Quick answer
For everyday Dutch payments: choose an account that supports the payment methods and direct debits you actually need.
No BSN yet? some providers let eligible newcomers open an account first and provide their BSN later. Requirements differ by bank.
Compare more than the monthly fee: check the IBAN, iDEAL/Wero access, English onboarding, address requirements and how quickly the account becomes usable.
Need an account before municipal registration? use our separate banking-without-a-BSN guide before choosing a provider.
Who is this guide for?
- You recently arrived in the Netherlands.
- You need an account to receive your salary or pay rent.
- You want to use iDEAL / Wero for online payments.
Why does this matter?
While your foreign credit card might work in tourist areas, the Dutch economy runs on a system called iDEAL / Wero. This is used for everything from paying your energy bill to ordering groceries online. You can only use iDEAL / Wero if you have a bank account at a participating bank.
The BSN \"Catch-22\"
Banks must perform identity and tax-residency checks, but there is no single rule that every Dutch bank must receive your BSN before opening an account. Some providers let eligible newcomers start first and submit the BSN later. For example, ABN AMRO currently allows this if its other account-opening requirements are met. Check the current rule for the bank you are considering while you arrange your municipal registration and BSN.
- Traditional BanksRequirements differ. Some established Dutch banks may let eligible customers open an account before supplying a BSN, while still requiring identity checks and proof of residence.
- Online / Neo-banksSome app-based banks let eligible customers start without a BSN, but residence, identity and tax-number requirements still apply. The deadline for adding a BSN/TIN is provider-specific.
How to open an account
- Check the BSN route: If you do not have a BSN yet, confirm whether that specific bank lets you add it later and what deadline applies.
- Gather documents: Passport, employment contract (sometimes required), and proof of address.
- Apply: Many banks offer app-based onboarding, while others may require a different verification or appointment route.
- Identity Verification: You will usually have to take a photo of your ID and record a short video of your face.