# GoDutch: Business account

> A Dutch business account app for freelancers, BVs, VOFs, holdings and foundations: a Dutch IBAN in the company's name, SEPA and SEPA Instant, Mastercard cards and bookkeeping tools. Accounts are issued by Swan, a French e-money institution, with funds held at BNP Paribas. Free plan, or €12, €29 or €49 a month.

Finzil profile: https://finzil.com/providers/godutch · Provider website: https://godutch.com · Facts checked: 2026-10-20

## Key facts

- **Monthly fee:** from €0 (Starter €12, Pro €29, Max €49)
- **Setup fee:** Free
- **Currencies:** 1 (EUR)
- **Onboarding:** 3–5 days (typical)
- **Provider type:** Business account app; accounts from a French e-money institution
- **IBAN:** Dutch IBAN in the company's name
- **Payment rails:** SEPA, SEPA Instant
- **Cards:** Virtual and physical Mastercard
- **Safeguarding:** Safeguarded at BNP Paribas
- **Remote opening:** Yes
- **Headquarters:** Netherlands
- **Trustpilot:** 3.7 from 74 reviews (checked 2026-10-20)

## Who can apply

- **Non-resident owners** (owner or director living outside the company's country): Not published
- **Countries of incorporation accepted:** 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 (only these)
- **Countries of incorporation refused:** Not published
- **Owner residency accepted:** Not published
- **Owner residency refused:** Not published
- **Owner nationality refused:** Not published
- **Company types accepted:** Freelancers (eenmanszaak), BV, VOF, Holdings, Foundations and associations

## Industries

- **Industries served:** Freelancers, Startups and SMEs, Holding companies, NGOs and charities
- **Prohibited industries (provider's own list):** Not published

## Licences

- Operated by: GoDutch Holding B.V.; accounts provided by Swan SAS

Safeguarding: 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.

## Fees

Source: https://godutch.com/en/pricing (checked 2026-10-20)

### Plans

- **Free:** Free
- **Starter:** 12 EUR a month
- **Pro:** 29 EUR a month
- **Max:** 49 EUR a month

### Incoming

- SEPA: €0.12

### Outgoing

- SEPA: €0.12
- SEPA Instant: €0.12

### Currency exchange (FX)

- FX markup: Not published

### Cards

- Virtual card issue: Free · One virtual Mastercard on the Free plan; more by plan
- Card FX: 2% · Card payments outside the eurozone

## Opening an 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: Not published

## Pros and cons

- Pro: A free plan with a Dutch IBAN and a virtual Mastercard
- Pro: Accounts for freelancers, BVs, VOFs, holdings and foundations
- Pro: SEPA Instant at the same price as SEPA
- Pro: Bookkeeping, invoices and tax returns in the same app
- Pro: Open to companies from every EEA country
- Con: Every SEPA transfer costs €0.12, in or out
- Con: EUR only; card payments outside the eurozone cost 2%
- Con: No licence of its own: accounts depend on Swan
- Con: No list of refused industries published
- Con: Companies outside the EEA cannot open

## Finzil's take (opinion)

GoDutch is a Dutch-language business account with bookkeeping built in, priced like the other Swan-based apps and open to companies across the EEA. The €0.12 charge on every transfer adds up for busy accounts, so compare it with Knab or bunq if you send and receive often.

## Alternatives

- [bunq Business](https://finzil.com/providers/bunq-business): Bank · Netherlands
- [Knab](https://finzil.com/providers/knab): Bank · Netherlands
- [Qonto](https://finzil.com/providers/qonto): Payment institution · France
- [Finom](https://finzil.com/providers/finom): E-money institution · Netherlands

## FAQ

**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.

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