ACCESS NL > Relocating to the Netherlands > First three months > Banking > How can I open a bank account?


What is the currency in the Netherlands?

Can you explain the numbering conventions used in the Netherlands?

How can I open a bank account?

To manage your day-to-day finances, you will need a current or payment account called a betaalrekening in Dutch. Before opening a bank account, you need to be a legal resident of the Netherlands. You should register yourself with the municipality where you reside to make your stay legal (please have a look at our ‘First three months in the Netherlands‘ for more information). As soon as you have completed your registration and have been given your burgerservicenummer – BSN (citizen service number), you can go to any bank of your choice to open a bank account.

In case of a delay in the registration process, ABN AMRO and Bunq offer the possibility to open an account without a BSN and provide it within 90 days. You can find more information about the procedure for Bunq on (note: a taxpayer identification number is in the Netherlands your BSN) and for ABN AMRO 

The major retail banks in the Netherlands having their websites in English are ABN AMRO and ING Bank (limited information in English).

What are the requirements to open up a bank account?

What are the accounts and services offered by banks?

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?