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These are the best digital banks in the Netherlands in 2026

If you’re looking to up your financial game, there are plenty of digital banks in the Netherlands ripe for the picking. 

Digital banking has changed the financial landscape, offering all kinds of convenient and innovative features — but choosing the best bank for you can be difficult. 

READ MORE | Banking in the Netherlands: the complete guide

We’ve tried and tested plenty of these banks, considering features such as global accessibility, money transfers, investment options, and savings accounts. 

Here are the top digital banks in the Netherlands. 👇

This post might have affiliate links that help us write the articles you love, at no extra cost to you. Read our statement.

bunq: Our top choice

bunq-logo-with-rainbow-stripes-best-dutch-digital-banks

With services in English, an easy sign-up process, and sustainable banking options, bunq is arguably one of the most popular digital banks in the Netherlands.

We particularly liked having up to 25 accounts with separate Dutch IBANs, scheduling direct debits, and the Autosave feature, which rounds up payments into savings.


Trade Republic: Best for investing

trade-republic-logo-best-dutch-digital-banks

With a generous 3% interest rate and a range of powerful investment features, Trade Republic is also a stellar option for internationals who want to dip a toe in the world of stocks, ETFs, and crypto.

However, let op: Trade Republic doesn’t offer traditional banking services like making card payments or providing loans.


Revolut: Best for international banking

revolut-square-logo-best-dutch-digital-banks

Revolut is another digital bank in the Netherlands that offers easy international transactions, free ATM withdrawals, and the best investment opportunities of any digital bank in the country. 

Whilst the bank has a slightly higher monthly fee than its competitors, its multi-currency accounts and overall flexibility made up for it. 


Raisin: Best for sky-high interest rates

raisin-logo-bank-best-dutch-digital-banks

In addition to giving you access to soaring interest rates at banks across Europe, Raisin also offers you the freedom to shop around for banks that best suit your needs — with no registration required.

The only downside? Raisin only focuses on savings, so you won’t find any traditional banking services or investing opportunities here.


N26: Best for sheer simplicity

teal-coloured-n26-bank-logo-best-dutch-digital-banks

N26 is jam-packed with convenient features, like an intuitive mobile app for on-the-go banking, affordable monthly fees, and access to all these features from across the globe. 

Making an international money transfer is a breeze without hidden costs or extra fees — handy if you have family or businesses abroad. 


Key factors in choosing the best digital bank in the Netherlands

🔐 Security

Security should be a top priority for any digital bank in the Netherlands. 

READ MORE | Best banking apps for internationals in the Netherlands

Consider digital banks with a strong track record of protecting customer data, using advanced security measures, and monitoring fraud to ensure your money and personal information are protected from any threats. 

💸 Transaction fees

Transaction fees can significantly change your overall banking cost.

international-in-the-netherlands-using-their-digital-bank-tap-to-pay-feature-on-their-mobile-phone
You’ll need to assess what transaction fees your digital bank charges and see whether important features like tap-to-pay are available. Image: Freepik

If you’re concerned about hidden costs and fees, consider digital banks in the Netherlands, which have transparent fee structures and low to no fees for common transactions like ATM withdrawals and bank transfers. 

🌍 Global accessibility

Global accessibility is another important factor when choosing a digital bank in the Netherlands, especially if you travel frequently.

READ MORE | How inclusive and accessible are Dutch banks? The ultimate guide

If you want to bank worldwide, choose a digital bank that allows you to access your accounts from anywhere and partners with international ATMs for each cash withdrawal. 

🗺️ International money transfer availability

If you need to send or receive money internationally, consider a digital bank that supports international transfers with low fees and competitive exchange rates.

READ MORE | Money transfers in the Netherlands: the easy (and cheap!) guide

Some digital banks in the Netherlands specialise in international transfers and offer faster, more affordable transfer options than traditional banks. 

💲 Access to multiple currencies

Similar to global accessibility and international money transfers, you may want a bank that offers access to multiple currencies.

international-in-the-netherlands-scrolling-on-their-digital-bank-app-on-their-mobile-phone-to-access-multiple-currencies
In addition to determining how globally accessible your digital bank is, it’s important to find out if you’ll be able to open multi-currency accounts. Image: Freepik

A digital bank in the Netherlands that allows you to hold multiple currencies can help you avoid costly transfer and withdrawal fees, especially if you travel often. 

☎️ 24-hour customer support

Having access to all-day customer support is a plus, whether it’s a problem with transactions, security, or withdrawals. 

To reach customer support easily, look for a bank that provides round-the-clock support through different channels.  

🏦 High interest on savings accounts

If you’re looking to save money for emergencies, retirement, or a rainy Dutch day, consider a digital bank with high interest rates on savings accounts.

Digital banks in the Netherlands offer different rates for fixed-rate and flexible savings accounts depending on your needs. 

Ultimately, picking a digital bank in the Netherlands isn’t difficult if you know your needs and priorities. Now, get ready to open a bank account and make sure your finances are healthier than ever!

Do you have any tips for digital banking in the Netherlands? Tell us in the comments below!


Best digital banks in the Netherlands: frequently asked questions

What is the best digital bank in the Netherlands?

Do I need a BSN to open an account at a digital bank in the Netherlands?

Which digital bank in the Netherlands has the best interest rate on savings accounts?

Can I bank in English in the Netherlands?

Investing vs saving in the Netherlands: What’s the right choice in 2026?

So you’ve built up some capital, and now you’re asking yourself the big question: should I save or invest my money in the Netherlands?

It’s a common crossroads, with interest rates jumping around, inflation pushing your grocery bill higher, and Box 3 continuing to confuse both internationals and lifelong Dutchies.

The good news? You don’t need a finance degree to figure out what to do. Your choice depends on a few simple things: how long you plan to keep the money untouched, how comfortable you are with risk, and how long you think you’ll stay in the Netherlands.

Let’s walk through it.

This post might have affiliate links that help us write the articles you love, at no extra cost to you. Read our statement.


Investing in the Netherlands

We all know how saving works, so let’s start with the more intimidating (and exciting) option: investing your money.

In fact, data suggests that nearly every Dutch household saves, but investing is a different story. Just a quarter of households invest — and the top 10% now control over half the country’s wealth.

That gap says a lot.

How investing in the Netherlands works for residents and expats

Most internationals can invest in the Netherlands without any issue. You’ll find a few popular paths:

  • ETFs or Exchange-Traded Funds (groups of investments such as stocks, bonds, or commodities that trade on a stock exchange)
  • Index funds
  • Robo-investing
  • DIY stock investing

Many people start with ETFs because they’re simple and diversified. If the idea of choosing individual companies terrifies you (fair), ETFs remove the guesswork.

man-sitting-on-couch-investing-money-from-his-phone-in-the-netherlands
Studies show that young adults invest more than the older generation. Image: Depositphotos

Pros and cons of investing

Investing is a rollercoaster, where things are calm one month and dramatic the next. But over many years, markets trend upward, and that’s where the power lies.

✅ Pros:

  • Higher long-term growth
  • Helps protect your money from inflation
  • Compound interest allows your gains to grow further

❌ Cons:

  • Short-term losses are normal
  • Requires patience
  • Panic or emotional decisions can sabotage progress

Dutch investment taxation (Box 3)

Before you get too far into investing, it helps to understand how the Netherlands taxes your assets.

Investments fall under Box 3, which uses an assumed return rather than your actual gains. The system works with a few “fictional” return bands, and investments are assigned a higher assumed return than cash-like assets.

