Open a business account for your holding company
Open a business account for your holding company in 3 minutes and be operational within 1 day. Start for free, with unlimited cashback and 24/7 support.
4.8/5
1 virtual Mastercard — for incidental expenses
Pay and receive globally — including international dividends
No setup or hidden fees
Starter
Most chosen by holdings
For holding companies that want to save time and money
€12
per month
Everything from Free +
Add accountant or tax advisor — for corporation tax return
5 virtual IBANs — pots for reserves, investments and DGA salary
Automated invoice payments — trust office, accountant, advisory services
Accounting integration — Exact, Twinfield or Moneybird
Pro
For holding companies with multiple operating companies
€29
/ month
Everything in Starter +
Up to 10 team members with expense control — director, partner, accountant
10 virtual IBANs — one pot per participation
10 physical + 10 virtual cards — separate card per participation
0.5% cashback on all card spend
Unlimited
For fast-growing holdings and finance teams
€49
/ month
Everything from Pro +
Interest on your holding reserves — earn on cash holdings
Unlimited virtual IBANs — as many pots as you like
SEPA direct debit — internal management fees for your operating companies
1.0% cashback on all card spend
Full API access — connect with family office or wealth management
The business account for your holding company that works with you
Everything your holding company needs to easily manage payments, cards and expenses. In one place.
Business holding account within 1 day
In 3 minutes you can open a business account for your holding company, and within 1 day you can send and receive payments.
Let your holding account do the work
GoDutch automates your financial administration, from incoming invoices to expense management. You focus on running your business; we take care of the rest.
Connect your accounting software
Link GoDutch to your accounting software and automate the administration of your holding and operating companies. Fewer errors, less work and more oversight.
Then vs Now
What changes for you as a director-shareholder (DGA)
Managing a holding company at a major bank versus at GoDutch.
FAQ
Frequently asked questions about the holding account
Whether you want to know how to manage multiple BVs from a single overview, what a holding account costs, or how quickly you can be operational: you will find the answers here.
Is GoDutch suitable for my holding company?
Yes, GoDutch is pre-eminently suited for a holding. You open a business account tailored to how a holding structure works: with a real-time overview of all your entities, effortless switching between your holding and operating companies and automations that make intercompany transfers run flawlessly.
You get a Dutch IBAN, virtual and physical Mastercard debit cards, direct accounting connections and 24/7 personal support. Whether you manage two BVs or five, with GoDutch you are up and running within 1 day.
What is a holding account?
A holding account is a business account opened in the name of a holding company. This account is used to manage the financial flows within the holding structure, such as:
Dividend receipts from operating companies.
Loans to or from operating companies.
Holding cash reserves and corporate income tax (VPB) reserves.
Paying management fees, accountants, and tax advisors.
The holding account forms the financial hub of your corporate structure. With GoDutch, you can manage your holding and all your operating companies from a single dashboard, with real-time insight into balances and cash flows per entity.
Can I open a business account for multiple BVs?
Yes, you can open a separate business account with GoDutch for all your private limited companies (BVs) and your holding company. In the app, you can effortlessly switch between your holding company and operating companies without having to log in again. Each entity has its own IBAN, its own users and its own settings, but you manage everything from a single overview.
This is particularly essential for holding company owners: you want to know the balances and cash flows per BV at any given moment, without having to log in separately for each entity or run manual exports. With GoDutch, you can see this in real-time, consolidated and per entity.
Is a business account mandatory for a holding company?
A business account is not legally required for a holding company, but in practice it is indispensable. A holding company is a separate legal entity and must maintain accounts separate from its operating companies. In addition, most financial institutions do not allow a personal account to be used for business purposes.
There are several reasons why a separate holding account is essential:
Clear financial separation between the holding company and operating companies.
Taxwise and legally watertight administration.
Transparent intercompany transactions (dividends, loans, management fees).
Accountants, bookkeepers and the Tax Authorities expect every BV to have its own account.
With GoDutch, you can open a business account for your holding company in 3 minutes and be operational within 1 day. No weeks of procedures or endless documentation.
What should I look out for when opening a holding account?
When opening a holding account, it is important to pay attention to the following points:
Speed: how long does it take before you are operational? At traditional financial institutions this can take weeks, with GoDutch, 1 day.
Overview per entity: can you effortlessly switch between your holding and operating companies from a single environment?
Costs per account: do you pay fixed monthly costs per BV, even if it is hardly used?
Accounting integrations: are transactions automatically synchronised per entity, or do you have to export manually?
International payments: are transfers abroad fast and affordable?
Onboarding: are you treated as an entrepreneur or as a suspect?
GoDutch scores on all these points. You open the business holding account in 3 minutes, manage all your entities from one app, pay only for what you use and are treated with the respect you deserve as an entrepreneur.
How much does a business account for my holding company cost at GoDutch?
A business account for your holding company with GoDutch starts for free. You can get started right away with no fixed monthly costs. Do you want more overview and automation for your holding structure? Then choose a paid package:
Free (€0/mth): IBAN and virtual Mastercard debit card for a holding company with occasional transactions.
Starter (€12/mth): accounting integrations, 5 virtual IBANs as pockets for reserves and corporate income tax (VPB), and accountant access.
Pro (€29/mth): up to 10 users, 10 virtual IBANs as pockets per subsidiary, and 0.5% cashback.
Unlimited (€49/mth): unlimited everything, 1.0% cashback, API access, and a dedicated account manager.
In addition, you pay €0.12 per SEPA transfer and card payments within the eurozone are free. International transfers to 160+ countries are available at competitive exchange rates, without hidden markups.
