Prices for your self-employed account
Open a business bank account for self-employed professionals in 3 minutes and be up and running within 1 day. Start for free, unlimited cashback and 24/7 support.
4.8/5
Gratis
For freelancers who are just starting out or want to try it first
€0
/ month
1 virtual Mastercard: separate business and personal
Pay and receive globally: also customers in USD or GBP
No setup or monthly fees
Starter
Most chosen
For working freelancers who want to save time and money
€12
per month
Everything from Free +
Add accountant: for VAT and Income Tax returns
Scan 10 receipts: automatically reclaim VAT
Automated invoice payments: SaaS tools, accountant, subscriptions
Accounting integration: Moneybird, e-Boekhouden etc.
Pro
For freelancers with high expenses or growth ambitions
€29
/ month
Everything in Starter +
10 virtual IBANs: pots for VAT, Income Tax and pension
100 receipts per month: for busy freelancer years
10 physical + 10 virtual cards: a separate card per project or SaaS
0.5% cashback on all card spend
Max
For freelancers who are scaling or spending a lot on business expenses
€49
/ month
Everything from Pro +
Interest on your balance: earn on your VAT pot and buffer
Unlimited virtual IBANs
1.0% cashback on all card spend
Full API access: for tech freelancers who integrate with their own tools
One place for your money, expenses, and administration.
GoDutch helps you not only pay and receive but also ensures that your financial matters are automatically in order. Without extra tools. Without extra work.
Get free digital maps
Get a free digital card. Choose a paid subscription and also enjoy a free physical card.
No more receipts lost
GoDutch automates your financial administration, from incoming invoices to expense management. You focus on doing business, we take care of the rest.
Automate your accounting
Link your GoDutch self-employed account to your accounting software and let transactions be passed on automatically. Fewer errors, less manual work and always up-to-date insight.
FAQ
Frequently asked questions about the self-employed account
From fees and speed to accounting integrations and cashback: here you'll find answers to the most frequently asked questions about GoDutch's business account for self-employed professionals.
Is GoDutch suitable for my entity?
Yes, you can go to GoDutch for your entity. Whether you want to open an account for a large public limited company, a small to medium-sized enterprise, your general partnership, or your sole proprietorship, we gladly welcome you as one of our users.
Can I open a ZZP account for multiple entities?
Yes, you can open business accounts for multiple entities. In the GoDutch app, you can easily switch between your different accounts without logging in again, so you always keep an overview of all your entities from one place.
Can I add multiple users to my self-employed account?
Ja, je kunt extra gebruikers toevoegen aan je ZZP rekening. Hoeveel hangt af van je pakket: bij Starter voeg je 1 gebruiker toe, bij Pro tot 10 en bij Max onbeperkt. Je beheert alle rechten en instellingen zelf, zodat iedere gebruiker precies zoveel toegang krijgt als je wilt. Je kunt ook je boekhouder of accountant eenvoudig toegang geven, zodat die direct meekijkt in je transacties zonder dat je zelf exports hoeft te sturen.
Can I apply for multiple payment cards for my freelance account?
Ja, je kunt meerdere betaalkaarten aanvragen voor je freelance rekening. Hoeveel hangt af van je pakket: bij Free krijg je 1 virtuele Mastercard, bij Starter ook een fysieke kaart, bij Pro tot 10 van elk en bij Max onbeperkt. Elke kaart werkt op het Mastercard-netwerk, met volledige dekking in Nederland en wereldwijd, zowel in winkels als online. Je beheert al je kaarten vanuit de GoDutch-app en stelt per kaart eigen limieten en instellingen in.
Why should I open a business account as a self-employed person?
As a self-employed entrepreneur, a lot comes your way: managing projects, keeping customers happy and, in the meantime, staying on top of your finances. A separate business account is one of the smartest steps you can take as a freelancer. You keep personal and business separate, your accountant has less to work out and your administration becomes much clearer. The business accounts of GoDutch are specially built for sole traders and private limited companies with one shareholder: opened quickly, without unnecessary costs and with features that automate your administration.
Is a business bank account mandatory for self-employed people?
No, a business account is not legally required for self-employed freelancers (ZZP'ers). However, it is strongly recommended. Without a separate account, your bookkeeper has to separate business and private transactions every quarter, which takes extra time and therefore adds extra costs. Some financial institutions even require a business account. With a separate account, you avoid mistakes, keep your administration organised and appear more professional to clients.
What are the benefits of a freelancer account with GoDutch?
As a self-employed professional, you mainly want to do what you’re good at: running your business. But in practice, valuable time is often lost to administration, chasing payments or worrying about tax returns. GoDutch understands that better than anyone and offers a business account that is truly built to meet your needs as a self-employed professional.
These are the benefits you experience as a self-employed professional with GoDutch:
You keep private and business expenses separate, which keeps your bookkeeping clear and saves you costs at the accountant.
You win back valuable time because GoDutch automates your administration and makes manual work unnecessary.
You avoid financial surprises by creating smart pots for VAT, a buffer and/or tax reserves.