This means you may be placed in a higher band if you hold significant investments. That sounds harsh, but here’s the important bit: long-term investment growth often beats both inflation and the Box 3 assumptions, so many investors still come out ahead over time.


How safe are investments in the Netherlands?

Investing doesn’t come with the same guarantee that savings do, but it isn’t a free-for-all either.

Dutch brokers follow strict rules set by the AFM (Authority for the Financial Markets). Many platforms also keep client assets in separate legal entities, so even if a company disappears, your investments don’t vanish with it.

READ MORE | Best crypto exchanges in the Netherlands [2026 guide]

It’s not absolute safety, but it’s a well-controlled environment.

Let op, internationals: if you move countries, your broker may not let you keep your account. Several platforms require you to close your account the moment your tax residency changes, so it’s worth checking before you commit.


Best investment platforms in the Netherlands

Your investment platform matters more than you might expect. Fees vary, apps differ, and some brokers feel like a friendly guide while others feel like a hectic aircraft cockpit.

Trade Republic: simple app with fractional investing

trade-republic-logo-best-dutch-banking-apps

Trade Republic is one of the most user-friendly options out there. The app is clean, easy, and quick to get used to.

You can also buy fractional shares (meaning you don’t need €300 to buy a €300 stock), and the fees are minimal. It’s ideal for beginners who want a smooth, modern experience.


DEGIRO: low fees and a broad ETF selection

degiro-logo-best-dutch-banking-apps

DEGIRO is a favourite among internationals because it keeps costs affordable and offers access to a huge list of ETFs.

It’s perfect if you want to invest regularly without feeling like fees are eating half your returns. The interface is straightforward, though slightly more “finance-y” than other platforms.

 Disclaimer: Investing involves risk of loss.


Scalable Capital: automated plans and recurring investments

scalable-logo-best-dutch-banking-apps

Scalable Capital shines if you love automation. You can set up recurring monthly ETF investments, choose from flexible or “Prime” plans, and let the platform handle most of the work.

It’s especially good for people who want consistency but don’t want to manage every buy button themselves.


Trading 212: commission-free investing, with 3.5% interest on cash

square-trading-212-logo-investment-app-netherlands

Trading 212 lets you open a free, lifetime practice account loaded with virtual cash, so you can test the waters before investing a single, hard-earned euro.

Once you’re ready to dive in, you can buy fractional shares, set up automated “Pies” to split your money across investments in a diversified portfolio, and earn a whopping 3.5% interest on uninvested cash. It’s a solid pick if you’re a beginner who wants to learn the ropes.

Disclaimer: When investing, your capital is at risk. Spreads and, where applicable, FX fees and product-related costs apply.


These options are beginner-friendly, inexpensive, and reliable for building long-term portfolios.

Saving for retirement, instead? A popular Dutch option is Brand New Day, which allows you to invest monthly in pension funds and offers tax benefits if you meet the conditions.

READ MORE | You should be supplementing your Dutch pension: here’s why (and how to do it) 

It’s especially handy if your employer pension feels underwhelming and you want to build an extra layer yourself.

What to check before choosing an investment platform

A quick checklist:

  • Costs (fund fees + broker fees)
  • App experience (is it pleasant or painful?)
  • Customer support
  • Whether they allow foreign addresses
  • Safety structure
  • Extra features (automatic investing, fractional shares, Crypto, etc.)

However, your first platform doesn’t need to be your last, and it’s wise to review your setup once a year.


Saving money in the Netherlands

Now let’s look at the more predictable option.

Saving is extremely common here, with a whopping 95% of Dutch households opting to save, even if it’s just small amounts each month.

It fits the Dutch preference for stability and being prepared for whatever chaos life throws at you (a.k.a. stolen bicycles or appliances breaking at the worst time).

dutch-woman-buying-a-car-after-saving-money-in-the-netherlands
Nothing is quite as rewarding as saving up for that big purchase. Image: Depositphotos

How Dutch savings accounts work

Savings accounts with Dutch banks are simple and highly secure, and they work pretty much like elsewhere in the world:

  • You earn interest
  • You can access your money whenever you want
  • Deposits up to €100,000 per bank are protected by the EU’s Deposit Guarantee Scheme

That guarantee alone is enough to make many people stick with saving rather than investing.

Pros and cons of saving

Savings give you stability, but not much growth.

✅ Pros:

  • Safe and predictable
  • Perfect for emergencies
  • No market swings

❌ Cons:

  • Low long-term returns
  • Inflation slowly reduces the value
  • Not ideal for wealth-building

Dutch savings interest rates

Savings rates in the Netherlands vary, but generally, you can expect:

  • 1% to 1.7% at most major Dutch banks
  • Higher rates from online banks or platforms like Raisin

Inflation often exceeds these rates. Even as your account balance increases, the amount you can buy may decrease.

inflation-vs-dutch-savings-rates-graph
Image: DutchReview

Taxes on savings (Box 3)

Savings are also taxed under Box 3 using assumed returns. Smaller balances aren’t hit very hard. Larger balances may face higher deemed-return percentages. It’s worth understanding once you move from “starter savings” to larger amounts.


Best savings accounts in the Netherlands

Not all savings accounts are created equal. Some banks offer convenience. Others offer much better interest rates. Choosing the right one makes a real difference.

bunq: feature-rich, modern banking

bunq-logo-with-rounded-corners-dutch-bank

Dutch neobank bunq is popular among internationals because it’s fast, modern, and very user-friendly. You can open multiple “pots,” set up automated saving, and track spending with playful visuals. 

With a 3.01% interest rate, its savings rate is higher than that of traditional banks, and the app experience is one of the best in the Netherlands.


Trade Republic: best high-yield savings account

trade-republic-logo-best-dutch-banking-apps

At 3%, Trade Republic offers one of the highest flexible savings rates available in the Dutch market, especially compared to big traditional banks. 

Money is held in partner banks within the EU’s deposit guarantee system, and interest is paid monthly — a big plus if you like watching your balance tick upward.


Raisin marketplace: highest savings rates across Europe

raisin-logo-bank-savings-account-netherlands

Raisin isn’t a bank itself but a platform that gives you access to dozens of EU banks with far higher interest rates than Dutch banks typically offer. 

With rates up to 2.85%, you can always switch accounts when better rates appear, and everything stays under the €100,000 EU deposit guarantee per bank. It’s ideal if your priority is the best return rather than the prettiest app.


READ MORE | Best fixed-term deposit savings accounts in the Netherlands in October 2026

What to check before choosing a savings account

  • Interest rate
  • Withdrawal limits (if any)
  • App and website usability
  • Deposit guarantee eligibility
  • Transfer speed

The best savings account is the one you actually use consistently and review annually.


Saving vs investing in the Netherlands: which is better?

You guessed it, there’s no single, definitive answer, but here’s the general rule:

  • Saving protects your money.
  • Investing grows your money.

Both have their place, but they do different jobs.

Liquidity, risk, and returns

CategorySavingInvesting
LiquidityHighMedium
RiskLowMedium to high
Expected returnsLowHigher

Example: saving vs investing €100 per month

If you save €100 a month for 20 years at a 1% interest rate, you’ll end up with about €26,600.

If you invest €100 a month at a conservative average of 5% growth, you get around €41,000.

At 7% growth? Around €52,000.

graphic-displaying-chart-comparing-investing-vs-saving-100-euros-a-month
Image: DutchReview

Keep in mind that inflation may reduce the real value of savings, while investments generally outperform inflation over time.

When saving is the better choice

  • Short-term goals (holidays, emergency fund)
  • Expected big expenses in the next 2–3 years
  • Nervousness about risk

When investing is the better choice

  • Long-term goals
  • Retirement planning (Brand New Day is a common option for this)
  • Generating real growth
  • Beating inflation

For expats, long-term planning also depends on your future location, so think about how your pension and investments may be affected.


