Living in The Netherlands: setting up a bank account

On December 14, 2015 by Dutch Umbrella Company

For those moving to The Netherlands for the first time, an important point to consider are the legally required documents needed to open a Dutch bank account. These are:

A personal Citizen Service Number (Burgerservicenummer, BSN): This is a social-fiscal number issued to all Dutch tax residents and is usually arranged at your local municipal building;

Proof of address: A utility bill, rental contract or extract from the personal records database (Basisregistratie personen, BPR)

Proof of income: Needed when opening accounts with a credit facility, for example an employment contract.

In addition to the above, you will also need:

  • Passport or other internationally recognised identification document
  • Residence permit if applicable

Appointments for opening a bank account can be made in advance, and major bank branches in the cities or located in a business district often have a dedicated English speaking contact person.

The most well-known Dutch banks are:

It is possible to use non-Dutch bank cards in The Netherlands and most ATM’s will allow you to select a language. Credit cards however are not widely used in The Netherlands and cash or debit cards are the most widely used and accepted forms of payment.


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