GoDutch
Qonto
Business Account
Dutch IBAN
✅
✅
Extra (virtual) IBANs
Unlimited
Maximum 25
Free virtual card
✅
✅
Free physical card
✅
✅
Free customer and company research
✅
✅
Open account / onboarding
Fully digital registration process
✅
✅
Registration time
3 minutes
10 minutes
Processing time KYC/KYB
3 hours
Within 24 hours
Costs
Fixed costs p/m (starting price)
£0
From £5 per month
Cost per SEPA payment
€0.12
£0.40 (excluding included transactions)
Cost of additional payment account (IBAN)
Free
Not possible outside included sub-accounts
Cost of additional payment card
Free
£5 per month for each additional One Card
Features
Real-time balance insight
✅
✅
Automated invoice processing
✅
✅
Automatic VAT recognition
✅
✅
Access for accountant / bookkeeper
✅
✅
Accounting integrations
✅
✅
Team card and expenditure management
✅
Limited
International
Currency exchange at mid rate
At cost
Up to 1.8% surcharge
Countries available
150+
150+
Currencies available
20+
30+
Security & Support
Deposit guarantee (covered up to)
£100,000
€100,000 via FGDR (FR)
24/7 telephone emergency support
✅
❌
Multilingual customer support
✅
EN/FR/DE/ES/IT/NL
Rewards
Cashback on card transactions
Unlimited up to 1.0%
❌
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?
Based on the comparison, it appears that GoDutch is an attractive alternative for many entrepreneurs compared to the business account of Qonto, especially in terms of onboarding, costs, and smart features.
Speed
Firstly, GoDutch excels in speed. While it can often take several working days, and sometimes even weeks, for your business account at Qonto to be fully activated, GoDutch offers a completely digital onboarding process that provides you with a working Dutch IBAN and payment card within three hours. For entrepreneurs who want to get started immediately, this is a clear advantage.
Transparency
In terms of pricing structure, GoDutch is also more transparent and cost-effective. The basic account is completely free, including a virtual card, real-time balance insights, and access for your accountant. In contrast, with Qonto, you pay at least €5 per month in fixed costs, plus additional charges for SEPA transactions and extra fees for additional accounts and payment cards.
Flexibility
Finally, GoDutch offers more flexibility for internationally operating entrepreneurs. With support for over 160 countries, transactions in 20+ currencies, and currency conversion at the mid-market rate, GoDutch distinguishes itself from Qonto, which only standardly supports euros and charges currency conversion markups.
Open your business account in 3 minutes
Open a business account with GoDutch today and experience how easy it can be to bank for business. You can open your account completely digitally in just three minutes. With a valid ID and a few short questions, your application will be completed instantly. Within three hours, you will receive your Dutch IBAN and payment card, so you can start making payments and receiving money immediately.
Join thousands of entrepreneurs who are already benefiting from automatic administration, real-time balance insights, and cashback on every payment. Open your business account now and see for yourself how GoDutch makes a difference.