How to decide between saving and investing in the Netherlands

Choosing the “right” path depends on a few key factors.

  • Your time horizon: Short-term needs = saving, long-term goals = investing.
  • Your risk tolerance and financial stability: Are you okay with seeing your balance drop sometimes? If not, stick to saving. If you can ride out market bumps, investing works in your favour.
  • Your goals as an expat in the Netherlands: Will you stay here long-term? Do you plan to transfer money back home? Do you have multiple tax systems in your life?

If you plan to stay for years, investing becomes a practical tool. If your life is more temporary, saving may suit you better for now.


Saving is safe, while investing builds wealth. Most internationals benefit from doing a bit of both.

You can start by building a comfortable emergency fund. Once that’s sorted, investing becomes a practical way to grow your money over the long term.

Your situation will change as your life in the Netherlands evolves. Review your setup periodically, adjust as needed, and keep moving forward. 

Do you have any tips on saving and investing in the Netherlands? Leave them in the comments!

Saving vs investing in the Netherlands: Frequently asked questions

Is it better to save or invest in the Netherlands in 2026?

How much should I keep in savings?

Can internationals invest easily in the Netherlands?

Is now a good time to invest or save?

Do I pay different tax rates on savings and investments?

Can I invest for retirement as an expat?

What if I move countries later?

Best prepaid credit cards in the Netherlands for 2026

Prepaid credit cards in the Netherlands give you the benefits of a credit card, like shopping online and paying abroad, with zero risk of debt and no income requirements. 

Ready to make every cent count? We’ve found and ranked the best Dutch prepaid credit cards for personal and business use in terms of features, fees, and overall value.

READ NEXT | The best credit cards for expats in the Netherlands

TIP: In a hurry? These are our top picks for prepaid credit cards in the Netherlands. 👇

🎁 Best prepaid credit card for perks and features: Revolut Mastercard
🗺️ Best prepaid credit card for travelling: bunq Mastercard
👩🏻‍💻 Best prepaid credit card for freelancers: N26 Business Mastercard

This post might have affiliate links that help us write the articles you love, at no extra cost to you. Read our statement.


Best Dutch prepaid credit cards for personal use

When it comes to everyday banking, these are the most feature-rich and secure prepaid credit cards on the Dutch market. ✨

bunq Mastercard: Best for travelling

bunq-credit-mastercard

With ZeroFX enabled, the bunq Mastercard always offers you the best exchange rate while you’re abroad with no conversion fees. Even better? You can spend (and save!) in up to 20 currencies.

Although bunq’s paid tiers give you 1 to 3 physical cards, its basic plan offers you handy money-management features and a virtual Mastercard — completely free.


Revolut Mastercard: Best for extra perks

revolut-prepaid-credit-card-black

Thanks to features like cashback, airport lounge access, and easy breezy currency exchanges, the Revolut Mastercard is our top pick for a perk-filled prepaid credit card.

Whilst a paid banking plan offers the most features for your wallet, all free accounts come with a virtual card — giving you access to a wealth of Revolut’s financial tools at zero cost.


Trade Republic: Best for earning interest

trade-republic-mirror-card-banking-netherlands


Trade Republic’s
snazzy new prepaid banking card is the best way to earn money while you’re spending it, thanks to its handy Saveback feature, investment opportunities, and lack of monthly fees.

Even better, building your portfolio is as seamless as can be. By manually rounding up your card payments to the next euro, Trade Republic lets you invest the balance in a stock or ETF of your choice.


N26 Mastercard: Best for feature-rich banking

n26-mastercard-metal-prepaid-credit-card

The N26 Mastercard is tailor-made for internationals, with its speedy sign-up process, worldwide acceptance, and zero foreign transaction fees.

This Mastercard offers you full control over your banking experience, from changing your PIN, setting a spending limit or even locking your card.


Wise card: Best for international transfers

wise-prepaid-credit-card

Dubbed the “most international card on the planet”, the Wise card lets you pay and withdraw in over 40 currencies and 160 countries, with no hidden costs.

Although a physical card costs a one-off fee of €7, all virtual cards are free, and there are zero monthly account fees.


Best business prepaid credit cards in the Netherlands

For business banking, these credit cards offer a host of handy features, including spending insights, integrations with accounting software, and more! 🧑🏻‍💼

N26 Business Mastercard: Best for freelancers

n26-business-mastercard-prepaid-credit-card

Freelancers looking for an affordable bank card will love N26’s Business Mastercard, which offers in-depth spending insights, cashback rewards, and zero foreign transaction fees.

A paid N26 plan offers powerful benefits, from travel and baggage insurance to purchase protection and handy discounts on premium brands.


Revolut Business Mastercard: Best for international banking

revolut-square-logo-bank-netherlands

Offering easy-breezy banking across borders, the Revolut Business Mastercard lets you spend in 130+ currencies, manually set spend limits, and seamlessly sync with accounting software.

Working in a different timezone? This Mastercard also offers handy expense automation and in-depth financial overviews to ensure you don’t miss that important deal.


What’s the difference between a prepaid credit card and a regular credit card?

A prepaid credit card requires you to have adequate funds loaded onto it before making transactions, as it offers no overdraft facilities once you’ve exhausted your funds, similar to a debit card.

As the terms ‘prepaid credit card’ and ‘debit card’ are often used interchangeably, we’ve treated them as one entity in this article.

READ MORE | How to open a bank account in the Netherlands: the ultimate guide

On the other hand, a regular credit card operates on credit (hence the name).

You sign a contract with a card-issuing financial institution and agree on a monthly credit ceiling for your expenses, with the expectation that you’ll pay any debts back within a set period.

Have you used any of the cards on this list? Tell us what you thought of it in the comments below!


Prepaid credit cards in the Netherlands: Frequently asked questions

What is a prepaid credit card?

What are some disadvantages of prepaid credit cards?

How much does a prepaid credit card cost?

Do prepaid credit cards work in Europe?

What credit cards work in the Netherlands?

Why are credit cards not often accepted in the Netherlands?

Banking in the Netherlands: The complete guide

Are you moving to the Netherlands or thinking of opening a Dutch bank account, and not sure what to expect? Don’t stress, while banking in the Netherlands is certainly different, that doesn’t mean it’s difficult. 👍

Here, we’ll cover all you need to know about paying in the Netherlands, credit cards, transferring money, the best banks for expats, and more!

Whew, what a list! But we promise that by the end, you’ll be a Dutch bank account expert. 😉 Let’s get started.

This post might have affiliate links that help us write the articles you love, at no extra cost to you. Read our statement.

Why you need a debit card in the Netherlands (and how to get one)

The single most important thing you need to know about banking in the Netherlands is this: you need a debit card.

Not a Visa Debit, not a Debit Mastercard, and definitely not a credit card: it has to be just a debit card.

Cards used in the Netherlands are usually Maestro or VPay.

Let op! MasterCard, AMEX, and Diners Club cards are rarely accepted, no matter what your overseas bank tells you. Cash payments are also becoming increasingly rare in the Netherlands, so a handy debit card is the way to go for sure.

So what does this mean for you? Easy. To be able to pay in most Dutch shops, you’ll need to open a Dutch transaction account.

Your new shiny transaction account will come complete with a debit card that will be easily accepted across the Netherlands.

It will also make it 100 times easier to pay your bills, sign up for subscriptions, or do anything else banking-related — we promise.