You no longer have to chase outstanding invoices yourself, because automatic reminders and real-time insight take over your credit control.
Your administration is always up to date thanks to direct integrations with your accounting software, helping you avoid errors and duplicate work.
You come across more professionally to customers with a business IBAN and streamlined financial processes that take hardly any of your time.
You keep a firm grip on your cash flow with real-time balance insight and expense management, even when customer payments are delayed.
You get real rewards for your business spending, such as unlimited cashback and a share of the profits through revenue share.
You open your account in just 3 minutes and receive your IBAN and payment card within 1 day.
You are never on your own thanks to 24/7 personal service from people who truly understand you and think along with you.
A business account from GoDutch is therefore much more than just a separate IBAN for your business income and expenses. It is a foundation for your financial health as a self-employed professional. And you can build that foundation quickly and smartly with GoDutch.
How quickly can I open a self-employed account?
With GoDutch, you can open your self-employed account in just 3 minutes. You fill in a short online application and verify your identity with your passport or driving licence. Within 1 day, you receive your IBAN and virtual Mastercard, so you can start paying online straight away and get on with your business. If you choose a paid package, you can also request physical payment cards. That is a major difference compared with traditional banks, where opening a business account for your sole proprietorship or private limited company with a sole shareholder can easily take days to weeks.
Is it easy to open a business account as a self-employed person?
Yes, opening a ZZP account at GoDutch is very easy. You go through a few simple steps: enter your details, complete an ID check and that’s it. The whole process takes just 3 minutes, and there is no paperwork or office visit required. You can arrange everything online, whenever it suits you.
How much does a self-employed account cost at GoDutch?
With GoDutch, you can open a self-employed account from €0 per month. You pay no fixed monthly costs, only per transaction. Free really is free: you get a Dutch IBAN straight away, a virtual Mastercard and access to all basic features.
Want more, such as unlimited cashback, physical cards or accounting integration? Then you can choose a paid plan from €12 per month. With a paid plan, you receive up to 1.0% cashback on all your card spending and share in the profits via revenue share. But even with the free plan, you still have a fully-fledged business self-employed account.
How does GoDutch help me save time on my administration?
The GoDutch business account for self-employed professionals automates your administration, so you no longer spend evenings or weekends processing receipts and preparing VAT returns. Because let’s be honest: every minute you spend on your bookkeeping is a minute less for your customers, your family, or simply some peace and quiet. Invoices are paid automatically, if you want. You get real-time insight into your income and expenses, and all transactions are neatly listed in one clear app. No more separate tools or Excel sheets. That way, you spend your time on your trade, not on bookkeeping.
Can I link my self-employed account to my accounting package?
Yes, GoDutch offers direct integrations with all major accounting packages such as Moneybird, e-Boekhouden.nl, Exact Online, Quickbooks and more. Your transactions are imported automatically every day, so you no longer need to download and import CSV files. Because your time is valuable, you would rather spend it on your profession than on manual exports. You can easily give your accountant access to your data, which makes collaboration smoother. That way, your administration is always up to date without you having to chase it every month yourself.
How does GoDutch help with outstanding invoices and cash flow?
Late-paid invoices are a daily reality for many freelancers. On average, one in five invoices is only paid after the due date, often only after several reminders. And it goes beyond frustration: the stress of whether you’ll bring in enough to cover your mortgage, insurance and groceries literally keeps many self-employed people awake at night.
GoDutch’s business account for freelancers helps you let go of that stress. In the app, you can see at a glance which invoices have been paid, which are still outstanding and what is still due in. You can have reminders sent automatically, so you do not have to chase your money yourself. In addition, GoDutch gives you real-time insight into your available balance and lets you create pots for, for example, VAT or tax reserves. That way, you always see what you can actually spend and keep a grip on your cash flow, even if a payment is delayed.
Do I get cashback or rewards with my self-employed account?
Ja, bij GoDutch verdien je aan je zakelijke uitgaven. Afhankelijk van je pakket ontvang je onbeperkte cashback op al je kaartuitgaven: 0,1% bij Starter, 0,5% bij Pro en 1,0% bij Max. Daarnaast deel je mee in de winst via revenue share. Met het Max-pakket ontvang je bovendien een commerciële bonus op je saldo.
Naast cashback krijg je vanaf Starter ook toegang tot functies die je tijd besparen, zoals geautomatiseerde factuurbetalingen, slim onkostenbeheer en boekhoudkoppelingen.
Maar misschien wel de belangrijkste beloning: je staat er niet alleen voor. Als ZZP'er maak je voortdurend keuzes over geld, investeringen en klanten, en dat kan eenzaam voelen. Bij GoDutch denkt ons team met je mee, geeft je inzicht en biedt 24/7 persoonlijke ondersteuning.
What other business accounts does GoDutch offer?
GoDutch offers business accounts for almost every legal structure. In addition to the self-employed account, you can come to us for an SME account, BV account, VOF account, holding account, homeowners' association account or an account for foundations. Each business account is tailored to the specific needs of that legal structure.
