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Banking in the Netherlands

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How can I open a bank account?

What are the requirements to open up a bank account?

Banks are always reviewing their requirements for opening an account. Therefore, you are advised to check with the local branch of your chosen bank for their specific requirements. See below the usual requirements:

  • proof of identity (passport or identity card)
  • official proof of address, such as a tenancy agreement
  • your burgerservicenummer – BSN (citizen service number). With ABN AMRO Bank it is also possible to open the account at the International Clients Desk before the BSN has been issued
  • for-non EU residents you will need to show your residence permit or registration with the Foreign Police service (vreemdelingenpolitie)
  • proof of your income, unless you are only opening a spaarrekening (savings account). Your contract of employment or three consecutive pay slips will be accepted by most banks as proof

A valid phone number (preferably a Dutch number) for communication purposes if you are staying for more than four months. As a new client, the bank may wish to check your credit history. Hence, the bank may instigate a credit check and register you with the Bureau Krediet Registratie – BKR (Central Credit Registration Agency).

What are the accounts and services offered by banks?

How does a current account operate?

How do I use my bank PIN card?

What if I want to use my PIN card abroad?

What if I have lost my bank card or had it stolen?

What is a contactless payment?

Are contactless payments secure?

Are credit cards given by banks to all customers?

How easy is it to pay using my credit card in the Netherlands?

What is internetbankieren (internet banking) and how to use it?

How can I access my bank details using mobile devices?

What is the currency in the Netherlands?

Can you explain the numbering conventions used in the Netherlands?

How to exchange foreign money in the Netherlands?

What is an acceptgiro?

Can I directly invest money in the stock exchange?

What types of loans (leningen) are available?