How do you open a Dutch bank account? It’s surprisingly easy with our full guide below. 👇

READ MORE | How to open a Dutch bank account: ultimate guide

infographic-showing-the-accepted-dutch-bank-cards-most-accepted-maestro-vpay-for-banking-in-the-netherlands
Credit cards are often only accepted in tourist locations or some chain stores. Image: Samantha Dixon/DutchReview

How much does it cost to have a bank account in the Netherlands?

A Dutch bank account typically costs anywhere from €2 to €20 per month, depending on the bank and what kind of account you need. Some banks will even charge you quarterly.

READ MORE | These are the best banks for expats in the Netherlands

Credit cards can cost more; however, every bank charges completely different rates, so it’s worth shopping around and seeing which one is best suited to you.

It’s also worth noting the interest rate in case you can’t pay your credit card off in one go (we feel ya).

Note that some companies have very high interest rates. So shop around and be careful with that shiny credit card of yours.

Banks in the Netherlands

There are many banks here in the Netherlands, but here are our top choices for internationals. 👇

ING: Best for affordable, expat-friendly banking

ing-banking-square-logo-orange-lion

Another solid choice for a traditional banking experience, ING is one of the few Dutch banks that are fully accessible to internationals, with an English app and expat-friendly website.

Even better? With current accounts starting from just €4 per month, managing your finances is also super affordable.


bunq: Best neobank for online banking

bunq-logo-with-rounded-corners-dutch-bank

One of the best neobanks on the market, bunq lets you open a bank account in mere minutes — with BSN requirements waived for a generous 90 days.

Although bunq lacks physical branches, its user-friendly banking app makes managing your finances as seamless as can be.


Revolut: Best for international banking and money transfers

revolut-square-logo-bank-netherlands

With multi-currency accounts, competitive rates, and speedy transfers, Revolut is ideal for managing your money across borders.

You can even open a personal bank account for free, though paid plans offer greater perks like 20% off on all international transfers.


N26: Best bank that doesn’t require a BSN

teal-coloured-n26-bank-logo

Offering hassle-free online banking, N26 is an excellent option for bank account holders who want comprehensive spending insights, built-in investment features, and zero foreign transaction fees.

Though N26 only offers German IBANs, it does come with a major pro over other banks: you never need a BSN to open and use an account.


ABN AMRO: Our top pick for a traditional bank

abn-amro-dutch-bank-logo

Despite being a traditional Dutch bank, ABN AMRO offers a service tailored to internationals — complete with English-language support and a super-handy banking app.

And while plans start from €4.30 per month for a bank account and debit card, you have the freedom to choose add-ons (like a credit card!) to complement your package.


Looking for a different bank? We’ve got a comprehensive list of the other Dutch banks below. (You might also like to glance at our guide on the top banks for internationals in the Netherlands, too! 😉)

Banks for expats in the Netherlands

The question you really want to be answered is: which bank is best for expats?

Some Dutch banks, like ING, offer a lot of information in English, which is a massive bonus. There are also great online banks which are well-suited for expats, such as the popular Revolut, N26, and bunq.

When researching your bank, check whether they offer any information or apps in English.

If they don’t, and your Dutch isn’t up to scratch, you’re best sticking with an English-friendly one for now.

Getting a credit card in the Netherlands

You won’t see people carrying multiple credit cards around in the Netherlands like you would in some other countries.

The stereotype of the Dutch is that they are frugal and careful with their money.

READ MORE | The best credit cards for expats in the Netherlands

As a result, you’ll find that people aren’t lax when it comes to spending money that they don’t have.

This also makes it harder for you to obtain a credit card — they won’t just hand them out left, right, and centre.

Only if you prove that you are reliable with your money and earn enough will you be able to obtain a credit card.

Make sure you pay up at the end of the month; you don’t want all that interest piling up!

woman-pays-for-drink-and-snack-with-credit-card-to-do-banking-in-the-netherlands
Despite their many benefits, credit cards are not very popular in the Netherlands. Image: Depositphotos

Remember, even if you have a Dutch credit card, it still likely won’t be accepted in the majority of shops or even online stores (which often prefer iDEAL).

You will be able to use it for large purchases, online shopping from other countries, or the rare webshops where you can use a credit card.

Payment and money transfer systems in the Netherlands

Need to pay for something online? Or perhaps you owe a mate for that lunch that they paid for?

Here’s how you can get money from your account into other people’s — or vice versa.

iDEAL | Wero

iDEAL is a payment platform primarily used for online payments in the Netherlands.

You can use iDEAL to check out of a webshop in the same way you would normally use a credit card.

READ MORE | From iDEAL to Wero: what the new European payment system means for your Dutch business

The system uses your phone’s banking app to scan a QR code on the webpage and authorise the payment.

Then, the correct amount of money is automatically and instantly transferred to the webshop’s bank account — and your purchase is on its way!

Good to know: The Netherlands is in the process of switching from iDEAL to a new European payment system (Wero), with an expected completion date of late 2027.

Tikkie

Speaking of using your phone, you can also use the Tikkie app to request funds from your friends, pay your friends for requests they’ve made, or even pay for goods at small markets!

Be warned, though — you’ll need a Dutch phone number to use Tikkie.

Pssst! Need a Dutch phone number? Check out our top tips for mobile phone networks in the Netherlands!

Payment requests can be sent through WhatsApp contacts. At markets, you may also be able to scan a QR code instead.

Again, this system utilises iDEAL, but it is specifically developed to handle payments between friends (and in some cases, business owners).

READ MORE | Tikkie etiquette: the do’s and don’ts of asking for money in the Netherlands

So if you want your money back for that frikandelbroodje you bought for your friend last week, Tikkie is also a great option.

Don’t have Tikkie? Most Dutch banks will allow you to create a “payment request” from their apps too.

girl-using-Tikkie-on-phone-for-banking-in-the-netherlands
The Dutch looove Tikkie. Image: DutchReview/Canva

There’s also a joke that the system makes it easier for your Dutch friend to send you a payment request for that 50-cent can of cola that you owe them.

Trust me, it’s going to happen at least once when you arrive here.


Banking in the Netherlands doesn’t have to be confusing when you first arrive. Start researching, read our guides, and you’ll be well on your way to understanding the Dutch banking system.

Any other tips about banking in the Netherlands? Questions? Throw them in the comments below!

These places in the Netherlands will give you free stuff on your birthday

Is it your birthday? Gefeliciteerd! Birthdays are a big deal, and what better way to celebrate than with some free goodies? 🎉

The Netherlands has a variety of places that shower you with complimentary (or discounted) treats and experiences on your special day.

READ MORE | 9 Dutch birthday traditions that’ll confuse the heck out of internationals

So, whether you want a big birthday bash or a party for one, let slip that it’s your birthday to one of these establishments, and you’ll walk away with complimentary goodies (just make sure to bring your ID to prove it’s your big day!).

Doughnuts, coffee, clothes, pizza, and more

Ready to score some goodies? You have plenty of options. The only thing to note is that many places may require you to download their app on your phone. But hey, that’s a small price for a free gift, right?

READ MORE | 11 money-saving hacks for life in the Netherlands

Here’s a list of what you can get on your birthday, where you can get it, and how you should go about it.

