GoDutch
N26
Business Account
Nederlandse IBAN
✅
Duitse IBAN
Extra (virtuele) IBAN's
Onbeperkt
Maximaal 10
Gratis virtuele kaart
✅
✅
Gratis fysieke kaart
✅
✅
Gratis klant- en bedrijfsonderzoek
✅
✅
Rekening openen / onboarding
Volledig digitaal registratieproces
✅
✅
Registratietijd
3 minuten
8 minuten
Verwerkingstijd KYC/KYB
3 uur
Enkele uren
Kosten
Vaste kosten p/m (vanafprijs)
€0
€0
Kosten per SEPA-betaling
€0,12
€0
Kosten extra betaalrekening (IBAN)
Gratis
€0 (tot 10 bij premium)
Kosten extra betaalpas
Gratis
€10 per extra kaart
Functionaliteiten
Realtime saldo-inzicht
✅
✅
Automatische factuurverwerking
✅
❌
Automatische btw-herkenning
✅
❌
Toegang voor boekhouder / accountant
✅
❌
Boekhoudkoppelingen
✅
❌
Team kaarten en uitgavenbeheer
✅
❌
Internationaal
Valutawissel tegen middenkoers
Kostprijs
Kostprijs
Landen beschikbaar
150+
25+ (EU/EEA-landen)
Valuta’s beschikbaar
20+
Alleen EUR
Beveiliging & Support
Depositogarantie (gedekt tot)
€100.000
€100.000
24/7 telefonische noodondersteuning
✅
❌
Meertalige klantenservice
✅
EN/DE/FR/ES/IT
Beloningen
Cashback op kaartbetalingen
Onbeperkt tot 1,0%
Tot 0,5%
Deze vergelijking is gebaseerd op openbaar beschikbare informatie per 10 oktober 2025. Prijzen, functies en voorwaarden kunnen wijzigen. Raadpleeg altijd de website van de aanbieder voor de meest actuele informatie.
Why choose GoDutch?
The comparison shows that GoDutch goes further in providing smart and efficient solutions for entrepreneurs on essential points. While the N26 business account mainly targets freelancers and self-employed individuals with a basic need for digital banking services, the GoDutch account offers a fully integrated platform where banking, accounting, and team management come together.
Costs
In terms of pricing structure, GoDutch is more transparent and often more affordable. There are no fixed monthly costs, and entrepreneurs receive standard access to a Dutch IBAN, free payment cards, and unlimited virtual accounts.
At N26, these advantages are partly limited to the more expensive premium subscriptions, which can go up to €16.90 per month. Additionally, N26 charges extra fees for physical cards or additional services, while GoDutch includes these as standard in the free entry package.
Features
The difference in functionality is also clear. GoDutch automates processes that are missing at N26, such as automatic invoice processing, VAT recognition, and direct accounting connections. This means that invoices are automatically recognized, recorded, and prepared for payment, eliminating the need for manual entry.
Moreover, an accountant can easily access the platform without requiring separate exports or intermediary steps. N26 does not offer these business features; users there must rely on external tools or manual export files.
Rewards and Support
Finally, GoDutch offers entrepreneurs financial benefits through cashback of up to 1.0% on all card payments, which is substantially higher than the standard rate of 0.1% to 0.5% at N26. These rewards make daily business expenses directly more profitable, allowing entrepreneurs not only to save but also to earn from their transactions.
Open your business account in 3 minutes
At GoDutch, we believe that business banking should be fast, simple, and digital. That's why you can open your business account online with us in just three minutes. Answer a few short questions, verify your identity via the app, and receive your Dutch IBAN and payment card within three hours.
Ready to operate smarter? Open your business account with GoDutch today and discover how easy and quick digital banking can be. Your account will be active within three minutes, so you can immediately get back to what really matters: growing your business.