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Opening a bank account in the Netherlands

Opening a bank account is one of the first things to do when you are moving to the Netherlands. Although all banks in the Netherlands offer a wide range of services accessible easily via online and mobile banking, it is important to take several factors into consideration, such as yearly/monthly fees or the number of days to receive a card, which vary from bank to bank.

Top Dutch banks



ABN AMRO offers both current (checking) and savings accounts for residents, international students, athletes and entertainers. They also has an expat-friendly service fully in English. Accounts can also be opened in advance of your move to the Netherlands. Along with their mobile and digital banking options, ABN AMRO also offers a preferred banking status with luxury offerings to customers with at least €200,000 to invest.

  • Monthly fee: starting from €1.55 per month
  • Time to receive the card: 5 working days
  • BSN number: required
  • Languages: Dutch and English



ING is one of the largest retail banks in the Netherlands. It offers a range of savings account options, as well as current (checking) accounts for residents, children, young people, students, and joint account for couples. Mobile banking is also available in English, enabling you to open a new account within minutes.

  • Monthly fees: starting from €1.55 a month
  • Time to receive the card: 3-5 working days
  • BSN number: not required
  • Language: Dutch and English



Another big Dutch retail bank, Rabobank offers three current accounts – the Direct Pakket , the Basis Pakket  and the Totaal Pakket .All accounts are available online and as mobile accounts. There are tailored packages for young people, students, businesses and joint accounts for couples.

  • Monthly fees: starting from €1.55 a month
  • Time to receive the card: 5- 10 working days
  • BSN number: required
  • Language: Dutch


SNS Bank

In addition to a standard current account available for children and young person’s accounts, student account and joint account options, SNS Bank also offers an EU Payment account. This can be opened from anywhere in the EU without the need for a Dutch citizen service number (BSN).

  • Monthly fees: starting from €2.75 a month
  • Time to receive the card: approximately 2 weeks
  • BSN number: required
  • Language: Dutch

What documents do I need?

In order to open your account at any of the above banks, you will need a number of documents:

Once all the details have been processed successfully, you will receive your card and bank account details via post.

Digital banks


Alternatively, you can also open your bank account with these digital/online banks:

Opening a digital bank account is very simple and straightforward. You can simply sign up with a by downloading the bank’s app onto your smartphone. To create a digital Dutch bank account, you will need to provide personal details such as your full name, date of birth, rental address and an email address. Once you have confirmed your identity and deposited funds into your account, your bank account is created and you are ready to go!