Where?What?How?
HEMAFree birthday tompouceJoin their loyalty program.
StarbucksFree birthday treatSign up for their loyalty program.
La PlaceFree piece of pieSign up for La Place Extra’s.
Efteling Theme ParkAround €12 off per ticket (on 2 to 6 tickets)Subscribe to their newsletter.
Jumbo20% off fresh Jumbo cake, plus a separate free productShow your ID at the checkout.
New York PizzaFree birthday treatBecome a PizzaPunten member and add your date of birth.
LidlFree productSign up for Lidl’s loyalty program.
KruidvatFree product, which changes periodicallyAvailable for Kuidvat loyalty program members.
RitualsA small gift, but only with a purchaseJoin the Rituals program.
H&MBirthday discountsBe an H&M member.
McDonald’sFree hamburger, McFlurry, or nuggetsSign up on the McDonald’s app.
photo-of-woman-eating-doughnuts-birthday-freebies-in-the-netherlands
Doughnuts are great, but FREE doughnuts? Unbeatable. Image: Depositphotos

Tips for enjoying your birthday freebies in the Netherlands

Wanna make the most of your birthday freebies in the Netherlands? We’ve got some extra tips for you. 👇

  • Spread the love: If you’re celebrating with friends, many places allow you to share your birthday treats — just check first!
  • Sign up early: Many places require you to join their loyalty programs in advance, so don’t wait until the last minute!
  • Check for restrictions: Some offers might come with specific terms, like a minimum purchase, so read the fine print.

With so many options for free goodies, your birthday in the Netherlands can be both a joy and a budget-friendly affair.

So, gather your friends, indulge in some treats, and make the most of your special day. Here’s to another trip around the sun! 🎁

Are you going to capitalise on these birthday gifts when it’s your time to blow out the candles? Let us know in the comments!

Dutch DNA: are the Dutch actually Dutch?

If I say the word “Dutch”, you probably have a very clear image in your head of what a Dutch person should look like. Way too tall, mainly, as we short folk have never actually seen the faces of these giants up close.

But on a genetic level, are the Dutch actually Dutch?

Does Dutch DNA show if they are actually Dutch?

So, what started off this whole Dutch DNA discussion?

I visited the Netherlands a few summers ago. We stayed with my half-Dutch wife’s relatives, and we were able to stay in and visit many cities.

I looked up Dutch traits and the Netherlands’ distinctions before the trip because I wanted to know how to act properly without playing the fool, know what I would be up against, and behave correctly.

I researched all the traits the Dutch are well known for, but what really interested me was the distinct look of the Dutch. I can pick a Dutchie out of a crowd easily.

group-of-people-talking-with-stereotypical-dutch-man-in-the-centre
The Dutch are pretty easy to spot in a crowd! Image: Freepik

Yes, in every country or area, people have specific physical traits, but Dutch DNA is complicated and intertwined. It is also not as though all Dutch people look like twins. Historically, Nederlanders were often intermixed with many ethnic groups.

According to DNA testing companies, Dutch DNA is considered mainly Germanic and French, which seems a broader stroke of DNA than some common and visible Dutch characteristics that I see.

But that Germanic-and-French label says more about how testing companies sort their data than about the actual science. Population geneticists tend to frame all Europeans (the Dutch very much included) as a blend of three ancient ancestral groups: Western hunter-gatherers, Anatolian farmers who brought agriculture, and Pontic steppe herders who arrived later.

According to EurekAlert, these three components turn up, in varying doses, across the continent. So “Germanic” isn’t so much a raw ingredient as it is a modern label slapped onto a much older, messier mix.

My wife recently had her DNA analysed… and surprise! Besides being a little Neanderthal (maybe she slobbered a little in the test tube), her DNA is less than 25% Germanic French.

My wife was adamant about being “200%” Dutch. How so? “My mother was 100% Dutch, and so was my father, so I am 200% Dutch”. Clearly not a maths major, but a passionate Dutchie.

So here is my opinionated research on where the Dutch DNA originated from:

Early days

Before 5000 BC, the ice age was ending (apparently due to global warming from the tribes burning too much peat). A few Neanderthals were left running around updating their resumes.

The hunter-gatherers had started growing food, and Neanderthals died off from having to eat salad from a pottery dish. Maglemosian culture was widespread throughout Northern Europe, and the glaciers hadn’t melted off.

As a result, the British Isles, Netherlands and Scandinavia were all one landmass.

Seas eventually rose, and with water separation, the British Isles exited North Europe (BREXIT wasn’t the first time this happened) and Scandinavia receded into the North Sea glacial melt.

Life spans were short, and generations moved quickly. (Hey, getting stepped on by Mastodons is a quick DNA eliminator. 🤷🏻‍♂️)

Netherlands speeding toward the year zero

Funnel Beaker Culture and other small farming cultures extended from Denmark into Germany and the Northern Netherlands.

Following behind them with their fancy Indo-European language spreading throughout most of North and Central Europe, was the touwbekercultuur, or “Corded Ware Culture” (makers of corded pottery), lasting into the Bronze Age.

Corded Ware Pottery. Image: Einsamer Schütze/Wikimedia Commons/CC3.0

If you wish to go in-depth on their DNA, for aspiring DNA PhD types, go here.

Crossover with the Beaker Culture from Western Europe may have wandered into the Southern Netherlands looking for sunshine. The Beakers were traders, and probably the first door-to-door salespersons. Plus, they kept alcohol in their beakers, so there was that.

Although archaeologists argue over where the Corded Ware Culture sprang from — the Black Sea or elsewhere in Europe (arguing over people dead thousands of years is their passion) — what we do know is that DNA from graves shows they were widespread in North-Central Europe. 

They used wagons and wheels, so naturally, I’m guessing they’re Dutch ancestors who went on to invent the bicycle, peddling across Europe (some things never change).

Pre-Roman Iron Age migration

Germanic-speaking groups are thought to have been present in the area in the centuries leading up to Roman contact, settling in coastal floodplains “where no man had settled before” and probably invented boots and snorkels.

This uniform DNA grouping extended into Poland and migrated from Southern Scandinavia due to the deteriorating climate. Apparently, they brought it with them.

ancient germanic group migration
Early Germanic Culture group migration.  Image: Berig/Wikimedia Commons/CC3.0

Several groupings and languages evolved:

  • North Sea Germanics (Ingvaeones), in Northern Netherlands, south to the great rivers into Jutland. This would be early Frisians and Saxons.
  • Weser-Rhine Germanics (Istvaeones) inhabited the Netherlands south of the great rivers from which the Salian Franks would spring.

Even though this happened a couple of thousand years ago, it seems logical it was the beginning of the Dutch people.

The ever-spreading Celts and Dutch DNA

Celtic (Gaul) culture about this time was in a triathlon across central Europe, spreading their DNA everywhere.

They were more tribal than most cultures and had Chiefs and classes of people within the tribes (perhaps political conservatives’ ancestors).

They spread from the Eastern European area to Britain and Iberia. Generally staying south of the Netherlands, Celts drifted as far north as Maastricht early on.

Apparently, they were busy irritating Romans and causing wars, and had no desire to be chased by a giant walrus in the lowlands’ mud.

The Celts integrated with Germanic tribes South of the Rhine eventually. Caesar defeated them, took their gold and assimilated them into Roman culture, where they probably invented fashion and anger management from their descriptions by Romans.

As described by the fourth-century Roman historian Ammianus Marcellinus, the Gauls were “tall… light-skinned, reddish… haired… quick to quarrel and fight.”

There is not an excessive number of redheads in the Netherlands, though Limburg has one of the highest percentages.

Many Dutchies do fit other physical Gaul characteristics. A recent study in the UK states that the Celts are not a unique genetic group. It also showed that populations next to each other can have different ancestry.

The Romans are coming

In the 50s BC, during Caesar’s Gallic Wars (58–50 BC), the Romans came to town in fashionable tunics. After years of battles with Germanic tribes south of the Oude Rijn, the river became the north boundary of the Roman Empire. Roman control existed farther north too.

