Costs of a business account
More about prices per entity type
Open your business account in 3 minutes and be up and running within 1 day. Start for free, unlimited cashback and 24/7 support.
1 virtual Mastercard
Send & receive payments worldwide
No setup fees, no hidden costs
Starter
Most chosen
For small companies that want to save time & money
€12
per month
Everything from Free +
Add your accountant or 1 team member
Automated invoice payments
Smart expense management
Accounting integrations
Pro
For growing companies that want control and rewards
€29
/ month
Everything in Starter +
Up to 10 team members with spending controls
10 physical cards + 10 virtual cards + 10 virtual IBANs
0.5% cashback on all card spend
Unlimited
Built for finance teams and high-growth companies
€49
/ month
Everything from Pro +
Unlimited invoice payments & receipt processing
Full API access (payments + data)
1.0% cashback on all card spend
Manage & pay
Pay and manage with your business account
Everything you need to pay, manage expenses and keep track of things, without any hassle.
Physical & virtual Mastercards with your business account
With our Mastercards, you can pay safely all over the world and receive cashback on every purchase. Use them yourself or give extra cards to your team.
Send money with instant transfers
Send money from your business account with SEPA Instant. Your payment is in the right place straight away. No waiting, no worries.
Receive cashback on your expenses
Automatically receive cashback on selected business expenses. This way, you get more out of your payments without any extra effort.
Always available, always real people
We're here for you 24/7. Whether you have a question about your business account or need help opening one, real people are on hand to help you.
Safety
Your money, always safe and protected.
Up to €100,000 covered
Your money is held safely in a segregated account and is covered by the deposit guarantee scheme (DGS). You always have access to your funds.
Multi-layer authentication
Your data is secured through multiple layers of protection. Two-factor authentication is enabled by default for added safety.
Fully regulated
GoDutch complies with all relevant laws and regulations and applies the strictest safety standards worldwide. Safety and trust come first.
How to open a business account
Sign up in 3 minutes
Enter your details and scan your passport or driving licence. That's all you need to get started.
IBAN and card within 1 day
You will receive your IBAN and debit card within 1 day. Ready to use straight away, with no extra steps.
Get started straight away
You can make payments, receive payments and automate your administration from one app.
More than just a business current account
The GoDutch business account helps you not only with payments, but also with insight, control and integrations that make your administration simpler.
Manage your expenses
See at a glance where your money is going. Categorise expenses, upload receipts and keep on top of your cash flow.
Links with your accounting software
Easily connect GoDutch to your accounting software.
Transactions and expenses are automatically synced.
FAQ
Frequently asked questions about the business account
Whether you want to know what a business account costs, how quickly you can get started, or which business account you need for your legal entity type(s): you’ll find the answers here.
Is GoDutch suitable for my business or legal structure?
Yes, GoDutch is suitable for almost any legal structure. You can open a business account if you are:
Self-employed person or sole trader.
General partnership, private limited company or public limited company.
Holding company with multiple operating companies.
SME with a team and multiple users.
Foundation, association or owners' association.
Startup or new entrepreneur.
With any legal structure, you get a Dutch IBAN, payment cards and access to all the features included in your plan. Unsure which account is right for you? Feel free to contact our team, we'll be happy to help you further.
Can I open a business account for multiple entities?
Yes, you can open a business account for multiple companies with GoDutch. In the 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. This is ideal for entrepreneurs with multiple private limited companies, a holding structure or different trading activities.
Is a business account mandatory?
A business account is not legally required for freelancers, sole proprietors or general partnerships, but it is strongly recommended for clarity and a professional appearance. For legal structures such as a private limited company (BV) or public limited company (NV), a business account is mandatory. Homeowners' associations are also legally required to have a separate account for the reserve fund. In addition, some financial institutions require you to use a business account for business transactions.
What are the benefits of a business account with GoDutch?
The benefits of a business account with GoDutch are built around what entrepreneurs miss most from traditional banks. Long waiting times, cumbersome processes, high costs and a lack of insight cause frustration and delays.
GoDutch approaches this differently, as follows:
Open in 3 minutes and operational within 1 day, without paperwork or a bank visit.
