Voted the business account with the number 1 service in the Netherlands

Eerlijke prijzen voor elke onderneming

4.8/5

Trusted by 25,000+ entrepreneurs

Open gratis rekening

Free

Om snel en gratis aan de slag te gaan

€0

/maand

Inbegrepen

Lokale IBAN's: NL, BE, DE, FR, IT of ES

Gratis account binnen 1 werkdag

Gratis virtuele Mastercard

Verzend en ontvang betalingen wereldwijd

24/7 ondersteuning via telefoon, chat of e-mail

Starter

Voor bedrijven die tijd en geld willen besparen

€12

/maand

Alles van Free +

Voeg partner, accountant of boekhouder toe

1 fysieke Mastercard

Facturen automatisch lezen en betalen

Bonnen scannen en bewaren

Koppeling met je boekhoudsoftware

Pro

€29

/maand

Alles van Starter +

Tot 10 teamleden met uitgavenbeheer

10 fysieke + 10 virtuele kaarten

10 virtuele IBAN's

0,5% cashback op alle kaartuitgaven

rendement met Treasury

Max

Voor snelgroeiende bedrijven en finance teams

€49

/maand

Alles van Pro +

Onbeperkt teamleden, 100 kaarten en 50 virtuele IBAN's

Toegewijde persoonlijke accountmanager

Volledige API-toegang (betalingen + data)

1,0% cashback op alle kaartuitgaven

rendement met Treasury

Bekijk alle prijzen

Nieuw

Treasury

Laat je saldo werken

Geen looptijd, geen vaste periode, geen aanvraag. Je saldo op je zakelijke rekening bouwt vanaf dag één op.

Dagelijks opgebouwd

Dagelijks uitgekeerd

Altijd opneembaar

Smart Cash GBP

4,17%

Smart Cash USD

4,12%

Smart Cash Euro

2,57%

Vergelijk alle functies

Alles naast elkaar, tot in detail. Klap open wat je wilt zien.

Earning
	Free	Starter	Pro	Max
Return with Treasury* (paid out daily)	Not included	Not included	2.57% in euros	4.17% in pounds sterling
Cashback on spending	Not included	Not included	0.5% unlimited	1.0% unlimited

Account
	Free	Starter	Pro	Max
Local IBAN (NL, BE, DE, FR, IT, ES)	Included	Included	Included	Included
KYC, KYB, AML	free	free	free	free
Extra virtual IBANs	Not included	5	10	50
Time needed to open an account	1 working day	1 working day	1 working day	1 working day

Cards & team
	Free	Starter	Pro	Max
Free virtual Mastercards	1	1	10	100
Free physical Mastercards	Not included	1	10	50
Access for your accountant, bookkeeper or controller	Not included	1	5	10
Extra team members and other users	Not included	Not included	10	unlimited

Administration & smart tools
	Free	Starter	Pro	Max
Read and pay invoices automatically	free to try	5	25	100
Scan and process receipts	free to try	5	25	250
Store receipts and invoices	free to try	Included	Included	Included
Match receipts and transactions automatically	free to try	Included	Included	Included
Tax agent (setting aside VAT and corporation tax)	coming soon	coming soon	coming soon	coming soon
Add your own spending categories	Not included	Not included	Not included	Included

Invoicing and payments
	Free	Starter	Pro	Max
Send invoices for free	free to try	3	10	50
Payment links on the invoice	free to try	3	10	50
Payment requests (“Tikkie”)	free to try	3	10	50
Receive payments online	Not included	Not included	Included	Included
Receive payments in person (POS / tap-to-pay)	Not included	Not included	Included	Included
Initiate direct debits (Core / B2B)	Not included	Not included	Not included	Included

International transfers and currency exchange
	Free	Starter	Pro	Max
Exchange currency at mid-market rates	at cost	at cost	at cost	at cost
Countries available	160+	160+	160+	160+
Currencies available	20+	20+	20+	20+
See the costs before you send or receive money	Included	Included	Included	Included
SWIFT	Included	Included	Included	Included
ACH	Included	Included	Included	Included
Fedwire	Included	Included	Included	Included

Treasury
	Free	Starter	Pro	Max
Smart Cash Euro*	Not included	Not included	2.57%	2.57%
Smart Cash USD*	Not included	Not included	Not included	4.12%
Smart Cash GBP*	Not included	Not included	Not included	4.17%

Support from real people
	Free	Starter	Pro	Max
Chat support	Included	Included	priority	priority
Email support	Included	Included	priority	priority
Phone support	Included	Included	priority	priority
Personal account manager	Not included	Not included	Not included	Included

Integrations and accounting
	Free	Starter	Pro	Max
Accounting, administration and ERP integrations	Not included	1	2	5
Access for your accountant, bookkeeper or controller	Not included	1	5	10
Exact Online	Not included	Included	Included	Included
Yuki	Not included	Included	Included	Included
Moneybird	Not included	Included	Included	Included
E-boekhouden	Not included	Included	Included	Included
Twinfield	Not included	Included	Included	Included
Visma e-Accounting	Not included	Included	Included	Included
AFAS	Not included	Included	Included	Included
Quickbooks	Not included	Included	Included	Included
Xero	Not included	Included	Included	Included
NetSuite	Not included	Included	Included	Included
Sage	Not included	Included	Included	Included
And 50+ more, see the full list here