For four centuries the Romans ruled, integrating towns and building forts, exerting genetic intermingling in the Netherlands.

Roman Empire in Europe. Image: Andrei nacu/Wikimedia Commons/CC3.0

With the Celtic, Germanic and Roman cultures intermingling, even Augustus Las Vegas wouldn’t lay odds on DNA results.

Romans used both Celtic and Germanic tribes as soldiers and ruled settlements where these “barbarians” would be raised for Roman armies.

Two Centuries later, the early Germanic Frisii living on the North Sea coast and occupying most areas north of the Oude Rijn were coerced by the Romans and rising seas to relocate to Roman territory and were assimilated into that society.

So much for early Frisii DNA being dominant in the future!

Salian Franks

Around 200 AD, proclaiming their own DNA, some small Germanic groups inhabiting the Netherlands emerged as the Salian Franks, many of whom settled in the south of the Netherlands.

Concentrated in the North Sea lowlands, the early Frisians, Chauci, Saxons, and Angles were closely related Germanic groups. As with many close families, however, the Chauci later joined with and became Saxons.

These groups expanded after the Romans fell. Some remained in the now Southern Netherlands.

Migration in the early Middle Ages

As the seas receded (400 AD to 1000 AD), Germanic groups such as Jutes, Angles and mainly Saxons waded into the Northern Netherlands (and eventually to the British Isles).

The ones who stayed in the North Netherlands became ancestors of modern Frisians.

Generally, Frisians and Saxons settled in the future Northern Netherlands, and Salian Franks in the Southern Netherlands.

Viking blood

In the ninth century, Danish Vikings wreaked havoc in the Netherlands with raids and attacks. Although they maintained a presence and ruled over parts, there were few permanent settlements.

Photo-of-viking-settlement
A reconstruction of a viking settlement. Image: DepositPhotos.com

The DNA that was brought in for this short time seems to have less influence.

During the Iron Age migration, Germanic hunter-gatherer tribes of the same or similar descent fled the climate and populated the Netherlands. The Viking DNA was probably related (but with a nasty, mutated mean gene).

1000 AD to 1600 AD

The next seven centuries were a culture slug-fest, with the Netherlands often occupied or at war.

Areas now Germany, Spain, the British Isles, Italy, the Holy Roman Church, and pretty much anyone with a stick, rock, or religious robe battled. Surprisingly, some lucky males survived to spread a “Y” chromosome.

There weren’t mass migrations, but significant intermingling. I imagine with all the battles going on, the general population was able to continue their own DNA propagation within their groups and settlements.

Modern centuries

From the 17th century forward, the Dutch were traders and colonised around the world. Amsterdam was a top world trade city and people came to stay. In 1650, according to Cairn.info, 8% of the Netherlands was foreign-born.

In the early 1800s, 85% of immigrants were from Germany, Belgium or France, all with similar ancient roots. Currently, 16.8% of the Netherlands’ population is foreign-born (as of 1 January 2025).

Transportation improves. Immigration and cultural crossover grow. These blending trends will eventually change the Dutch DNA and that of every culture.

Having trouble seeing how any genetic group could retain its characteristics over the centuries?

Is it just the luck of the DNA draw from parents, grandparents and great-grandparents (only one-eighth from the greats)? Maybe, but enter Epigenetics.

Is there another factor?

Epigenetics

Epigenetics studies a chemical reaction that influences who we are without altering DNA. This means that events that happened to our grandparents can be physically passed down.

Studies show events like the “Hunger Winter” in 1944-45, which caused severe malnutrition, may have had lasting effects on the health of their children and grandchildren.

Could Dutch physical characteristics be maintained by more than Dutch DNA? Does happiness, physical activity, social society or diet of cheese and herring unknowingly in part “will” them or any culture to retain the classic Dutch look through generations?

Science continues to chime in. I just hope you enjoy knowing a little more about where the Dutch DNA came from.

My own Dutch DNA conclusions

There’s actually some science backing up the idea that the Dutch are a bit of a genetic one-off. A 2026 study in Nature found that in the wetlands of what’s now the Netherlands and Belgium, hunter-gatherer ancestry hung around for roughly 3,000 years longer than it did elsewhere in Europe.

While farmers and, later, steppe herders were reshaping the gene pool across the continent, the marshy Low Countries stayed stubbornly their own thing for millennia. Very on-brand, if you ask me.

In summary, all of the above has led me to form my own conclusions on “Dutch DNA”:

  • Germanic cultures are ancestors to most of what is North, Central and Western Europe.
  • Isolated early groups kept cultural DNA purer, but still developed uniqueness.
  • Early European migratory cultures had closely related DNA.
  • Migrating cultures joined, creating larger, unique blended cultures.
  • Culture group wars and spreading populations slowly intermingled DNA for a time.
  • Ancient genetic cultures co-existed adjacent to each other with little intermingling.
  • Genetics is advancing rapidly and will have more answers.
  • DNA data cannot yet determine if the Dutch should have their own DNA classification. If you ask me, I think they might.

Finally, what’s up with Neanderthal bashing? They were around a million years before salads ran them off! Please, don’t forget to comment with your own conclusions!

Why neobank users in the Netherlands need a local bank as a main account or backup

Neobanks have made international banking faster and simpler, but in the Netherlands, relying on one as your sole account may cause a few financial hiccups.

If you moved to the Netherlands in the last few years, there’s a fair chance your banking setup involves a neobank.

While they’re great for low fees and easy transfers, the Dutch financial system has some quirks that make relying on one as your sole account a risky move.

What is a neobank (and why are many internationals using them)?

A neobank is a digital bank that operates entirely through mobile apps, with no physical branches.

Most neobanks tend to offer features that traditional banks have historically been slow to develop, such as multi-currency wallets, speedy international transfers, and more streamlined sign-up processes.

READ MORE | What documents do you need to open a Dutch bank account?

For internationals in the Netherlands, that last point is a major factor in their willingness to opt for neobanks. They’re also genuinely useful for anyone earning or holding funds in multiple currencies.

If you’re paid in euros, sending money back home in your local currency, or frequently travelling, a neobank’s exchange rates and transfer fees can save you a meaningful chunk of change over time.

Opening a traditional Dutch bank account typically requires a burgerservicenummer (BSN, also known as your citizen service number), a registered address, and proof of residency.

Meanwhile, neobanks tend to have lower barriers to entry, making them a practical option for people who’ve just arrived and haven’t yet had time to sort out their essentials.

Good to know: More and more Dutch banks now offer BSN-free banking, giving you a grace period of around 90 days to submit your BSN information. If you’re looking for a local account that can be opened shortly after arriving in the Netherlands, you can learn more about how to open a Dutch bank account with ING.

The risks of relying solely on a neobank in the Netherlands

Of course, having a neobank as your only financial lifeline in the Netherlands isn’t without its share of risk.

In particular:

Depending on the provider, customer support can be quite limited

As neobanks typically operate with lean support teams and no physical presence, when something goes wrong, you’re usually working through a chat interface.

While that’s fine and dandy for minor hiccups, complex problems like disputed transactions, urgent account queries, and anything that requires actual human judgment can be slow and frustrating.

Accounts may come under review at inconvenient times

Like all regulated financial institutions, neobanks are required to carry out compliance checks and anti-money-laundering (AML) reviews.

woman-staring-at-mobile-phone-upset-that-her-dutch-neobank-locked-her-account-without-warning
With neobanks, you don’t have access to brick-and-mortar bank offices to get help. Image: Magnific

Depending on the provider, some users have found their accounts temporarily restricted while these processes run. If that’s your only account, you may find yourself with limited access to your own funds until the review is complete. 

