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How to open a Dutch bank account?

  • How to open a Dutch bank account?

    Since September 2018 there has been a change regarding the requirements for opening a Dutch bank account for Non-EU/EEA guests.

    One of the requirements is that you have a Dutch Social Security Number (in Dutch: Burger Service Nummer). You are required to be registered as a resident in a municipality, for example Groningen. You will receive an overview of your personal details (in Dutch: persoonslijst) by the Municipality of Groningen within four weeks via post. You will receive your citizen service number (in Dutch: BSN) at the same time as your personal details. Afterwards, you can apply for an extract from the municipal personal records (or database of personal records) via the website of Gemeente Groningen. In order to open a bank account, you might need to provide this extract but depends on the choice of bank.

    We advise you to carefully read the terms and conditions of the bank prior to opening a bank account.
  • ABN AMRO

    The ABN AMRO provides astudent package especially for international students that could meet all your needs. 

    What do I need to open a bank account?
    • Passport or ID-card
    • An official BSN letter
    Do I need to make an appointment?
    As from 1 August 2021, you can open a bank account online. There is no need to visit the local branch.

    Is it possible to open a bank account for a minor (person under 18 years old)?
    Yes, it is possible if at least one of the parents/guardians is present at the appointment. For this you do need to visit the local branch.

    How long does it take to receive my bank account?
    You will receive an account number, bank card, pin and activation code within 5 working days after your appointment.

    Additional information
    A student can only open an account if you stay longer than 6 months in the Netherlands for their study.

  • ASN Bank

    You can open a Dutch student bank account at ASN Bank.

    What do I need to submit? 
    • Passport
    • An official BSN letter
    Do I need an appointment?
    No, you do not need an appointment. You can apply for a Dutch bank account online. Please note that the website of ASN bank is only available in the Dutch language.

    Is it possible to open a bank account for a minor (person under 18 years old)?
    Yes, it is possible if the parents have a Dutch bank account for an identification transfer. If the parents do not have a Dutch bank account, they should go to the head office in The Hague for identification.

    Additional information
    The website is only in the Dutch language. When opening an account, one can choose for identification by AMP. Within approximately 2 working days after opening the account, AMP will send an e-mail containing a link. Through this link the account holder can make an appointment with AMP for identification.
  • Bunq

    Bunq is an online bank where you can open a bank account.

    What do I need to submit? 
    • Passport
    Do I need an appointment?
    No, you can apply online for opening a bank account.

    Is it possible to open a bank account for a minor (person under 18 years old)?
    Yes, it is possible if the parents have an active Bunq-account (free of charge or paid). When the minor submits their application, Bunq will send a confirmation link to minor's parent(s) or legal guardian.

    How long does it take to receive my bank account?
    It takes approximately 1 working day before you receive your bank account.

    Additional information
    There are no bank branches available in the Netherlands. You will have to do everything with online banking.
  • ING

    The ING has a student account for international students.

    What do I need to bring with me? 
    • A valid form of ID (passport, European ID card, official Dutch residence document)
    • Official proof of registration in the Personal Records Database (uittreksel BRP) including BSN with the current address (charges: approximately 17.00 euro)
    • An official BSN letter
    • Proof of registration at a Dutch educational establishment

    Do I need an appointment?
    No, please go to one of the following service points to open an account:

    ING servicepunt Pleiadenlaan (Bruna)
    Dierenriemstraat 220
    9741 AM Groningen
    Mon/Fri: 10.00-12.00 14.00-17.00

    ING servicepunt Lewenborg (Cigo)
    Kajuit 269
    9733 CT Groningen
    Mon/Fri: 13.00-17.00

    Is it possible to open a bank account for a minor (person under 18 years old)?
    No, this is not possible.

    How long does it take to receive my bank account?
    It takes approximately 5 to 6 working days before you receive your bank account and pin card.

    Additional information
    This student account is only available for students between the ages of 18 and 29 years.

  • N26

    N26 is an online bank.

    What do I need to submit? 
    • Passport
    Do I need an appointment?
    No, you do not require an appointmet. You can apply online for a bank account.

    Is it possible to open a bank account for a minor (person under 18 years old)?
    No, this is not possible.

    How long does it take to receive my bank account?
    It takes approximately 1 working day to receive your bank account.

    Additional information
    There are no bank branches available in the Netherlands. You will have to do everything with online banking.  
  • Rabobank

    Rabobank provides a student package for international students.

    What do I need to submit or bring with me?
    • Passport
    • Dutch residence permit
    • Official proof of registration in the Personal Records Database (uittreksel BRP) including BSN with the current address (charges: approximately 17.00 euro)
    • An official BSN letter
    • Personal TIN (Tax Identification Number) (the citizens tax number from your home country)
    • Proof of registration at a Dutch educational establishment (Statement of enrolment)

    Do I need an appointment?
    No, it is not required but we do advise you to make an appointment.

    Is it possible to open a bank account for a minor (person under 18 years old)?
    Yes, it is possible to open a bank account as a minor if your parents are present in person during the application. The parents have to submit their passport.

    How long does it take to receive my bank account?
    It takes approximately 2 working days. Students from countries where financial sanctions take place, it could take about 2 to 3 weeks.

    Additional information
    When the student leave the Netherlands, the bank account should be terminated.

  • SNS Bank

    SNS provides several SNS bank accounts.

    What do I need to submit? 
    • Passport
    • An official BSN letter
    • Proof of registration at a Dutch educational establishment (Statement of enrolment)
    Do I need an appointment?
    No, it is not necessary to make an appointment.

    Is it possible to open a bank account for a minor (person under 18 years old)?
    No, this is not possible.

    How long does it take to receive my bank account?
    It takes approximately 2 weeks to receive your bank account.

    Additional information
    The SNS student account is for students between the ages of 18 and 27 years. The website is only in the Dutch language.