How we protect your account
Your GoDutch account is standardly secured with smart features against fraud, errors, and unwanted payments.
Guaranteed for €100,000
Deposits are insured under the European Deposit Guarantee Scheme.
Pay with certainty
We automatically check if the name and IBAN match, so that your money always reaches the correct recipient.
Extra security with multi-layered authentication
For sensitive actions such as logging in and payments, we use multi-factor authentication (MFA). This way, you are always the only one who has access to your account.
FAQ
Frequently asked questions
Discover answers to frequently asked questions about our products and services.
Is GoDutch safe?
Yes, GoDutch is super safe. We use advanced security techniques on all fronts. Data is encrypted and protected, your account is safe thanks to modern biometric login methods, transactions are secure due to Mastercard's latest safety techniques, and your money is safe because of the European deposit guarantee scheme. In addition, we conduct regular checks to ensure that everything is safe and remains safe.
How is my money safeguarded?
GoDutch works with Swan for payment services. Your funds are securely managed by Swan and held at BNP Paribas. Swan, an Electronic Money Institution based in France, is fully supervised and regulated by ACPR/Banque de France. The funds are held at BNP Paribas, one of the largest and safest banks in Europe. This means you don't have to worry about the safety of your money.
Is my money protected by the deposit guarantee scheme?
The money that is in your GoDutch account is kept separately in a protected account with our partner bank, BNP Paribas. Here, the money is protected by the European Deposit Guarantee Scheme, which guarantees all funds up to €100,000 in the event of an emergency. In this extremely unlikely case, the French Deposit Guarantee and Resolution Fund (FGDR) will be made available within 7 days.
Is GoDutch supervised by regulatory authorities?
GoDutch works with Swan for payment services. Swan, an Electronic Money Institution based in France, is fully supervised by and regulated by ACPR/Banque de France. It is authorised to provide payment services in the Netherlands and is registered with De Nederlandsche Bank under registration number R194562. Additionally, we work closely with supervisory authorities to ensure that we comply with all requirements.
Is my data safe?
All data that we store is encrypted and protected against unauthorized access. We always comply with the requirements of the GDPR legislation and the data encryption is provided with the highest standards so that your information is always well protected.
Is my GoDutch account safe?
Your account is secure because it is protected by multiple layers. The biometric login methods are modern and efficient, and additional confirmation is required before changes can be made. Furthermore, our team is available 24/7 to assist you.
Is GoDutch available for emergencies?
Yes, you can reach us 24/7 in case of emergencies so there is always assistance in times of need. Our team is ready to keep you and your account safe.
How can I recognise fraud?
At GoDutch, we are committed to keeping your financial matters safe. Fraudsters are using increasingly sophisticated techniques to obtain your personal and financial information. They are increasingly posing as financial institutions, including possibly GoDutch. Therefore, it is important to know how to recognize, prevent, and report fraud.
How do you recognize fraud?
Although fraudsters are using increasingly sophisticated techniques, you can recognize fraud by a number of different characteristics, such as one of the following points:
Unexpected communication: If unusual contact is made, be alert
Verify the sender: Always check that contact details match the official channels of GoDutch. You can find them here: https://www.godutch.com/en/contact
Request for action: Do not simply follow a request for action. Never share PIN numbers, security codes, or access to your devices
Pressure to act quickly: Do not let yourself be pressured; take your time to check the message through the official channels
What GoDutch will never do
If you doubt the authenticity of a request, we have put together a list of things we will never do or ask.
Transfer money: We will never ask you to transfer money to other accounts, even in emergencies
Request PIN numbers and security codes: We will never ask you to share your PINs, passwords, or other security codes
Home visits: We will never initiate a physical visit
Demand access to devices: We will never ask for access to your computer, smartphone, or tablet, nor request to install software
Contact by external parties: We will never allow external parties to contact you directly on our behalf
When in doubt, ask for verification
If you have doubts about the authenticity of a phone call, you can ask us for verification by following these steps:
Request an official verification
Provide a PIN of your choice
We will send this PIN to the email address linked to your account via support@godutch.com
You will receive the email and check whether the PIN is correct
Once verified, the conversation can safely continue.
Reporting fraud
If you suspect that you are dealing with fraud, please contact our customer service immediately via the official channels. Here you can check if there is currently fraud and you can report fraud. Your safety is our priority. By staying alert, following the guidelines, and reporting suspicious activities, we contribute to a safe financial environment.
