ACCESS NL > Relocating to the Netherlands > First three months > Banking > What are the requirements to open up 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?

What are the requirements to open up a bank account?

You are advised to check with the local branch of your chosen bank for their specific requirements. The usual requirements are:

  • proof of identity (passport or identity card)
  • official proof of address, such as a tenancy agreement
  • your burgerservicenummer – BSN (citizen service number) 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
  • 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 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?