Advanced features
	Free	Starter	Pro	Max
Bank connection (Open Banking / PSD2)	Included	Included	Included	Included
API access for transactions and documents	Not included	Not included	Not included	Included
API access to execute transactions	Not included	Not included	Not included	Included

Accepted business types
	Free	Starter	Pro	Max
BV	Included	Included	Included	Included
Eenmanszaak (zzp)	Included	Included	Included	Included
Vennootschap onder Firma (VOF)	Included	Included	Included	Included
Vereniging van Eigenaren (VvE)	Not included	Included	Included	Included
Stichting	Not included	Included	Included	Included
NV	Not included	Not included	Included	Included
Maatschap	Not included	Not included	Included	Included
Commanditaire vennootschap (CV)	Not included	Not included	Included	Included
Stichting (ANBI)	Not included	Not included	on request	on request
STAK	Not included	Not included	on request	on request
Other business types	Not included	Not included	on request	on request

Inactivity fee
	Free	Starter	Pro	Max
During a calendar month without transactions	€5	Not included	Not included	Not included

Transaction and service fees
	Free	Starter	Pro	Max
Transaction fee for instant SEPA transfers**	€0.12	€0.12	€0.12	€0.12
Transaction fee for regular SEPA transfers**	€0.12	€0.12	€0.12	€0.12
Cash withdrawals at ATMs within the SEPA area**	€1	€1	€1	€1
Fee for rejecting an outgoing direct debit due to insufficient funds**	€0.40	€0.40	€0.40	€0.40

Fair use policy

We have a fair use policy on our products and services.

Notes

All prices are listed excluding VAT.

The subscriptions for foundations, HoA's, and other associations are subject to a 0% VAT rate.

* Treasury features marked with * are available from Pro. You invest in the Spiko Amundi Overnight Swap Fund — referred to on this site as Smart Cash, a brand name — a sub-fund of Spiko SICAV: a UCITS approved by the AMF, managed by Twenty First Capital with Amundi as delegated asset manager and offered by Spiko Finance SAS. Spiko Finance SAS is your counterparty for this investment. GoDutch is not a bank, does not provide the investment service and pays no interest; we only give access to this fund product. This is not a savings account and not a bank deposit: your stake is not guaranteed, the value can fluctuate and no deposit guarantee scheme applies. The yields shown are current annualised net yields, variable and not guaranteed, net of fees before tax, and apply per currency: the pound yield applies to an investment in pounds, so if you convert from euros you take currency risk and your stake in euros can fall. Past performance is no guarantee of future results. Current rates are shown in the app. Read the Key Information Document (KID) and the prospectus before you invest.

** Costs marked with an ** are charged by our core banking services provider, Swan, in accordance with Swan's terms and conditions.

Full PDF version

Ondersteuning

Ondersteuning van echte mensen

Geen bots, geen tickets, geen wachtrij. Je krijgt direct hulp van iemand die meedenkt.

Contact opnemen

Beste klantenservice 2026

Uitgeroepen tot de zakelijke rekening met de nummer 1 service van Nederland

Zakelijk Bankenonderzoek 2026 · zakelijkbankieren.nl

Lees het onderzoek

Fast, friendly, easy. Just as it should be.

You get an account that rewards you, not the other way around. Set up in 5 minutes, no hassle, and you share in the profits.

Kies je valuta

Bedrag

€1,000€5,000,000

Looptijd

1 month48 months

Je saldo inclusief rendement

€118,151

Average per month

€378.14

Kies je valuta

Bedrag

€1,000€5,000,000

Looptijd

1 month48 months

Je saldo inclusief rendement

€118,151

Average per month

€378.14

Rekenvoorbeeld op basis van het actuele nettotarief van de gekozen valuta, dagelijks samengesteld. Tarieven zijn variabel en kunnen wijzigen. Aan dit voorbeeld kun je geen rechten ontlenen.

FAQ

Frequently asked questions

Discover answers to frequently asked questions about our products and services.

Can I start with the free plan?

Yes. You can use the free plan indefinitely, without fixed costs or obligations.

Are there any hidden costs associated with the plans?

No. In addition to the monthly price, we charge €0.14 per transfer. Any other costs are always communicated in advance.

How does the cashback work?

You will receive cashback on business expenses made with your cards. The cashback is paid out automatically on a monthly basis.

Can I add multiple cards and users?

Ja. Het aantal kaarten en gebruikers hangt af van je plan. In Pro en Max kun je eenvoudig kaarten en toegang beheren voor je team.

Do you work together with accounting software?

Yes. You can link your account to commonly used accounting programmes, so that your administration is updated automatically. View all connections on this page

Eerlijke prijzen voor elke onderneming

Free

€0

Starter

€12

Pro

€29

Max

€49

Laat je saldo werken

Smart Cash GBP

4,17%

Smart Cash USD

4,12%

Smart Cash Euro

2,57%

Vergelijk alle functies

Earning

Account

Cards & team

Administration & smart tools

Invoicing and payments

International transfers and currency exchange

TreasuryNew

Support from real people

Integrations and accounting

Advanced features

Accepted business types

Inactivity fee

Transaction and service fees

Notes and terms

Ondersteuning van echte mensen

Beste klantenservice 2026

Fast, friendly, easy. Just as it should be.

Frequently asked questions

Can I start with the free plan?

Are there any hidden costs associated with the plans?

How does the cashback work?

Can I add multiple cards and users?

Do you work together with accounting software?