GoDutch
Delicious
Business Account
Dutch IBAN
✅
✅
Extra (virtual) IBANs
Unlimited
A maximum of 3 included
Free virtual card
✅
✅
Free physical card
✅
✅
Free customer and company research
✅
✅
Open account / onboarding
Fully digital registration process
✅
✅
Registration time
3 minutes
15 minutes
Processing time KYC/KYB
3 hours
1–2 working days
Costs
Fixed costs p/m (starting price)
£0
£0
Cost per SEPA payment
€0.12
Up to 0.3%
Cost of additional payment account (IBAN)
Free
£1 per month for each additional wallet
Cost of additional payment card
Free
£3 per month per 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
At cost
1–3%
Countries available
150+
6
Currencies available
20+
Only EUR
Security & Support
Deposit guarantee (covered up to)
£100,000
❌
24/7 telephone emergency support
✅
Only via email/chat
Multilingual customer support
✅
✅
Rewards
Cashback on card transactions
Unlimited up to 1.0%
Up to 0.5%
This comparison is based on publicly available information as of 9 October 2025. Prices, features and conditions may change. Always check the provider's website for the most up-to-date information.
Why choose GoDutch?
The comparison makes it clear that GoDutch stands out through simplicity, speed, and smart features designed for modern entrepreneurs. While the business account from Finom primarily focuses on basic digital functionality, our business account offers a fully integrated solution that allows entrepreneurs to automate their financial administration, payments, and collaboration on one platform. This translates into concrete benefits in four areas: costs, onboarding, features, and rewards.
Costs
First and foremost, the costs at GoDutch are significantly lower. The basic account is free, and all SEPA payments are without charge. There are also no additional costs for extra IBANs and payment cards. Finom, on the other hand, charges monthly fees starting from €5 and imposes extra fees for additional IBANs or cards. This makes GoDutch particularly attractive for growing companies and teams that need multiple accounts and payment methods without escalating costs.
Fast onboarding process
Additionally, the onboarding process at GoDutch is fully digital and incredibly fast. New customers can open an account within three minutes, after which KYC and company verification are processed automatically and immediately. Finom still conducts manual checks, which delays processing to several working days. For entrepreneurs who want to get started right away, GoDutch thus offers a significant time advantage.
Features
In terms of functionality, GoDutch offers more automation and insight. Automated VAT recognition, real-time balance overviews, and seamless integrations with popular accounting packages like Exact, Moneybird, and e-Boekhouden.nl ensure more efficient financial management. Finom offers integrations, but less extensive and without automatic VAT detection. Furthermore, GoDutch simplifies team management with extensive capabilities for multiple users, cards, and spending limits.
Rewards and support
Finally, GoDutch distinguishes itself with higher rewards and stronger support. Users receive up to 1.0% cashback on card payments, significantly more than the 0.2% at Finom. Additionally, GoDutch offers 24/7 telephone emergency support, which Finom does not. For entrepreneurs who value reliability and direct availability, this is a significant advantage.
Open your business account in 3 minutes
With GoDutch, you can start your business more quickly. You can open your business account online, without paperwork or waiting time. Within three minutes, you have a Dutch IBAN, a working payment card, and access to all the smart features that help you save time on administration, payments, and collaboration.
Whether you are a freelancer, running a limited company, or managing a growing team, with GoDutch you can manage everything clearly from one platform. Transparent, secure, and immediately available. Start today and experience how easy business banking can be. Open your account now and discover how GoDutch makes entrepreneurship smarter.