ACCESS NL > Relocating to the Netherlands > Banking in the Netherlands > What happens with my money if my bank goes bankrupt?

Banking in the Netherlands

Are credit cards issued by banks to all customers?

Are contactless payments secure?

What is a contactless payment?

What types of loans are available?

Can I directly invest money in the stock exchange?

What happens with my money if my bank goes bankrupt?

If your bank goes bankrupt or runs into trouble, you will not lose all your money. This is because there is a guarantee system in place to help account holders: the Deposit Guarantee Scheme .

All banks holding a banking authorisation granted by De Nederlandsche Bank (DNB) are covered by the Deposit Guarantee Scheme.  Your money is safe with a maximum of €100,000.  In general this only applies to your current account and your savings account. Investments are usually not covered. Please contact your bank for more information which accounts are covered.

If your bank has its main office in another country, the rules of that country apply when it comes to a Deposit Guarantee Scheme.  It is important to check if your bank has a Dutch licence or a licence from another country.  You can find an overview of all banks covered by the Dutch Deposit Guarantee Scheme on

What is iDeal?

What is an acceptgiro?

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

How can I access my bank details using mobile devices?

Can I pay in a shop by using my mobile phone?

How to exchange foreign money in the Netherlands?

What is PSD2?

What is IBAN?

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

What if I want to use my PIN card abroad?

How do I use my bank PIN card?

How does a current account operate?

What are the accounts and services offered by banks?

What are the requirements to open up a bank account?

How can I open a bank account?

Can you explain the numbering conventions used in the Netherlands?

What is the currency in the Netherlands?