Technical issues could leave you with no backup

As we saw with the major Cloudflare outage of November 2025, server outages happen, apps go down, and maintenance windows occasionally land at inconvenient times.

If you rely on a single neobank for everything, even a brief technical disruption can block access to your money at the wrong moment.

Why ING works as your main bank (and reliable backup)

As one of the most widely used banks in the Netherlands, ING is a solid choice for internationals looking for a reliable local option.

The bank supports iDEAL, the widely used Dutch online payment method, and pan-European initiatives such as Wero are also being introduced.

Many Dutch webshops, government portals, and services use iDEAL | WERO as the default payment option, and while neobank support for it has improved, compatibility isn’t always guaranteed.

dutchman-using-european-payment-system-ideal-wero-to-make-business-transaction-in-the-netherlands
Unlike some neobanks, local Dutch banks are compatible with iDEAL | WERO. Image: Magnific

Depending on your neobank of choice, you may receive a foreign IBAN, which can cause friction with payment systems in the Netherlands.

In practice, some employers, pension funds, tax authorities, and landlords in the Netherlands may still be more familiar with Dutch IBANs, which can occasionally lead to friction when using foreign IBANs.

READ MORE | Do I need a Dutch IBAN to get paid in the Netherlands?

Finally, ING offers in-person customer support. If you need to visit a branch to resolve an issue, verify your identity, or talk through your options with someone face to face, that’s possible in a way it simply isn’t with digital-only providers.

Costs and practical considerations of using a Dutch backup bank

Of course, using two banks does come with trade-offs, and it’s worth being honest about them.

ING charges a monthly fee of €4 for a standard current account with its Go plan. While that cost isn’t substantial, it adds up over the year. If you’re already paying fees on a neobank, you’re now adding an extra monthly expense to your budget.

woman-looking-at-an-overview-of-her-monthly-budget-with-ing-go-plan-on-dutch-mobile-banking-app
ING’s costs and fees are quite straightforward, with information readily available on their website. Image: Magnific

While moving money between your neobank and your ING account is generally straightforward, depending on the amounts and frequency, there may be exchange-rate considerations involved. (Costs may arise if you transfer money in another currency, due to exchange rates or additional fees.)

It’s also worth noting that a backup account only works if you keep enough in it to actually function as a fallback. An ING account sitting at zero won’t help you much if your neobank is temporarily unavailable.

Is having ING as your backup bank actually worth it?

Needless to say, the usefulness of ING as your backup bank will depend solely on your personal financial circumstances.

If you’re paid in euros and you transact regularly with companies in the Netherlands, a Dutch bank account makes practical sense as either your primary account or a reliable backup. You can always opt for a neobank alongside it for travel and international transfers.

However, if your neobank covers everything you need, and you’ve never run into compatibility issues, adding a second account is an additional cost you may not need.

That said, payment compatibility, in-person support, and a functional fallback if your primary account becomes temporarily inaccessible are genuine advantages.

For many internationals in the Netherlands, these are worth a small monthly fee. To manage your day-to-day finances in the Netherlands, having a local account makes a big difference.

Do you have an existing Dutch bank account, or are you solely Team Neobank? Share your thoughts in the comments below.

This article was sponsored by ING and written by DutchReview.

Driving to Belgium? From next year, you may have to pay to use the roads

Find yourself driving down to Belgium from time to time for a weekend trip? Or nipping across the border to pick up that one drink you love? Well, from next year, it’s likely going to cost you.

From May 2027, Belgium wants to introduce a road vignette for everyone who uses its roads. This is essentially prepaid road tax.

However, it wouldn’t just apply to Belgian residents. It would apply to anyone who wants to use Belgian roads, including brief tourists or commuters from Netherlands.

How much is it going to cost me?

According to Belgian newspaper, Het Laatste Nieuws, how much it costs depends on a number of factors such as how old and polluting your car is or how long you want the vignette to last. Let’s lay them out:

  • The basic annual rate: €100
  • Annual rate for someone who drives a more polluting car: €125
  • Annual rate for someone who drives electric or hydrogen: €90
  • A one-day vignette: €9
  • A 10-day vignette: €12
  • A one-month vignette: €19
  • A two-month vignette: €30

Got a more polluting car? Nu.nl writes that you’ll have to pay slightly more.

What if I’m sneaky and don’t pay it?

Perhaps you’re literally nipping across the border to buy some cheaper toiletries, is it really necessary to purchase a vignette?

Well that depends on whether you’re willing to risk a hefty fine.

The first time you’re caught driving in Belgium without a vignette, you’ll have to cough up €70. The second time? It’ll jump to €140. And from the third time onwards, it’ll be an eye-watering €210 — the equivalent of more than two annual passes.

What about a deal for Dutch residents?

As Nu.nl reports, Minister Vincent Karremans of the VVD is advocating for a more lenient policy for Dutch residents who live near the border with Belgium. After all, they may find themselves accidentally slipping into the country on their morning commute.

“But I understand that is not included in the package now, which is very disappointing,” he tells Nu.nl.

However, these plans aren’t finalised yet. According to Euronews, the vignette still needs final approval from the regions and European authorities.

Want the latest Dutch news to come zooming through the internet to your inbox? Dat kan! Subscribe to DutchReview’s weekly roundup 📮

9 Dutch actors in Hollywood you probably didn’t know were Dutch

Don’t be fooled by the accents on screen — Dutch actors appear more frequently in Hollywood movies and TV shows than you might realize.

The Netherlands is a small country filled with straight-shooting, honest people who don’t pretend to be someone else.

Yet, the nation has produced enormous talent for doing just that — in the acting world.

There are many famous Dutch actors in Hollywood with Dutch heritage. Bogart, Brando, De Niro, Theron, Akroyd, the Carradine’s, Van Dyke, Fonda, Aguilera.

READ MORE | Tom Holland in Holland?! 7 times the Netherlands appeared in Hollywood movies

But let’s look at nine Nederlanders and people with significant Dutch heritage who play on screen. 🎥

1. Audrey Hepburn

Being one of Hollywood’s most widely recognised Dutch actors, Hepburn was born in Belgium in 1929 but grew up in Arnhem with her mother, a Dutch Baroness. 👑

They fell on hard times in her teen years when the Nazis took over the Netherlands, suffering malnutrition to the point of grinding tulip bulbs as bread flour to survive.

photo-of-audrey-hepburn-Dutch-actress
Always a stunning beauty! Image: Pixabay

At 16, she was a volunteer nurse during the Battle of Arnhem and worked with the Dutch Underground. After liberation and a few movie roles in Europe, she headed for Hollywood.

Audrey Hepburn was an iconic Hollywood actress playing wholesome parts. She starred in movies in the ’50s and ’60s, including Roman Holiday, Funny Face, Sabrina, Breakfast at Tiffany’s, Charade, and My Fair Lady.

READ MORE | 11 movies about Dutch culture to watch

She received three Academy Award nominations and won Best Actress.

Hepburn also turned down a role in the movie Anne Frank, as having watched people be executed in Arnhem would be too emotionally painful for her. She was very philanthropic and died in 1993.

She is one of 19 people who have won an EGOT (Emmy, Grammy, Oscar, and Tony Award). 🏆

2. Carel Struycken

Born in The Hague, Carel Struycken played many quirky parts in Twin Peaks, Star Trek, Men in Black, Witches of Eastwick, and Haven.

photo-of-carel-struycken-Dutch-actor
Good old Lurch. Image: Miguel Discart/Wikimedia/CC2.0

He also played in the popular The Addams Family movies, where he portrayed Lurch (one of my favourite characters growing up), among many other roles. 

