GoDutch vs Knab
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
Which one should you choose?
Choosing between Knab and GoDutch for your business account? I started GoDutch because of fixed costs, no cashback and limited team tools. With GoDutch, a modern entrepreneur opens a business account in 1 day that stays free forever and automates your administration. On this page I compare both accounts for 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
Up to 50
3 minutes
1 day
€0
€0.12
Included from Starter
Free
At cost
160+
20+
€100,000
Max up to 1.0%
Up to 4.37% return
Max. 5 payment accounts
1 per account
Not stated
Not stated
€7 (BV €11)
First 500/year free, then €0.10
Free
Free (1 per account, max. 5)
Via accounting package (€16 p/m)
Via accounting package (€16 p/m)
Not stated
€1.50 p/m
Not stated
Outside the eurozone: 1.4% markup; transfer in another currency outside the EEA: €15 + 0.1%
Number of countries not stated
Foreign currencies also possible (€15 per transfer)
€100,000
Not stated
Savings interest 1.25%
This comparison is based on publicly available information as of 12 October 2026. Prices, features and terms may change. Always check the provider's website for the most up-to-date information.
Useful features
More than just a payment account
Everything you need to smartly manage your finances as an entrepreneur, from payments to insights.
FAQ
Frequently asked questions
Discover answers to frequently asked questions about our products and services.
What is the difference in value proposition between GoDutch and Knab for business owners?
The main difference is the breadth of the offering: GoDutch accepts almost every business legal form and offers a tiered plan structure from €0 per month with cashback, team cards and international payments. Knab focuses on sole proprietorships and BVs with one director who is the 100% shareholder, with a single fixed plan and saving tools aimed at the self-employed.
On costs, both parties use a transparent model, but their starting points differ. Knab works with a fixed monthly fee of €7 (sole proprietorship) or €11 (BV), with 500 free transactions per year. GoDutch starts from €0 per month with a fixed SEPA fee of €0.12 per transaction without limit, plus cashback of up to 1% on card spending.
Knab positions itself as a well-known bank for the self-employed and says itself that it is trusted by more than 350,000 entrepreneurs. GoDutch offers the same freelancer-friendliness, with extra automation, team cards and cashback, and is also available to entrepreneurs who fall outside Knab's acceptance criteria. For those looking for a platform that grows from a sole proprietorship to an SME, GoDutch offers a broader foundation.
Source Knab: knab.nl, rates as of 18 February 2026; credit card, accounting integration and Income Splitter from the relevant Knab pages, retrieved 20 October 2026.
Which legal forms does Knab accept compared with GoDutch?
Knab accepts only sole proprietorships and BVs with one director who is the 100% shareholder, plus the combination of a holding company with one operating company where the holding owns 100%. GoDutch accepts all common business legal forms in the Netherlands: sole proprietorships, VOFs, BVs, NVs, holding companies, foundations, associations, owners' associations (VvE) and cooperatives.
Concretely, the following is not available at Knab: an account for a VOF, partnership, association, VvE or a BV with multiple directors. BVs with multiple shareholders can leave their email address at Knab to be notified when opening becomes possible, with no specific date.
GoDutch does offer these entrepreneurs a directly accessible alternative, with the same digital onboarding. Partners can choose an account for VOF entrepreneurs, while boards can apply directly for an account for foundations. For entrepreneurs who still fall within Knab's acceptance criteria but grow into a more complex structure, GoDutch prevents you from having to switch later on.
How much does the Knab business account cost compared with GoDutch?
Knab has one business account whose monthly fee depends on the legal form: €7 per month for a sole proprietorship and €11 per month per BV. With the Knab bookkeeping package you pay €23 (sole proprietorship) or €27 (BV) per month, and adding a private account costs €1 per month extra.
On top of the monthly fee, additional rates apply: €0.10 per transaction above 500 transactions per year, €0.30 per paid business payment request, €1.50 per executed batch payment plus €0.10 per transaction in the batch (the first 500 transactions per year are free), and €37.50 per year for a business credit card (€40 from 1 November 2026). GoDutch uses a single fixed SEPA rate of €0.12 with no transaction limits, batch surcharges or separate rates for payment requests. A comparison with the plans and GoDutch costs shows which model fits your number of transactions.
Source Knab: knab.nl, rates as of 18 February 2026; credit card, accounting integration and Income Splitter from the relevant Knab pages, retrieved 20 October 2026.
What extra costs does Knab charge on top of the monthly fee?
At Knab, 500 transactions per year are included in the monthly fee. After that, each transaction costs €0.10. Knab counts all incoming and outgoing payments as transactions, including card payments and Apple Pay. Transfers between Knab accounts do not count.
