Opening a Bank Account in the Netherlands – Why and How

One of the first things you’ll need after arriving in the Netherlands is a Dutch bank account. It’s essential for working, paying rent, receiving your salary, and managing daily expenses.

Why Do You Need a Dutch Bank Account?

Without a local bank account, you may run into serious problems:

• Employers usually only pay salaries to a Dutch IBAN
• Many landlords and agencies ask for Dutch bank transfers
• Government benefits (like zorgtoeslag) are only paid to a Dutch account
• Most stores and restaurants prefer card payments — cash is rare

Apps like Tikkie, public transport cards (NS Flex), and subscription services also require Dutch banking access.

What Do You Need to Open One?

To open a Dutch bank account, you’ll usually need:

• A valid passport or EU ID
• Your BSN number (from the gemeente)
• Proof of address (e.g. rental contract)
• In some cases: your employment contract or payslip

Tip: Always bring both digital and paper versions of your documents.

Where Can You Open an Account?

Major banks:

• ING – Easy online application, available in English
• Rabobank – Reliable, with in-person and digital support
• ABN AMRO – Expat-friendly and offers English-language services
• SNS / ASN / RegioBank – Smaller banks, often community-based

Online/mobile banks:

• bunq – Fast registration, full English support, good for freelancers
• Revolut – Not a Dutch IBAN, but useful for international transfers and temporary use

Not all banks accept foreign addresses — register with the gemeente first.

How Long Does It Take?

• With digital banks (bunq), you can open an account in 10 minutes
• With traditional banks, it usually takes 2–5 days after your appointment
• You’ll receive a debit card (pinpas) and can use it in all Dutch stores

Final Tips

• Make sure your name is on the mailbox, or your card may not be delivered
• Activate online banking and apps to check your balance, send Tikkies, and pay bills
• Some banks charge monthly fees (around €2–5), especially if you want extra features like dual currency or joint accounts