Opening a Dutch bank account

As an expat in the Netherlands, opening a Dutch bank account is one of the first important steps you need to take. Whether you're here for work, study or an extended stay, a local bank account makes daily life a lot easier.

Why a Dutch bank account?

Having a Dutch bank account is essential for several everyday things. Your employer can deposit your salary directly, you can easily make online payments with iDEAL, and many Dutch services require a local bank account for direct debits. Think about your rent contract, energy bill, phone subscription and insurance.

What documents do you need?

Most Dutch banks ask for a standard set of documents. First of all, you need a valid passport or identity card from an EU country. In addition, a BSN (Citizen Service Number) is required - you get this when you register with the municipality. You also need proof of address, such as a rental contract or an extract from the Basic Registration of Persons (BRP).

The application process

The process varies by bank, but usually you can begin your application online. Many banks offer special expat services with English-speaking support. After your online application, you often have to visit a branch for identification. Some banks also offer video identification, which speeds up the process.

Costs and considerations

Dutch bank accounts usually cost between €2 and €8 per month, depending on the package you choose. Pay attention to the terms for international transfers if you regularly send money abroad. Many banks also offer mobile banking apps, which makes managing your finances on the go easy.

With a Dutch bank account, you are well prepared for your new life in the Netherlands. It literally and figuratively opens doors to smoother integration into Dutch society.