Opening a Dutch bank account requires a handful of key documents, and knowing exactly which ones before booking an appointment or opening your new banking app will save you a lot of hassle.
Getting a Dutch bank account is one of the first things you’ll want to tick off when settling in the Netherlands.
The process is quite straightforward once you’ve got your paperwork sorted, but showing up without the right documents would be a waste of time.
Who can open a Dutch bank account?
Most people legally residing in the Netherlands can open a Dutch bank account.
However, before you walk away with a shiny new Dutch IBAN (bank account number), you’ll need to prove a couple of things: who you are, where you live, and proof of your legal status.
While the exact documents will depend on where you’re from, the basics are fairly universal.
Beyond that, eligibility largely comes down to which bank you choose and where you’re from. EU/EEA nationals generally have the smoothest ride, while Non-EU/EEA residents may need to bring a bit more paperwork to the table.
As an international-friendly bank, ING’s sign-up process is refreshingly straightforward. You can apply online or via their mobile app, upload your documents digitally, and get set up without even setting foot in a bank office.
Essential documents you’ll need to open a Dutch bank account
Regardless of your nationality, Dutch banks will require the following before you can open an account:
- A valid passport or ID card to verify your identity.
- Valid proof of address, such as utility bills, a rental agreement, or an extract from your municipality’s BRP (Personal Records Database).
- Your BSN (Burger Service Nummer), also known as your citizen service number. Every legal resident of the Netherlands receives a BSN after registering at their municipality (gemeente).
TIP: If you’ve just landed in the Netherlands, it may take days or weeks to receive your BSN. Due to this, many expat-friendly banks may offer you a grace period to submit your BSN — typically around 90 days.
Additional requirements for non-EU/EEA residents
If you’re not an EU or EEA resident, you can expect a few extra steps.
Most Dutch banks will require a valid Dutch residence permit (verblijfsvergunning), as this will indicate that you have the legal right to live in the Netherlands.
Are you opening a business bank account? You may be asked to provide financial ties to the Netherlands, usually via an employment contract, employer letter, or recent payslips.
READ MORE | Do I need a Dutch IBAN to get paid in the Netherlands?
If you’re self-employed, you should expect to be asked for your registration number at the Dutch Chamber of Commerce (KvK).
Americans may face additional complications due to FATCA (the Foreign Account Tax Compliance Act), which requires Dutch banks to report the accounts of US citizens to the IRS. If you’re American, you may have to complete a W-9 form confirming your US tax status.
International students, meanwhile, will need to confirm their student status. This can be done by selecting that you are a student during the application process or by uploading proof of enrolment from your university or school.
Opening a Dutch bank account for the first time? We’d love to hear how it went, so drop your experience in the comments.
Disclaimer: Document requirements and eligibility criteria may change and can differ per bank, product, and individual situation. Banks are required by law to perform customer due diligence and may request additional information.
This article was sponsored by ING and written by DutchReview.