) ranging from €0 to €23.99 per month, with cashback capped at €300 per year and automatic invoice processing only available from the Pro package onwards.
At a functional level, both are mobile-first and designed for self-employed entrepreneurs who manage their banking digitally. Bunq has strengths in sub-IBANs (up to 25, including foreign IBANs in Spain, Germany and France) and its own ecosystem of tools. GoDutch stands out with unlimited cashback, free extra IBANs from the Starter package, integrated team cards in every paid package and 24/7 phone support.
For most entrepreneurs, the key difference lies in the structural costs and the cashback model. With Bunq, package costs and capped cashback quickly diverge as usage increases. With GoDutch, cashback continues to scale with your card spending, without an upper limit. For entrepreneurs who want their business expenses to pay off, GoDutch offers a more attractive proposition in the long term.
Which Bunq package is suitable for whom, and how does it compare with GoDutch?
Bunq offers four business packages with increasing functionality, aimed at different stages of entrepreneurship. Bunq Free Business is free for sole traders, Bunq Core Business (€7.99 per month) for primary use, Bunq Pro Business (€13.99 per month) for growing businesses and Bunq Elite Business (€23.99 per month) for entrepreneurs operating internationally. GoDutch works with a similar structure of four packages, but with different emphasis on cashback and team functionality.
At first glance, Bunq is cheaper, but there are three important caveats. Cashback at Bunq is capped at €300 per year; at GoDutch it is unlimited. Accounting integrations, automatic invoice processing and team cards are only available at Bunq from Pro Business onwards; at GoDutch they are standard from Starter. An extra debit card costs at Bunq €9.99 one-off plus €3.99 per month; at GoDutch it is free from the Starter package. More about the packages is available on the page about the Bunq business account.
How much cashback do I get with GoDutch compared with bunq?
GoDutch offers unlimited cashback up to 1% on all card spending, with no upper limit. Bunq offers cashback up to 1% but with a maximum of €300 per year (i.e. around €25 per month). The difference becomes significant once you consistently spend more than €30,000 per year on business purchases via your card.
The cashback tiers with both providers:
GoDutch Free: 0%, no card rewards but also no subscription fees
GoDutch Starter: 0.1% unlimited
GoDutch Pro: 0.4% unlimited
GoDutch Unlimited: 1% unlimited
Bunq (all packages): cashback per category up to a maximum of €300 per year
In practice, this means that an entrepreneur with €5,000 in business card spending per month earns €600 in cashback per year with GoDutch Unlimited, and at Bunq hits the €300 cap after about six months. At €10,000 per month the difference becomes structural: GoDutch pays out €1,200 per year, while Bunq remains at €300. For BV owners with lots of business spending on software, hardware, travel expenses or stock, that difference quickly amounts to hundreds of euros per year in GoDutch's favour. The GoDutch BV package therefore remains structurally more attractive for growing businesses.
How much does an additional debit card cost at Bunq versus GoDutch?
An additional physical debit card at Bunq costs €9.99 one-off plus €3.99 per month in subscription fees per card. At GoDutch, extra physical and virtual cards are free from the Starter package, scaling up to unlimited cards on the Unlimited package. For entrepreneurs with a team or multiple spending streams, this difference can add up significantly.
Concretely, this means the following. With Bunq, you pay €9.99 one-off for one extra card plus €47.88 per year in subscription fees (€3.99 × 12). For three extra cards, that comes to €29.97 one-off plus €143.64 per year, or just over €173 in year one. With GoDutch, this is included free of charge in the Pro package (€348 per year), and you also receive cashback on all spending made via those cards.
For growing SMEs that want to provide several employees with their own business card, costs at Bunq rise quickly, while the extra features (limits per card, category restrictions) are only available from Pro Business onwards. At GoDutch, you already get basic spend controls per card from the Starter package, with more available on Pro and Unlimited.
How much does the Bunq invoice scan feature cost compared with GoDutch’s automatic invoice processing?
Bunq charges €0.27 per scanned invoice plus €0.13 per automatic payment. At GoDutch, automatic invoice processing is included as standard in every package from Starter upwards, with no costs per scan or per payment. For business owners who receive dozens of supplier invoices each month, that difference is structurally noticeable.
A calculation example: a business owner who has 20 invoices per month scanned and paid automatically via Bunq pays €0.27 × 20 = €5.40 for scanning and €0.13 × 20 = €2.60 for payment. That is €8.00 per month or €96 per year extra on top of the package costs. At GoDutch, this is fully included in the package price, with automatic VAT recognition and integration with your bookkeeping included.
