Things can be done differently
The account that gives back through cashback
With every payment you make, you get something back. GoDutch automatically rewards you when using your business card.
Earn cashback with your card
With every payment you make, you get something back. GoDutch automatically rewards you when using your business card.
We earn, so do you
At GoDutch, we don’t keep all profits to ourselves. You share in what we earn through your account.
Always clear what you earn
No vague promises or hidden conditions. Your cashback is paid out quarterly.
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How does cashback on a business account work?
Cashback on a business account means that with every card payment you automatically get part of the amount back into your business account. It is money, not points or vouchers that you have to redeem first.
Only payments with your business card count; a transfer to a supplier does not earn cashback. The more of your business costs you pay by card, the more it earns, especially if there is no cap on the cashback.
How much cashback do you get with GoDutch?
With GoDutch you get 0.5% cashback on your card spending on the Pro plan and 1.0% on the Max plan, with no cap; Free and Starter include no cashback. You can see what else each plan includes under plans and pricing.
An example: if you pay €3,000 a month in business costs by card, that is €36,000 a year. On Pro that earns €180 cashback a year, on Max €360. Because there is no ceiling, that amount simply grows with your card spending.
Why can a business account give cashback?
A business account can give cashback because the shop or supplier where you pay is charged a fee on every card payment. That fee is a fixed part of paying by card, and part of it goes to the party that issues the card.
At GoDutch you share in that income through a revenue share on card spending. The cashback is your share of what your own card payments generate, and that is also why there is no cap on it.
Do you get cashback with a debit card or with a business credit card?
You get cashback with both, but it works differently with a debit card than with a business credit card. With credit cards, cashback is often tied to an annual fee, a points system or the use of credit, and you pay back the spending later in one go.
The GoDutch card is a Debit Mastercard. You pay directly from your business account, build up no credit or debt and get the cashback as an amount in your account, not as points. If you are looking for a business credit card with cashback because you want a reward on your spending, you get that on Pro and Max without a credit card.
How do you get more out of cashback on your business spending?
You get more out of cashback by moving business spending that you now pay in another way onto your business card. Only card payments count, so the gain lies in what still goes outside the card today:
Subscriptions and software: pay recurring costs by card instead of via an invoice and a transfer, if the supplier allows it.
Your team's spending: give team members their own card, so their business spending also counts instead of going through expense claims.
Travel and expenses: pay for business trips, parking and small purchases with the business card instead of a personal card.
For subscriptions, virtual cards per supplier work well: the payment counts towards your cashback and you can see per subscription what is being charged.
If your team pays with their own cards, the cashback goes to the company's account, not to the employee who paid. And because you set a limit per card or per team member, cashback stays a return on spending you were making anyway, rather than a reason to spend more.
Who benefits from a business account with cashback?
A business account with cashback pays off mainly if a large share of your business costs is paid by card: software subscriptions, advertising budgets, business travel and purchases from online shops. The higher that card spending, the more the cashback earns per year.
If you pay most costs via invoices and transfers, cashback earns less. Then it is worth looking at which of those expenses could also be paid by card, such as recurring subscriptions that still run on invoices today.
What should you look out for with a business account with cashback?
With a business account with cashback, the difference between providers lies mainly in the terms, not in the percentage on the front page. Look out for these points:
A cap per month or year: if there is a ceiling, cashback earns nothing extra on higher spending.
Excluded spending: some providers exclude categories, so check which spending does and does not count.
Money or points: do you get cashback as an amount in your account, or as points you have to redeem first?
The plan: which plan includes cashback, and how do the costs of that plan compare with what you get back?
At GoDutch there is no cap on cashback on Pro and Max, all payments with your GoDutch card count and you get the cashback as an amount in your account. In the end, though, choose a business account on the whole package: cashback is a nice return on top of an account that suits the way you work, not the only reason to switch. If you pay a lot of business costs by card, see whether Pro or Max suits your spending.
FAQ
Frequently asked questions about cashback on your spending
Do I also get cashback on payments abroad?
Yes, you also get cashback on payments abroad, as long as you make them with your GoDutch card and are on Pro or Max. Every card transaction counts: paying in a shop abroad just as much as paying a foreign online shop or software supplier. The cashback reaches your account in the same way.
Does a payment with a virtual card or Apple Pay count too?
Yes, a payment with a virtual card or via Apple Pay or Google Pay also counts towards your cashback. It is the same GoDutch card, just without the plastic or via your phone. That is why a separate virtual card per subscription works well: those payments earn cashback too.
Do I get cashback if I pay by transfer?
No, you only get cashback on payments with your GoDutch card, not on transfers. If you currently pay a supplier by invoice and transfer, check whether they also accept card payments. With subscriptions and software suppliers that is often possible, and then the payment does count towards your cashback.
Do I have to sign up to get cashback?
No, you do not have to sign up for cashback at GoDutch. If you are on Pro or Max, you build up cashback automatically with every payment with your business card, and it is credited to your account every quarter. You do not have to collect points, enter codes or request anything.
How do I see how much cashback I have built up?
You can see how much cashback you have built up in real time in the GoDutch app. Your card payments count towards that overview immediately, so you do not have to wait until the end of the quarter to know what will be credited.
