How to Open a Bank Account

If you decide to stay in the Netherlands for a longer period of time, opening up a Dutch bank account can make many areas of your daily life run far more smoothly. Although most ATMs will accept withdrawals from international bank cards, and many shops, supermarkets, and restaurants will also accept payment from international cards, it is important to note that not all places will. Cards that may not be accepted include Visa, American Express, and Mastercard.

Although each bank may differ slightly in the specifics when it comes to setting up an account with them, on this page you can find a general overview of reasons to set up a Dutch bank account, what to take into consideration when looking for a Dutch bank, and how to open the account itself. 

Now that you've decided on opening an account, and which bank to open it at, it's important to take into consideration what your next steps should be to set up your Dutch account. 

Some banks will offer you the option to set up an account with them online, although making an in-person appointment will allow you to ask any questions that you may have about bank services and other necessary details. To make an account, most banks will require you to bring the following to your appointment:

• Valid identification (such as a passport or European ID card). You may need to bring your residence permit if you are a non-EU national. 
• Your BSN (citizen service number). In order to have a BSN you will need to have registered at your local municipality. You can learn more about this on our BSN registration page.
• Proof of address (this could be your rental contract). 

Depending upon the kind of account you wish to open, you may also be required to provide other documentation. For students opening a student account, this could include a proof of enrolment in an educational institution. Other accounts may require proof of employment, payslips, or other income evidence. 

Business Bank Accounts

If you plan on registering a business in the Netherlands then it is a legal requirement for you to open a Dutch business bank account. In the Netherlands, all businesses should be registered with the Netherlands Chamber of Commerce (KVK). There may be different rules regarding occupations such as entrepeneurs or freelancers, but it is important for you to check which category your business will fall under. Many Dutch banks will provide numerous account options depending upon your situation, and, if you are in doubt about which is applicable to you, you can always make an appointment with your chosen bank to discuss your options.