The functional difference is equally relevant. At GoDutch, the app reads the invoice, recognises the VAT amount, categorises the expense and synchronises directly with your accounting package. Bunq only scans the invoice and prepares it for manual payment or automatic execution, without integrated VAT recognition in the basic function. For business owners who really want to automate their administration, GoDutch offers richer standard functionality.
Which legal forms does Bunq accept compared with GoDutch?
Bunq accepts sole traders in all packages (with Free Business specifically for sole traders), plus private limited companies, general partnerships, foundations and associations from the Core Business package onwards. GoDutch accepts the same legal forms broadly, with the additional benefit of a special 0% VAT rate on the subscription for foundations, owners' associations and other associations.
For boards of non-profit organisations, that 0% VAT difference is structurally noticeable in the annual costs. A foundation package from GoDutch falls under this favourable VAT regime, whereas Bunq applies the standard VAT rates. On a subscription of €12 per month, that means €30 per year difference in the VAT burden, alongside the additional functionality for boards.
In addition, GoDutch offers a dedicated owners' association package from GoDutch with functionality for adding board members, whereas Bunq does not offer a specific owners' association product. For boards that want to handle board changes themselves without being dependent on a general business workflow, that is a distinguishing advantage.
How many sub-IBANs can I open with GoDutch compared with Bunq?
Bunq lets you open up to 25 sub-IBANs, including foreign IBANs (Spanish, German, French). GoDutch offers five free extra IBANs from the Starter package, rising to unlimited extra IBANs on the Unlimited package. The difference lies mainly in Bunq's foreign IBAN option and in the pricing structure.
The number of extra IBANs per package with both providers:
Bunq Free Business: no extra IBANs by default
Bunq Core Business: limited number of extra IBANs within the package limit
Bunq Pro/Elite Business: up to 25 extra IBANs, including foreign ones
GoDutch Free: no extra IBANs
GoDutch Starter: 5 extra IBANs free
GoDutch Pro: 10 extra IBANs free
GoDutch Unlimited: unlimited extra IBANs free
For a GoDutch holding solution with multiple operating companies, the Unlimited package offers unlimited IBANs at a fixed rate of €49 per month. With Bunq Elite Business, this costs €23.99 per month, but without cashback above €300 per year. For holdings with substantial business traffic, GoDutch's cashback benefit therefore counts towards the overall value comparison.
How international does Bunq operate compared with GoDutch?
Bunq supports international payments with an exchange rate surcharge of 0.5% and offers foreign IBANs in Spain, Germany and France. GoDutch supports outgoing payments to more than 60 countries, incoming payments from more than 150 countries and 20+ currencies at the official mid-market rate, without an exchange rate surcharge.
The difference in approach is as follows. Bunq offers foreign sub-IBANs, allowing you to operate in those specific EU countries as a local account, which is useful for entrepreneurs who do business there on an ongoing basis. The 0.5% exchange rate surcharge is more favourable than at traditional large banks (around 1.4%) but is still a markup. GoDutch works with the official mid-market rate and charges no margin on the exchange rate.
For an entrepreneur with €100,000 in annual currency transactions, the difference in exchange-rate markup amounts to €500 per year in GoDutch's favour. On the other hand, Bunq's foreign IBAN feature can be valuable for entrepreneurs who specifically want to invoice in Germany, Spain or France under a local IBAN. For most SMEs operating internationally, GoDutch's structure (worldwide SEPA and SWIFT, mid-market rate, without a separate currency account) offers a broader and more cost-effective solution.
Do I get the same features with Bunq Free Business as with GoDutch Free?
No, Bunq Free Business and GoDutch Free differ in several functional respects. Bunq Free Business is available exclusively to sole traders and offers basic banking features without accounting integration, automatic invoice processing or team cards. GoDutch Free is available to a broader range of legal structures and includes standard free accounting integrations and real-time balance insight.
A direct comparison of what both free packages offer:
Bunq Free Business: exclusively sole traders, one virtual card, basic banking features, no accounting integration, no automatic invoice processing
GoDutch Free: broader availability for different legal structures, one virtual Mastercard, Dutch IBAN, free accounting integration with 30+ packages, 24/7 support
For a self-employed person who wants to start with a free business account, GoDutch Free therefore offers more standard functionality out of the box. The difference is especially visible in the accounting integration: with Bunq Free you do not have a link to your administration, with GoDutch that is standard included. For freelancers who want to automate their administration as much as possible, the GoDutch freelancer account offers more immediate value, without having to move to a paid package. A detailed cost comparison is available on the page with GoDutch pricing packages.
