ACCESS NL > Relocating to the Netherlands > First three months > Banking > What are the accounts and services offered by banks?


What is the currency in the Netherlands?

Can you explain the numbering conventions used in the Netherlands?

How can I open a bank account?

What are the requirements to open up a bank account?

What are the accounts and services offered by banks?

The types of accounts offered are:

  • Betaalrekening (current account)
  • Spaarrekening (savings account)
  • Vreemde valuta rekening (foreign currency account)

Other services that banks may offer include:

  • debit (PIN) and credit cards
  • internet banking (internetbankieren), also on your phone
  • investments (beleggingen)
  • private banking (requirements can differ per bank)
  • insurance (verzekering)
  • loans (leningen)
  • mortgages (hypotheken)
  • fixed-term deposits (spaardeposito’s)
  • life insurance (levensverzekering)

How does a current account operate?

How do I use my PIN card?

What if I want to use my PIN card abroad?

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

What is IBAN?

What is PSD2?

How to exchange foreign money in the Netherlands?

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

How can I access my bank details using mobile devices?

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

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

What is an acceptgiro?

What is iDeal?

Can I directly invest money in the stock exchange?

What types of loans are available?

What is a contactless payment?

Are contactless payments secure?

Are credit cards issued by banks to all customers?

Can I open a bank account without having a Burgerservice nummer (BSN)?

How can I avoid scams?