Other Knab rates: €0.30 per paid payment request, €1.50 per executed batch payment (plus €0.10 per transaction in the batch; the first 500 transactions per year are free), at least €15 for a transfer in a foreign currency or in euros to a country outside SEPA (for another currency outside the EEA, a 0.1% exchange-rate markup comes on top), €10 for receiving money from countries outside the EEA, and the Mastercard exchange rate plus a 1.4% markup for card payments outside the eurozone. Euro transfers within SEPA are free.
Source Knab: knab.nl, rates as of 18 February 2026; credit card, accounting integration and Income Splitter from the relevant Knab pages, retrieved 20 October 2026.
How many transactions do I get free per year with Knab compared with GoDutch?
At Knab, 500 transactions per year are included. Above that, each extra transaction costs €0.10. GoDutch does not offer free transactions but charges a fixed rate of €0.12 per SEPA payment, with no upper limit and no increasing costs at higher volumes.
In addition, Knab charges separate rates for batch payments (€1.50 per executed batch plus €0.10 per transaction in the batch, with the first 500 transactions per year free) and business payment requests (€0.30 per request). With GoDutch, batch payments and payment requests are included in the standard rate, with no per-item surcharge. For an active entrepreneur with multiple customer payments, supplier invoices and recurring transfers, that adds up by the end of the year.
Source Knab: knab.nl, rates as of 18 February 2026; credit card, accounting integration and Income Splitter from the relevant Knab pages, retrieved 20 October 2026.
What is the Knab Income Splitter?
With Knab's Income Splitter (Inkomstenverdeler) you set money aside for VAT, profit, reserves or pension, among other things. Knab has merged VAT Saving into it: it automatically sets the VAT aside on a separate savings account. Handy for self-employed people who want to prepare their VAT return without thinking about it.
What else Knab offers:
Unlimited savings accounts: extra savings accounts are free and unlimited
Up to 5 current accounts: extra current accounts are free (maximum 5), with one digital and one physical card per account
Batch payments: make several payments at once (€1.50 per executed batch plus €0.10 per transaction; the first 500 transactions per year are free)
GoDutch works with a similar concept through real-time balance insight, up to 50 extra IBANs and virtual cards for different purposes. At GoDutch, automatic invoice processing and VAT recognition are included, whereas at Knab you pay €1.50 per month for an accounting integration, or €16 per month extra for the Knab bookkeeping package. For self-employed entrepreneurs who want to fully automate their administration, GoDutch's freelancer account offers the same overview function.
Source Knab: knab.nl, rates as of 18 February 2026; credit card, accounting integration and Income Splitter from the relevant Knab pages, retrieved 20 October 2026.
Is Knab suitable for associations, foundations or general partnerships?
No, Knab is currently not suitable for associations, foundations, VOFs, partnerships or BVs with multiple directors. Knab's acceptance criteria are limited to sole proprietorships and BVs with one director who is the 100% shareholder, plus the holding-and-operating-company structure. Only BVs with multiple shareholders can leave their email address at Knab to be notified when opening becomes possible.
GoDutch does not have these restrictions and accepts all common legal forms. Board members of an association, foundation or VvE can open a digital business account where the subscription falls under the 0% VAT rate for non-profits. Opening happens entirely in the app, without physical appointments or longer waiting times.
For boards of a GoDutch VvE account, that means in practice that you can add or change board members yourself after a change, without depending on a bank that does not serve your legal form at all. For VOFs and larger BV structures the same principle applies: broad acceptance and directly available.
How does GoDutch’s cashback model differ from Knab’s?
GoDutch offers unlimited cashback on every card transaction of up to 1%, increasing by plan. Knab does not state any cashback on the debit card or credit card; the business credit card costs €37.50 per year (€40 from 1 November 2026).
At GoDutch you get cashback on the Pro (0.5%, €29 per month) and Max (1%, €49 per month) plans. The cashback is paid automatically into your business account, with no cap and regardless of the type of spending.
For an entrepreneur with €5,000 in business card spending per month, the GoDutch Pro plan delivers €300 cashback per year, and the Max plan €600. For its subscription of €7 (sole proprietorship) or €11 (BV) per month, Knab states no card rewards, regardless of spending volume. For a GoDutch BV account where many expenses are paid via the business card (software, hardware, travel), the cashback alone can more than cover the subscription costs.
Source Knab: knab.nl, rates as of 18 February 2026; credit card, accounting integration and Income Splitter from the relevant Knab pages, retrieved 20 October 2026.
Which accounting integrations does Knab offer compared to GoDutch?
Knab charges €1.50 per month per accounting package for the accounting integration, including VAT. If you use the Knab bookkeeping package (€16 per month extra on top of the account), you pay nothing for the integration. At GoDutch, direct API integrations with more than 30 accounting packages are included as standard in every plan, even in the free Free plan.
According to Knab, the automatic integration works with Cash, e-Boekhouden.nl, Informer, KING Software, Reeleezee and Yuki, among others, and through the renewed integration with SnelStart, Asperion, AFAS, MoneyMonk, Twinfield, Jortt and Visma, among others. At Knab you therefore pay €18 per year per connected accounting package (linking manually with an mt940 file is free). At GoDutch you pay no extra costs for the integration, regardless of how many packages you connect.
