The Netherlands is one of the most important financial hubs in Europe, and it’s a great place for expats to bank. In fact, Amsterdam’s financial district is one of the largest in Europe. There are plenty of banks here that can help you manage your money and take care of all your financial needs.

What to take with you to open a Dutch Bank Account?

You must take the following with you when you go to open a bank account:

  • A passport or ID card.
  • Proof of address and proof of income, such as your tax return from the previous year (or two years if you have an accountant).
  • Proof of identity, such as a driver’s license or student ID.

Can I open a Bank Account without a BSN number? Yes, you can open a bank account at Bunq. Please note that you need to get a BSN number in your account in 30 days. Your BSN number is directly linked to your Bank Account disregarding the Banking Branch.

Applying for a Dutch bank account

In order to open a Dutch bank account, you will need to have both a Dutch address and an existing Dutch bank account. However, if you don’t have a Dutch bank account yet and want one to qualify for your new home loan or mortgage, then it’s possible to get it at the same time as your new home purchase.

The easiest way is to do this online by uploading scans of all documents from your country of origin such as passport or driver’s license (you can also use any other identity document). The next step would be for them to verify that these documents are real by sending them via mail or courier service with an official stamp on it which certifies that these documents belong to who claims them. This will take about two weeks after receiving all necessary documentation from clients’ countries of origin. Once everything is approved by the lender/bank they will call back so clients know what steps they need now: go pick up their new card at the branch office; set up pin code through the website etc.”

Paying your bills from abroad

Paying your bills from abroad is very important for your credit rating. The sooner you pay your bills, the better it is for your finances. If you have a great deal of money in savings already and are planning on coming back to the Netherlands within a few months, then paying all of your bills before leaving is important as well. You do not want to arrive back home with large amounts of debt that can take years to repay!

The best way to pay bills while abroad is through online banking or mobile banking apps like iDeal, Bancontact or Masterpass. These systems allow you to make payments directly from another country without having to use cash or cheques. You can also set up automatic payments so that all future payments go out automatically whenever they are due; this makes life much easier when living overseas!

If you don’t have access to these services (or if they don’t work), then another option would be asking friends or family members who live nearby who may be able to help out with bill payment every month by giving them money once every 3-6 months when visiting somewhere close by such as the Netherlands where many people speak English fluently enough for conversations like this one!”

Opening a bank account in Amsterdam

To open a bank account in Amsterdam, you will need to bring with you:

  • Proof of address
  • Your passport or Dutch identity card
  • Your IBAN number (if you have one)

If you don’t have an IBAN number yet, don’t worry! The bank will assign one to your account during the opening process. They may also ask for other documents such as proof of employment and/or income.

Withdrawing money abroad

The Dutch banking system is one of the most advanced in the world, and it’s surprisingly easy to get your hands on cash while travelling. You can withdraw money from an ATM (automatisch teller machine) or a cash point (cash machine), as long as you have a debit card with a four-digit pin number.

How does the payment system work in the Netherlands?

Now that you know a little bit about the banking system in the Netherlands, let’s talk about how payments work. It’s possible to receive payments from people living in other countries directly into your bank account. Your bank will charge a fee for this service, but you can choose whether or not to accept foreign payment requests. If it sounds confusing, don’t worry! Most banks have an app that makes it simple to receive international payments and make sure they go towards your account balance correctly.

You can also get paid by employers or clients who live abroad—this is called “remittance”. It’s important that you keep track of these transactions so you don’t accidentally spend money twice! If someone sends you a remittance from another country through their local bank account (which may be different from yours), the transaction will still show up on your screen as if it were coming from another person living close by—you’ll just need to use an exchange rate calculator (or ask friends) to see how much money is really going into each currency.


Opening a Bank Account is very easy in the Netherlands, but you need to bring some documents to the bank when you want to open an account. Opening a bank account, doesn’t mean you will get a Credit Card as well. In the Netherlands, Credit Cards are used less than in the USA for example. More information about Credit Cards in the Netherlands, can you find in this article.