This Dutch actor in Hollywood usually played a giant in non-leading roles, but is an extremely recognizable character.

3. Michiel Huisman

Michiel Huisman, a Dutch actor and singer, was born in Amstelveen, Netherlands.

He starred as Daario Naharis in Game of Thrones and as Ellis Jones in the fantasy romance film The Age of Adaline.

photo-of-michiel-huisman-on-the-red-carpet-Dutch-actor
Michiel Huisman on the red carpet of Game of Thrones. Image: Jagpal Khahera/Wikimedia Commons/CC4.0

Other notable titles you might recognise him from are Orphan Black, The Invitation, The Guernsey Literary and Potato Peel Pie Society, Black Book, and HBO’s Treme. 📺

But with 56 screen credits to his name so far, there are many more stories you’ve probably seen him pop up in.

4. Jeroen Krabbé

Born in Amsterdam, Jeroen Krabbe is known for acting in The Fugitive, Immortal Beloved, The Living Daylights, Jumpin’ Jack Flash, and Transporter 3.

photo-of-Jeroen-Krabbé-Dutch-actor
Who said Krabbes can’t be handsome? Image: AVRO/Wikimedia Commons/CC3.0

You might also recognise him from his role as Otto Frank in The Diary of Anne Frank. He came to prominence playing opposite Rutger Hauer in Soldier of Orange.

If you’re not yet impressed, Krabbé has over 100 credited roles in his career — woah! 😮

5. Rebecca Romijn

Born in California, Rebecca Romijn is the daughter of a Dutch mother and a half-Dutch father.

photo-of-rebecca-romijn-Dutch-actress
Looking very different than Mystique. Image: The Heart Truth/Wikimedia Commons/Public Domain

A Dutch actor in Hollywood that everyone can be proud of, she has played the character Mystique in four X-Men movies and also appeared in Austin Powers: The Spy Who Shagged Me.

Romijn has 61 acting credits, including the TV series Ugly Betty, Just Shoot Me!, The Librarians and Eastwick.

6. Famke Janssen

Famke Janssen was born in Amstelveen, Netherlands, and is a writer, director, and actor.

photo-of-famke-janssen-Dutch-actress
Famke’s career is certainly an impressive one! Image: Gage Skidmore/Flickr/CC2.0

She’s played many major roles, including Xenia Onatopp in the James Bond Series Golden Eye, Jean Grey/Phoenix in the X-Men films, and Lenore Mills in Taken.

Janssen has also had recurring roles on the TV series Nip/Tuck, Hemlock Grove, and Black List.

The actress has been outspoken in her disagreement with Hollywood’s ageism for women when not cast in the last X-Men movie. 👏

7. Jane Seymour

Jane Seymour was born in England, but her mother was Dutch. She spent much of her childhood in Vught, the Netherlands, and speaks fluent Dutch.

photo-of-jane-saymour-Dutch-actress
Serving royalty!💁‍♀️ Image: Alan Light/Wikimedia Commons/CC2.0

As an actress and producer, she is known for the TV series Dr. Quinn, Medicine Woman, the James Bond movie Live and Let Die, Wedding Crashers, several mini-series, and TV movies. 

Seymour has over 220 credits to her work, with twenty-two award nominations and nine wins, including two Golden Globe awards and an Emmy.

8. Carice Van Houten

Carice van Houten was born in Leiderdorp, Netherlands. With 55 credits as an actress, Van Houten is most recently known for her dark role in Game of Thrones and her role in Black Book.

photo-of-cariece-van-houten-Dutch-actress
Carice van Houten at the Game of Thrones Season 8 World Premiere. Image: Sachyn/Wikimedia Commons/CC3.0

Her Dutch-language film Love Life broke box office records in the Netherlands. 💥

She also played opposite Tom Cruise in Valkyrie and was nominated for several Saturn and SAG awards (amongst others), winning many awards, predominantly in Europe.

9. Rutger Hauer

Ever heard of Blade Runner? Rutger Hauer starred in this legendary sci-fi flick as self-aware android Roy Batty. He delivered a brilliant performance and even rewrote the ending dialogue. 

photo-of-rutger-hauer-dutch-actor
While a little older now, Hauer remains a big name. Image: Depositphotos

Hauer has over 100 movies to his credit, taught a master class in the Netherlands, and is a “Knight of the Order of the Dutch Lion” for his contributions to acting and philanthropy.

Hauer had a Best Supporting Actor Golden Globe award for Escape from Sobibor.

So there you have it. Who’s your favourite from the list? Are there any Dutch actors in Hollywood that we missed? Tell us in the comments below!💬

Feature Image: Sachyn/Wikimedia Commons/CC3.0

More Dutch people are visiting doctors about their weight

More people in the Netherlands went to their huisarts (GP) about being overweight last year, and the number shot up quickly, with the buzz around weight-loss jabs the most likely reason.

New annual figures show that Dutch GPs logged a lot more overweight and obesity registrations in 2025 than the year before. It’s a jump big enough to land these conditions among the biggest risers of the year.

What the numbers actually show

In 2025, GPs recorded overweight as a diagnosis for 6.6 out of every 1,000 patients, a rise of 39% on the previous year. Obesity (being severely overweight) climbed too, reaching 11.6 per 1,000 patients, up 37%.

Together, that puts overweight and obesity in the top three biggest increases of 2025, alongside shingles and the flu. The data comes from the Nivel research institute, which based its report on 394 GP practices covering nearly 1.8 million registered patients.

So what’s driving the spike? Researchers point to all the attention around GLP-1 medication. Karin Hek of Nivel tells NU.nl that the wave of media coverage about weight-reducing drugs has probably led to more visits and questions at the GP.

Why most people walk away empty-handed

Wanting the medication and qualifying for it are two very different things. A guideline change last year gave GPs a little room to prescribe weight-loss drugs, but the rules are strict and aimed at a very specific group.

GP Wouter Hufen describes it to NU.nl as needing three “ticks” on the list. A patient has to have a worryingly high BMI, health problems caused by it (like high blood pressure), and a completed leefstijltraject (lifestyle programme) that didn’t work well enough.

Tick all three, and he’s willing. Most people don’t, which means most people hear a firm “no”, occasionally, he admits, to his own frustration.

It’s not about a beach body

Hufen is clear that this isn’t about turning away everyone.

He’d actually like a bit more room for tailored decisions, not for someone with a few extra kilos chasing a summer figure, but for people whose weight keeps them stuck on the sofa, or who can’t shift the weight through lifestyle changes because of a physical condition.

When he does say no, he tries to dig into the “why” behind someone’s struggle. Is it a physical condition? Other medication? Stress or trauma that leads to eating in certain moments? As he puts it, everyone’s sore spot sits in a different place.

The medication isn’t the finish line

Stelder now prescribes weight-loss drugs regularly, but he’s quick to say they aren’t the whole answer. Medication is handy, in his words, but real change comes down to lifestyle, and a lot of coaching to get there.

He’d like to see GPs able to offer the drugs more widely, and suspects many hold back because of the sheer workload that comes with all the guidance and follow-up.

Hufen is more cautious, but still expects a lot from these medicines down the line, including possible uses beyond weight loss, like tackling addictions.

With the standard GP route so narrow, plenty of people are turning to online options instead, where you can lose weight with professional care.

Have you tried navigating the Dutch healthcare system for a weight-loss prescription, or been told to try a lifestyle programme first? Tell us how it went in the comments!