GoDutch provides a fast-to-open business bank account designed to save SMEs time and money. The platform offers features like automated expense management, integrated bill pay, and up to 1% cashback on card transactions. Users benefit from real-time financial insights and 24/7 human support through a dedicated mobile application.
Funding
Funding not disclosed
Founders
Product
Problem
Business owners and freelancers often encounter lengthy account onboarding, fragmented financial tools, manual invoice processing, and opaque international transfer fees, which together increase administrative overhead and cost.
Solution
GoDutch delivers a fully digital business banking platform that provides an IBAN and Mastercard within three hours, enabling instant SEPA transfers and low‑cost global payments in over 20 currencies. The service combines corporate and virtual cards with unlimited cashback, AI‑driven expense management that auto‑matches receipts via OCR, and automated bill‑pay that processes incoming invoices without manual entry. Real‑time spend monitoring and customizable card limits give teams full control, while seamless integrations with major Dutch accounting software (Exact, Moneybird, AFAS, etc.) synchronize transactions automatically. All features are accessible through a mobile app with biometric login, and 24/7 human support ensures continuous assistance.
Target Audience
Primary customers are Dutch SMEs, startups, freelancers, and other legal entities (e.g., foundations, VOFs, VvEs) that need a fast, integrated, and cost‑effective business banking solution.
Features
- Instant SEPA transfers and worldwide payments (SWIFT, ACH, Fedwire) with transparent mid‑market exchange rates and no hidden fees.
- IBAN and Mastercard issued within three hours, supporting both physical and virtual cards with unlimited 1 % cashback on all spend.
- AI‑powered expense management: OCR receipt capture, automatic invoice recognition, and real‑time transaction categorization.
- Automated bill‑pay workflow that schedules and executes payments directly from the app.
- Per‑user card limits, live push notifications, and spend dashboards for granular control.
- Open‑banking integrations via PSD2 with Dutch accounting packages (Exact, Moneybird, AFAS, Twinfield, etc.) for end‑to‑end reconciliation.
- Multi‑layer security: biometric login, two‑factor authentication, Mastercard SecureCode, and €100 k deposit guarantee under the European Deposit Guarantee Scheme.
- 24/7 dedicated customer support via phone, chat, and email.