Start for free with a Dutch IBAN and virtual Mastercard.
Real-time insight into all your income, expenses and balances via the app.
Automate administration: pay invoices automatically, accounting integration and receipt processing.
Create pots for VAT, tax reserves or other allocations.
Payment cards for your team with individual limits and real-time oversight.
Collaborate with your accountant, team or co-directors with separate roles and permissions.
Up to 1.0% unlimited cashback on all your card spend and profit sharing via revenue share.
24/7 personal support from real people, no bots.
Whether you're self-employed, run a private limited company, manage a holding company or run a foundation: with GoDutch you get a business account that makes your work easier.
Can I open a business account for free?
Yes, you can open a business account with GoDutch for free. The free package is not a trial version but a fully-fledged business account, for ever. You get this straight away:
Dutch IBAN in your company’s name.
Virtual Mastercard to pay online straight away.
Send and receive SEPA payments.
Real-time insight into your income and expenses.
24/7 personal support from real people.
Want more later, such as automatic invoice payments, accounting integrations, team cards or cashback? Then you can switch at any time to a paid package starting from €12 per month. But free is truly free, with no end date and no restrictions on the basic features.
What does a business account cost with GoDutch?
A business account with GoDutch costs €0 per month. You start for free with a Dutch IBAN, virtual Mastercard and access to all basic features. Free is truly free, forever.
Want more, such as automatic invoice payments, accounting integrations or team cards? Then choose a paid plan:
Starter: €12 per month, including 0.1% cashback and access to bookkeeping.
Pro: €29 per month, including 0.5% cashback and up to 10 team members.
Unlimited: €49 per month, including 1.0% cashback and unlimited everything.
You only pay for what you really use. No small print, no hidden costs. And because you earn cashback with GoDutch on your card spend, you get some of your costs back.
What are the transaction fees of a business account?
The transaction costs of a business account at GoDutch are the same for every package and always transparent:
SEPA transfer: €0.12 per transaction.
SEPA instant transfer: €0.12 per transaction.
Card payment in the Netherlands and the eurozone: no extra costs.
Card payment outside the eurozone: 2% surcharge.
Cash withdrawal within the SEPA area: €1 per withdrawal.
Cash withdrawal outside the SEPA area: 2% per withdrawal.
No hidden costs or fine print. You always see in advance what a transaction costs, so you are never faced with surprises.
When can I open a business account?
Once your business is registered with the Chamber of Commerce (KvK), you can open a business account. You need a valid KvK number and in some cases also a VAT number. For legal structures such as a private limited company (BV), registration via the notary is also required before you can apply for a business account. At GoDutch, you can start the application to open a business account in 3 minutes and be operational within 1 day.
What do I need to open a business account?
To open a business account with GoDutch, you need the following:
A registration with the Chamber of Commerce (KvK number).
A valid passport or driving licence for identification.
In some cases, a VAT number.
For a BV or NV: registration via the notary.
That's all. No piles of paperwork, no business plans, no bank visits. You submit everything digitally during the online application and we guide you step by step. Within 3 minutes your application is complete and within 1 day you are up and running.
Can I open a business account without a Chamber of Commerce number?
No, you cannot open a business account with GoDutch without a Chamber of Commerce number. This Chamber of Commerce number is needed to verify your business and ensure that your details match the registration with the Chamber of Commerce. Have you completed your Chamber of Commerce registration? Then you can start your application with GoDutch in 3 minutes to open a business account and be operational within 1 day.
How long does it take to open a business account?
Opening a business account with GoDutch takes just 3 minutes. You complete the application entirely online and within 1 day you receive your Dutch IBAN and virtual Mastercard. If you choose a paid package, you will also receive a physical Mastercard. That lets you get started straight away with paying, receiving payments and inviting your team.
It is different with traditional banks. There, you often have to submit countless documents, wait a long time for approval and hear nothing for weeks. In the meantime, you cannot make payments and your entire business is held up. That causes stress, frustration and unnecessary downtime. At GoDutch, that is a thing of the past: fully digital, without in-person appointments or paperwork.
How do I open a business account online?
You open a business account online with GoDutch in three simple steps:
Start your application: answer a few short questions about your business and verify your identity 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. If we need any additional information, we will contact you.