For a freelancer who wants to automate their administration as much as possible, that is a difference of up to €18 per year purely on the accounting integration. In addition, GoDutch offers automatic invoice processing and real-time VAT recognition in the app itself as standard, whereas at Knab you use the bookkeeping package (€16 per month extra) or an external integration for that. A complete overview of the available integrations can be found on the page with GoDutch's accounting integrations.
Source Knab: knab.nl, retrieved 20 October 2026.
What does an international payment cost at Knab?
At Knab, a euro transfer within SEPA is free. A transfer in a foreign currency, or in euros to a country outside SEPA, costs at least €15; for another currency outside the EEA, a 0.1% exchange-rate markup comes on top. Receiving money from countries outside the EEA costs €10. For card payments and cash withdrawals outside the eurozone, Knab charges the Mastercard exchange rate plus a 1.4% markup. Knab does not state a number of countries or currencies on its rates page.
The international options at GoDutch:
Outgoing payments: to more than 160 countries worldwide
Incoming payments: from more than 150 countries
Currency exchange: at mid-market rates with no hidden margins
Supported currencies: more than 20, with the exchange rate shown upfront
SWIFT payments: outgoing and incoming, plus ACH and Fedwire for the United States
For entrepreneurs who only occasionally do business internationally, Knab's international functionality may be sufficient. For a GoDutch holding account with intercompany transfers to foreign operating companies, or for SMEs with international suppliers, GoDutch offers payments to more than 160 countries in more than 20 currencies.
Source Knab: knab.nl, rates as of 18 February 2026; credit card, accounting integration and Income Splitter from the relevant Knab pages, retrieved 20 October 2026.
How many team cards can I get with Knab compared to GoDutch?
Knab offers one digital and one physical card per account (maximum 5 accounts). Knab does not mention a feature for extra cards with their own limits and spending control per employee. GoDutch offers team cards as standard from the Pro plan, with card-specific restrictions per card.
For a freelancer without staff that difference is less relevant, but for a BV owner with a growing team it is a structural bottleneck. Without separate cards for employees you work with expense claims or advances, whereas GoDutch can give every employee their own virtual or physical card with daily, weekly or monthly limits.
The team card capacity at GoDutch scales with the plan: Pro offers 10 virtual cards, 5 physical cards and 10 team cards for expenses or travel; Max offers an unlimited number of cards with 50 team cards. If an employee loses their card or leaves, you can block the card immediately in the GoDutch app. For growing businesses, this is a feature that Knab does not mention.
Source Knab: knab.nl, rates as of 18 February 2026; credit card, accounting integration and Income Splitter from the relevant Knab pages, retrieved 20 October 2026.
How does Knab score in customer reviews compared with GoDutch?
Knab says itself that it is trusted by 350,000+ freelancers. GoDutch is newer (launched 2024) and now has more than 20,000 active entrepreneurs, with strong ratings on Trustpilot and Google reviews.
Knab focuses strongly on the freelancer target group. GoDutch positions itself differently: as a broad digital platform with automation, team cards, cashback and international features, available for all legal forms.
For entrepreneurs who choose on the basis of familiarity in the Dutch market, Knab is a logical choice. For those who choose based on features, pricing structure and growth potential (e.g. expanding into a VOF, holding company or working internationally), GoDutch offers an offering that goes further than Knab's current acceptance criteria. For a broader view of the market, a comparison of Dutch business providers provides additional context.
Source Knab: knab.nl, retrieved 20 October 2026.
How do I close my Knab business account and switch to GoDutch?
Switching from Knab to GoDutch takes four steps. Within 1 day you have an operational account at GoDutch, and you only close your Knab account as the last step, so you can switch calmly without missed payments.
Steps for the switch:
Open your account at GoDutch: fill in the online application (three minutes), identify yourself with a passport or driving licence and wait for your application to be processed. Your IBAN and virtual Mastercard are active right after.
Inform your contacts of your new IBAN: send customers and suppliers a short email with your new account number. In the GoDutch app you download a bank statement with your IBAN for your records.
Move direct debits and subscriptions: change recurring payments for energy, software subscriptions, suppliers and periodic invoices. In GoDutch you set these up as a standing order or via direct debit.
Close your Knab account: transfer the remaining balance to GoDutch and close your Knab account following Knab's cancellation procedure. A comprehensive guide to closing your Knab business account will guide you through the process.
Keep both accounts in parallel for the first month, so that any forgotten direct debits are not rejected. For questions during the switch, GoDutch support helps you 24/7 via chat, email or phone. Ready to switch to an account without plan-choice stress and with cashback and team cards included? You can open your GoDutch account right away and start today.
Published 28 Nov 2025 · Updated 12 Oct 2026
The account that saves you time and money
