Overview
GoDutch, at a glance.
GoDutch is a business account app; accounts from a french e-money institution headquartered in the Netherlands. The company behind GoDutch is GoDutch Holding B.V.; accounts are provided by Swan SAS. Business accounts cost from €0 a month. Opening an account takes 3–5 days.
GoDutch does not hold a licence of its own: accounts and cards are issued by Swan SAS, a French e-money institution supervised by the ACPR, and customer money is held at BNP Paribas, separate from Swan's own funds. It is e-money, not a bank deposit.
Why businesses pick GoDutch
- A free plan with a Dutch IBAN and a virtual Mastercard
- Accounts for freelancers, BVs, VOFs, holdings and foundations
- SEPA Instant at the same price as SEPA
- Bookkeeping, invoices and tax returns in the same app
- Open to companies from every EEA country
Watch out for
- Every SEPA transfer costs €0.12, in or out
- EUR only; card payments outside the eurozone cost 2%
- No licence of its own: accounts depend on Swan
- No list of refused industries published
- Companies outside the EEA cannot open
Business fit
Will GoDutch accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on GoDutch's published rules
Likely no
GoDutch does not list United Kingdom among the countries where it accepts companies.
GoDutch does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What GoDutch publishes about the businesses it takes on.
Who GoDutch serves
- Freelancers
- Startups and SMEs
- Holding companies
- NGOs and charities
Not supported
Industries and countries GoDutch does not accept, from its own published lists.
Industries
- Not published
Countries
- Not published
Coverage
Where can you use GoDutch?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
EUR
Payment reach
Not published
Who can apply
Company incorporation countries30 countries · show list
- Austria
- Belgium
- Bulgaria
- Croatia
- Cyprus
- Czechia
- Denmark
- Estonia
- Finland
- France
- Germany
- Greece
- Hungary
- Iceland
- Ireland
- Italy
- Latvia
- Liechtenstein
- Lithuania
- Luxembourg
- Malta
- Netherlands
- Norway
- Poland
- Portugal
- Romania
- Slovakia
- Slovenia
- Spain
- Sweden
Owner nationality
Not publishedOwner residency
Not publishedCompany types
Freelancers (eenmanszaak), BV, VOF, Holdings, Foundations and associations
Pricing
What does GoDutch cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
Free
Monthly fee
€0–49
depends on plan
Free
Lowest cost€0 per month
€0 setup · €0 in year one
Starter
€12 per month
€0 setup · €144 in year one
Pro
€29 per month
€0 setup · €348 in year one
Max
€49 per month
€0 setup · €588 in year one
Transaction fees
| Cost | Listed amount | How it is charged |
|---|---|---|
| Incoming | ||
| SEPA | €0.12 | Fixed fee |
| Outgoing | ||
| SEPA | €0.12 | Fixed fee |
| SEPA Instant | €0.12 | Fixed fee |
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | Not published |
Cards
| Cost | Listed amount | How it is charged |
|---|---|---|
| Virtual card issue | Free | No charge · One virtual Mastercard on the Free plan; more by plan |
| Card FX | 2% | Percentage of the amount · Card payments outside the eurozone |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Apply
Start the business-account application online (about three minutes).
- 2
Details
Enter the company's and your own details and scan a passport or driving licence.
- 3
Checks
Swan completes the identity and company checks.
- 4
Account live
The IBAN and card are ready, usually within a day.
Documents you need
Not published
FAQ
Your questions, answered.
Is GoDutch a bank?
No. GoDutch Holding B.V. runs the app; the payment accounts and cards are issued by Swan SAS, a French e-money institution supervised by the ACPR. Customer money is held at BNP Paribas.
How much does GoDutch cost?
The Free plan costs nothing; Starter is €12, Pro €29 and Max €49 a month. SEPA and SEPA Instant transfers cost €0.12 each, and card payments outside the eurozone 2%.
Who can open a GoDutch account?
Freelancers, BVs, VOFs, holdings, foundations and associations registered in an EEA country. A Chamber of Commerce (or other trade register) number is needed.
Does GoDutch give a Dutch IBAN?
Yes, a Dutch IBAN in the company's name; the Pro plan also advertises extra virtual IBANs.
Alternatives
How GoDutch compares.
If GoDutch is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 GoDutchThis pageBusiness account app; accounts from a French e-money institution | Not published | Dutch IBANFreelancers |
| bunq BusinessBank |  | Deposit protectionFreelancers |
 KnabBank |  | FreelancersDeposit protection |
 QontoPayment institution |  | FreelancersInvoicing tools |
 FinomE-money institution | | Freelancers and small companiesInvoicing |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.