Get started: deposit money into your account, invite your team members and create cards straight away.
No forms, no in-person appointments, no waiting time. Everything is handled fully digitally, whenever it suits you.
How do I keep track of my business expenses?
With the GoDutch business account, you always keep control of your spending. In the app, you can see in real time where your money is going, without having to wait for your accountant or monthly reports.
These are the features that help you do that:
Real-time dashboards giving insight into all your income and expenses.
Tagging by team, project or entity.
Virtual pots to set money aside for VAT, tax or reserves.
Categorisation of expenses and automatic receipt processing.
"Where has our money gone?" is a question many entrepreneurs only ask at the end of the month. That causes unease, stress and unpleasant financial surprises. GoDutch gives you back control, so you never have to ask that question again.
How do I automate my bookkeeping with a business bank account?
With GoDutch's business account, you automate your admin from day one.
This can be automated:
Have incoming invoices paid automatically via the app.
Link your account to accounting software such as Moneybird, Exact Online or e-Boekhouden.
Scan receipts and automatically match them to transactions.
Set up automatic workflows for recurring payments.
This saves you hours each month and leaves you time for your customers, growth and strategy.
Because let's be honest: manually retyping every invoice, collecting receipts in Excel and downloading bank statements is time-consuming and prone to errors. Especially if you don't have your own finance department, the tasks pile up quickly. GoDutch ensures your admin works with you in real time instead of chasing after you.
Can I request multiple payment cards for my business account?
Yes, you can request virtual and physical Mastercard payment cards for your business account. How many you can get depends on your plan:
Free: 1 virtual Mastercard.
Starter: 1 virtual and 1 physical Mastercard.
Pro: up to 10 virtual and 10 physical Mastercards.
Unlimited: unlimited virtual and physical Mastercards.
Each card works on the Mastercard network, with full coverage in the Netherlands and worldwide. You manage all cards from the app: set individual limits per card, decide who can spend what, and see every payment in real time. No more hunting for receipts or separate expense forms; everything is automatically tracked in your administration.
Employees advancing business expenses and waiting weeks for reimbursement? That's a thing of the past. With GoDutch team cards, you stay in control of spending without the hassle.
How do I set money aside for VAT and taxes?
With GoDutch's business account, you can easily set money aside for VAT and taxes via automatic pots. Here's how it works:
Create pots for VAT, income tax or other reserves.
Incoming amounts are automatically split and set aside.
You always see what you can really spend, separate from your reserves.
Real-time alerts keep you informed about important transactions or threshold amounts.
Every business owner knows the feeling: has enough been set aside for VAT? What if a large expense suddenly comes up? That uncertainty causes stress, often at times when you need peace of mind to run your business. With GoDutch's pots, that is a thing of the past.
Can I collaborate with my team and accountant in GoDutch?
Yes, you can easily collaborate with your team and accountant in GoDutch. You manage each user’s roles and permissions yourself. How many users you can add depends on your plan:
Free: only the owner.
Starter: 1 additional user and 1 accountant access.
Pro: up to 10 team members and unlimited accountant access.
Unlimited: unlimited everything.
Give your accountant real-time insight without full access. Add team members for only certain payment cards or pots. If the management changes, you can adjust that online straight away, without forms or a bank visit.
At traditional banks, adding someone often requires extensive authorisations, physical forms or even a visit to the bank. That leads to frustration, delays and security risks. With GoDutch, you stay in control and everyone can collaborate securely.
Which business account do I need for my legal structure?
At GoDutch, you can choose from various packages for your business account, so you always open a business account with features suited to your legal structure. Depending on the legal structure, you can specifically choose from us a self-employed account, SME account, owners' association account, private limited company account, holding company account, general partnership account or an account for an association or foundation.
A business account for every legal form
Choose the account that suits your type of business. Each option includes the features most relevant to your business structure.
Freelancer Account
For sole traders and freelancers
SME account
For growing businesses with a team
BV account
For private limited companies
VOF account
For general partnerships
Holding account
For multiple operating companies
Foundation account
For foundations
Association account
For associations
Startup account
For start-up entrepreneurs