With traditional financial institutions, you easily pay €20 to €30 per month per account, even if it is hardly used. For a holding company with multiple entities, that quickly adds up. At GoDutch, you only pay for what you actually use.
How long does it take to open a business account for a holding company?
Opening a business account for your holding company at GoDutch takes just 3 minutes. You complete the application fully online and within 1 day you will receive your Dutch IBAN and virtual Mastercard debit card. If you choose a paid package, you will also receive a physical Mastercard debit card.
At traditional financial institutions, opening a holding account often takes weeks, sometimes the application is even rejected after a long waiting period. In the meantime, your business operations come to a standstill: investments are delayed, intercompany transfers cannot take place, and your cash remains stuck. As a holding owner, your time is strategic. At GoDutch, we do not waste it.
How do I open a business account for my holding company?
You open a business account for your holding company at GoDutch in three simple steps:
Start the application: fill in the basic details of your holding company and identify yourself with your passport or driving licence via the camera.
We process your application: within 1 day you will receive your Dutch IBAN and virtual Mastercard debit card. If any additional information is required, we will contact you.
Get started: add your operating companies, invite your accountant and start managing your holding structure from a single overview.
Do you have multiple private limited companies (BVs)? Then you open a separate account for each entity and switch effortlessly between your holding company and operating companies without logging in again. No physical appointments, no piles of paperwork, no week-long procedures.
How do I maintain an overview of multiple private limited companies from my holding company?
With the GoDutch business account, you can manage all your BVs and your holding company from a single environment. You can switch effortlessly between entities without having to log in again and see everything in real time:
Balances per entity and consolidated.
Incoming and outgoing transactions per operating company.
Intercompany cash flows (dividends, loans, management fees).
Expenses per category, project or entity.
With most traditional financial institutions, you have to log in separately for each BV, run manual exports and create overviews in Excel yourself. This takes hours per week and leads to fragmented insight. As a holding company owner, you want to know where your money is at any given moment. With GoDutch, you always have that overview, not after the event.
How do I prevent errors in intercompany transfers?
With the business account from GoDutch, you prevent errors in intercompany transfers thanks to smart automations:
Set up standing orders for recurring transfers such as management fees or loans.
Receive real-time notifications for important transactions between your holding company and operating companies.
Automatic detection of intercompany cash flows for your administration.
Every transfer is immediately synchronised with your accounting software per entity.
With a holding company, the consequences of a single mistake can be significant. An incorrect amount for a dividend distribution, a duplicate loan transfer, or a missed management fee can lead to accounting issues or fiscal penalties. As a holding owner, you do not want to run that risk. GoDutch automates these cash flows so that you save time and sleep soundly at night.
Can I make international payments from my holding account?
Yes, from your holding account at GoDutch you can easily make international payments to more than 160 countries in 20+ currencies. This is what you get:
SWIFT payments outgoing and incoming.
Exchange currency at mid-market rates, without hidden markups.
Insight into costs before you send money.
ACH and Fedwire transfers for the US.
With traditional financial institutions you easily pay €30 or more per international transfer, with unfavourable exchange rates and days of waiting time. For holdings that operate internationally, for example with dividend receipts from abroad or investments in foreign participations, that adds up quickly. At GoDutch, international transfers are fast, transparent and affordable.
How do I link my holding account to my accounting software?
You connect your holding account at GoDutch to your accounting software in just a few clicks. We support direct connections with, among others:
Exact Online
Twinfield
Moneybird
Jortt
The major advantage for holdings: transactions are automatically synchronised per entity. Your holding company and each operating company have their own connection, so that your administration remains separate per BV and yet is managed from one single environment.
With most traditional financial institutions, you have to manually download and import bank statements for each BV. With a holding company with three or four operating companies, this takes you hours per month, with all the associated risks of errors and tax implications. With GoDutch, that is a thing of the past.
Can I add multiple users to my holding account?
Yes, you can add multiple users to your holding account with GoDutch. You manage the roles and permissions of each user yourself. The quantity depends on your package:
Free: owner only.
Starter: 1 extra user and 1 accountant access.
Pro: up to 10 users and unlimited accountant access.
Unlimited: unlimited everything.
With a holding, this is essential: your director-major shareholder (DGA) has full control, your co-shareholder or partner gets viewing access, your accountant collaborates in real-time, and your trust office or asset manager only sees what is necessary. Everyone gets the right access without unnecessary authorisations or forms.
Can I request multiple payment cards for my holding account?
Yes, you can request virtual and physical Mastercard debit cards for your holding account. How many depends on your package:
Free: 1 virtual Mastercard.
Starter: 1 virtual and 1 physical Mastercard.
Pro: up to 10 virtual and 10 physical Mastercards, separate card per subsidiary.
Unlimited: unlimited virtual and physical Mastercards.
With a holding company, it is useful to create a separate debit card per operating company or per cost item. This way you can see immediately which expenses belong to which entity, without having to find out afterwards who paid what. Each debit card has its own limits and settings, and all expenses are visible in real-time in the app.
Which business account do I need for my legal structure?
The business account you need depends on your legal form. In addition to the holding account, you can also choose from accounts for other legal forms at GoDutch:
Sole trader or freelancer: Sole trader account.
Growing business with a team: SME account.
Private limited company: BV account.
General partnership: VOF account.
Apartment owners: VvE account.
Non-profit or charity: account for foundation.
Also, view the full overview on our page about business accounts. Not sure which account suits you best? Our team is happy to help you.
