Compare Dutch Bank Accounts
You need a local bank account with iDEAL support to pay rent, utilities, and buy groceries. Choose a provider that fits your needs.
The BSN Catch-22: Most traditional banks require a BSN to open an account, but you can't get a BSN until you have an address. Some neo-banks allow you to open an account before you have your BSN. Read the full guide.
Clicking a provider will take you securely to their official website to open your account.
Bunq
From € 2.99 /mo
The most popular neo-bank in the Netherlands. You can open an account in 5 minutes with just your passport, even if you don't have a BSN yet.
- Open without a BSN (90 days to provide it)
- Full English app & support
- Apple Pay & Google Pay
- Built-in iDEAL support
Revolut
Free tier available
A globally recognized financial app that offers a free European IBAN. Great for traveling and exchanging currencies without high fees.
- No monthly fees on Standard
- Excellent exchange rates
- Virtual disposable cards
- iDEAL supported
ABN AMRO
From € 2.95 /mo
A traditional, major Dutch bank with a long history. They offer a specific expat service desk and full English documentation.
- Dedicated expat service desk
- Physical branches available
- Good for getting a mortgage later
- English internet banking
Frequently Asked Questions
Can I just use my foreign bank account?
Technically yes, if it's a SEPA account. However, the Netherlands runs almost entirely on a local payment system called iDEAL. Visa and Mastercard credit cards are not universally accepted in supermarkets like Albert Heijn. You absolutely need a bank that supports iDEAL.
What is iDEAL?
iDEAL is the Dutch national payment system. It connects directly to your banking app. Whether you are paying rent, buying train tickets online, or paying your health insurance, iDEAL is the standard. All banks listed above support iDEAL.
Are neo-banks safe?
Yes. Banks like Bunq hold an official European banking license. This means your money is protected up to €100,000 by the Deposit Guarantee Scheme (DGS), exactly the same as traditional banks like ABN AMRO or ING.