Open a Dutch bank account

How to open a Dutch bank account as an international student in the Netherlands.

Having a Dutch bank account is a convenient way to access money and make payments while you are here. You can save money on international payments and international credit cards do not work in smaller shops and cafés. With the debit card which you receive when opening a Dutch bank account, it is easy and free of charge to pay at supermarkets, cafes and restaurants. 

You can open a student bank account at several different banks in the Netherlands.

Are you a citizen from a EU country with the euro as currency? Since the introduction of the Single Euro Payments Area (SEPA(opens in new window)) it is possible for Dutch companies to collect money from a foreign bank account. In this case, it might not be necessary to open a Dutch bank account. Contact your own bank for more information.

You need a Dutch bank account for e.g.:

  • automatic monthly payments of your tuition fee
  • a Dutch phone subscription with automatic payment per month
  • reimbursement of your immigration deposit.

Which bank should I choose?

Banks have different terms and conditions. You can open a student bank account with a bank branch of your choice. The biggest banks, with information in English, are:


You can make an appointment online at ABN AMRO(opens in new window). To complete your bank account, you will need to visit one of their desks. For the necessary verification, you will need:

  • a valid passport
  • proof of enrolment or your student card
  • your Tax Identification Number of your home country
  • your BSN number

You will receive your banking card, pin code and activation code within 5 working days. Please note: you can only open a bank account with ABN AMRO if you are going to live in the Netherlands for at least 6 months.

More about opening a bank account at ABN AMRO
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  • You cannot open a bank account online. You have to got to an ING Service Point(opens in new window).
  • EU students who already have an EU bank account with IBAN, cannot open a bank account at ING. A Dutch bank account is not necessary in this case, since you already have a fully working EU bank account.

Don't forget to bring:

  • a valid ID (passport, ID card, official residence document)
  • a copy of your registration at a Dutch educational institution (full time study), so called proof of enrollment
  • your burgerservicenummer (BSN) or, if you don't have one, your Tax Identification Number (TIN) 
  • an original extract from the Personal Records Database (BRP), not older than 3 months
More about opening a bank account at ING
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  • Full online application possible, but for selected nationalities only.
  • To complete the online opening of your bank account, you need:
    • a valid passport
    • your residence permit ( the IND letter is not sufficient)
  • As with the other banks, you will need to provide your BSN, but Bunq allows you up to 3 months to do so.
More about opening a bank account at Bunq
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