Opening a bank account

The easiest way to pay your bills in the Netherlands is to open a Dutch bank account, especially when you come from a Non-EU/EEA country. When you have opened your account, you will receive a bank card and PIN code (Personal Identification Number) which you can use in any shop or store in the Netherlands.

Traditional banks

The largest banks in the Netherlands are Rabobank, ING and ABN AMRO bank, but there are more. These banks are well-established and offer the option to visit a branch for personal service. Most of these banks charge a fee for the use of your account.

Online banks

You can also open an account with a digital bank such as Bunq or Revolut. Online banks often have lower fees, but some services, like certain payments or account features, may be more limited than at a traditional bank.

Opening a bank account

When opening a bank account, you will be asked to show the following documents:

• A valid proof of identity (passport or ID card).
• For non-EU students only: your residence permit card or letter from the IND with the approval of your legal stay in the Netherlands.
• Your student card or statement of enrolment.
• Your BSN (Burger Service Nummer) which you receive after registration at the municipality. In order to get a BSN number, you have to register as a citizen of Groningen.

You will receive your bank account number when you open your bank account. Your banking card will be sent to you within a week.