GoDutch vs Qonto
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
4.8/5
Over 20,000 customers manage their money smarter with GoDutch.
Which of the two to choose?
Are you looking for the right business account between Qonto and GoDutch? I founded GoDutch because entrepreneurs are better off with a local provider than with Qonto: fixed monthly costs, no cashback, limited Dutch integrations. With GoDutch, as a modern entrepreneur, you get a business account in 1 day, free, with cashback and automatic bookkeeping. Below, I compare both providers 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
Unlimited
3 minutes
1 day
€0
€0.12
Free with Unlimited
Free
At cost
150+
20+
€100,000
Unlimited up to 1.0%
Maximum 25
10 minutes
Within 24 hours
From €5 p/m
€0.40 (excluding included transactions)
Not possible outside included sub-accounts
€5 per month per additional One Card
✅
✅
Up to 1.8% surcharge
150+
30+
€100,000 via FGDR (FR)
❌
EN/FR/DE/ES/IT/NL
Deze vergelijking is gebaseerd op openbaar beschikbare informatie per 14 juli 2025. Prijzen, functies en voorwaarden kunnen wijzigen. Raadpleeg altijd de website van de aanbieder voor de meest actuele informatie.
More than just a payment account
Useful features
Everything you need to manage your finances as a business owner wisely — from payments to insights.
FAQ
Frequently asked questions
Discover answers to frequently asked questions about our products and services.
