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
Unlimited
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?
Yes, you can add extra users to your self-employed account. How many depends on your plan: with Starter you can add 1 user, with Pro up to 10 and with Unlimited unlimited. You manage all permissions and settings yourself, so each user gets exactly as much access as you want. You can also easily give your bookkeeper or accountant access, so they can immediately view your transactions without you having to send exports yourself.
Can I apply for multiple payment cards for my freelance account?
Yes, you can request multiple payment cards for your freelance account. How many depends on your package: with Free you get 1 virtual Mastercard, with Starter also a physical card, with Pro up to 10 of each and with Unlimited unlimited. Each card works on the Mastercard network, with full coverage in the Netherlands and worldwide, both in shops and online. You manage all your cards from the GoDutch app and set your own limits and settings for each card.
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?
Yes, at GoDutch you earn on your business expenses. Depending on your plan, you receive unlimited cashback on all your card spending: 0.1% with Starter, 0.5% with Pro and 1.0% with Unlimited. In addition, you share in the profits via revenue share. With the Unlimited plan, you also receive a commercial bonus on your balance.
Besides cashback, from Starter onwards you also get access to features that save you time, such as automated invoice payments, smart expense management and accounting integrations.
But perhaps the most important reward: you are not on your own. As a self-employed person, you are constantly making decisions about money, investments and clients, and that can feel lonely. At GoDutch, our team thinks with you, gives you insight and offers personal support 24/7.
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.
