A Virtual IBAN is a unique account number linked to your GoDutch account. You can use it to receive money just like with a regular IBAN. The difference? Payments are automatically routed to the correct underlying account.
This allows you to receive funds easily and efficiently—without needing an additional bank account.
How does a Virtual IBAN work?
Using a Virtual IBAN is simple:
You share your Virtual IBAN with the payer.
The payer transfers money to this account number.
We process the payment automatically.
The funds appear in your GoDutch account.
For the sender, it works just like a standard bank transfer.
Why is a Virtual IBAN useful?
A Virtual IBAN helps you keep your finances organized. It allows you to separate payments and clearly identify who sent what.
This makes it especially useful for:
📊 Separating your administration
🧾 Distinguishing between suppliers and customers
🔍 Identifying who each payment comes from
📁 Organizing different cash flows
⚡ Simplifying your bookkeeping
With a Virtual IBAN, you always know where a payment comes from.
What is the difference between a Virtual IBAN and a regular IBAN?
Feature | Virtual IBAN | Regular IBAN |
Receive money | ✅ Yes | ✅ Yes |
Own bank account | ❌ No | ✅ Yes |
Linked to a master account | ✅ Yes | ❌ No |
Works like a standard bank transfer | ✅ Yes | ✅ Yes |
Clear insight per payer | ✅ Yes | ❌ No |
How do I add a Virtual IBAN to my account?
Navigate to the settings on your desktop environment by clicking on the blue button with your name on the bottom left.
Go to 'Virtual IBANs'.
Click on 'create'.
A virtual IBAN is now created.
Additional options:
Click “Download details” to share the IBAN information.
Click the trash icon to delete the Virtual IBAN.
Click the copy icon (the two squares) to copy the IBAN.
Frequently Asked Questions
Is a Virtual IBAN safe?
Yes. Virtual IBANs are issued by regulated financial institutions and comply with European laws and security standards.
Can I send money from a Virtual IBAN?
No you can only receive payments on it and they will be forwarded to your main IBAN.
Can I receive international transfers with a Virtual IBAN?
Yes, you can receive international bank transfers, depending on the supported payment networks.
Does a Virtual IBAN cost money?
This depends on your GoDutch plan. You can have 5 from starter and this will increase based on your plan. You can review all options here on our website.
Can I have multiple Virtual IBANs?
Yes. But the amount varies per plan. All options are listed here on our website.
Need help?
If you have any questions, feel free to contact our support team via [email protected], via the chat on the app or by phone via 020 808 8020.