GoDutch vs N26
As entrepreneurs, we mainly want one thing: to spend our time on what truly matters. That’s why, at GoDutch, we show how business banking can be smarter, faster and simpler. On this page, you’ll discover why more and more entrepreneurs are choosing GoDutch instead of N26. Read how our smart business account compares with N26’s business account. We have set out the key facts and features side by side in a transparent comparison.
Over 20,000 customers manage their money smarter with GoDutch.
GoDutch
N26
Business Account
Dutch IBAN
✅
German IBAN
Extra (virtual) IBANs
Unlimited
Maximum 10
Free virtual card
✅
✅
Free physical card
✅
✅
Free customer and company research
✅
✅
Open account / onboarding
Fully digital registration process
✅
✅
Registration time
3 minutes
8 minutes
Processing time KYC/KYB
3 hours
A few hours
Costs
Fixed costs p/m (starting price)
€0
€0
Cost per SEPA payment
€0,12
€0
Cost of additional payment account (IBAN)
Free
€0 (up to 10 with Premium)
Cost of additional payment card
Free
€10 per additional 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
At cost
Countries available
150+
25+ (EU/EEA countries)
Currencies available
20+
Only EUR
Security & Support
Deposit guarantee (covered up to)
€100.000
€100.000
24/7 telephone emergency support
✅
❌
Multilingual customer support
✅
EN/DE/FR/ES/IT
Rewards
Cashback on card transactions
Unlimited up to 1.0%
Up to 0.5%
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.
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Why choose GoDutch?
Publicatiedatum:
Last updated:
18 Mar 2026
6 minutes read
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.