How does GoDutch's customer service differ from that of Bunq?
GoDutch offers 24/7 telephone support on all packages, in both Dutch and English, by its own staff via chat, e-mail and phone. Bunq mainly works via in-app support and has limited telephone availability, especially on the lower packages; only Elite Business customers receive priority support.
Bunq explicitly positions itself as a mobile-first bank without physical branches and without traditional telephone lines. Questions are handled via chat in the Bunq app, with response times varying depending on the package. For entrepreneurs who want quick telephone assistance in their day-to-day business operations, for example with a blocked card, a failed payment or an urgent query, that is a barrier.
GoDutch combines the digital ease of use of a fintech with the accessibility of a traditional provider. Pro and Unlimited customers receive priority support, and Unlimited customers also get a dedicated account manager. For entrepreneurs who, when faced with urgent questions, want to speak to someone directly instead of starting a chat conversation, GoDutch is a better fit in practice.
Which accounting integrations does Bunq offer compared to GoDutch?
Bunq offers accounting integrations from the Pro Business plan (€13.99 per month), including Moneybird and Tellow. GoDutch offers direct API integrations with more than 30 accounting packages free in every plan, including the Free plan. The difference lies in both the breadth of the offering and the threshold for activating integrations.
The integration options at Bunq are limited to a few popular packages such as Moneybird, Tellow and a number of other widely used self-employed tools. With GoDutch, you connect directly with, among others, Moneybird, e-Boekhouden, Exact, Visma, Asperion, Clearbooks and DigiBTW, plus 25+ other packages. Transactions synchronise in real time in most integrations.
For a self-employed person working with a specific or less mainstream accounting package, GoDutch offers a significantly greater chance that their package can be connected directly. For SMEs working with enterprise tools such as Exact or Visma, the difference is structural: with Bunq you have to fall back on manual import, while with GoDutch it works directly in every plan. A complete overview of GoDutch integrations shows which packages are available.
How does GoDutch score in customer reviews compared with Bunq?
Bunq positions itself as an innovative neobank and has a large group of enthusiastic users, especially among tech-savvy self-employed people. However, ZZP Daily explicitly does not place Bunq Pro Business in the top 3 best ZZP accounts of 2026, citing the high monthly fees and limited customer service as areas for improvement. Since its launch in 2024, GoDutch has seen strong growth to more than 20,000 entrepreneurs and consistently scores highly on Trustpilot and Google reviews.
Important nuances in these reviews:
Bunq's history: founded in 2012 and established as a digital bank in the Netherlands
Customer service feedback: reviewers regularly mention the limited availability by phone as a downside
ZZP Daily 2026: Bunq Pro Business not recommended because of value for money
GoDutch strengths: quick onboarding, free basic package and 24/7 telephone support
For entrepreneurs who choose based on brand recognition and an innovation image, Bunq is a familiar choice. For entrepreneurs who choose based on functional value, cost transparency and accessible support, GoDutch offers a more attractive overall package. You can find a broader market picture in the overview of business providers in the Netherlands.
How do I switch from Bunq to GoDutch?
Switching from Bunq to GoDutch is arranged in four steps. Within one working day you’ll have an operational account at GoDutch, and you only close your Bunq account as the final step, so you can switch over calmly without missed payments.
Step-by-step plan for the switch:
Open your account at GoDutch: complete the online application (three minutes), verify your identity with a passport or driving licence and wait for KYC processing (three hours). Your IBAN and virtual Mastercard are then active straight away.
Inform contacts about your new IBAN: send customers and suppliers a short email with your new account number. In the GoDutch app, download a bank statement with your IBAN for your records.
Move direct debits and subscriptions: update recurring payments for energy, software subscriptions, suppliers and periodic invoices. In GoDutch, set these up as a recurring payment or via direct debit.
Close your Bunq account: transfer the remaining balance to GoDutch and close your Bunq account via the Bunq app under account settings. A detailed Bunq account closure process guides you through this process.
Keep both accounts running in parallel for the first month, so any forgotten direct debits are not declined. If you have any questions during the switch, GoDutch's support team is available 24/7 by telephone, something that at Bunq is only available via in-app chat. Ready to switch to an account with unlimited cashback, free additional cards and 24/7 telephone support? You can open your GoDutch account straight away and get started today.
