How to Open a Bank Account in Netherlands? – 2025 Guide
How to Open a Bank Account in the Netherlands? – 2025 Guide 💳
One of the most important steps for anyone planning to live, work, or study in the Netherlands is opening a bank account. Thanks to the country’s reliable banking system, transactions are fast and secure. In this guide, you will find a step-by-step explanation of how to open a bank account in the Netherlands and explore alternative solutions. ✨
Why Do You Need to Open a Bank Account in the Netherlands?
In the Netherlands, a bank account is required for many daily and official transactions, such as:
Rent payments 🏠
Salary or scholarship payments 💰
Utility and subscription bills (electricity, internet, water, phone) 📶
Tax and social security transactions
Opening a bank account makes life much easier, especially for students and newcomers.
🏦 What Types of Banks Can You Choose in the Netherlands?
There are three main options to consider when choosing a bank in the Netherlands:
Traditional Banks
Banks such as ABN AMRO, ING, and Rabobank have physical branches across the country.
Advantages:
In-person service
Extensive ATM network
Financial consultancy
Digital / Online Banks
These are fully online banks such as N26, Revolut, Bunq, and Wise (you may customize the names based on your needs).
Advantages:
Fast application process and low fees
Easy-to-use mobile apps
Flexible identity verification for newcomers
Immigrant-Friendly & International Banks
Banks such as N26, Bunq, and some major traditional banks are popular among people who have recently moved to the Netherlands.
📄 Required Documents to Open a Bank Account in the Netherlands
Most banks request similar documents. As of 2025, the general requirements include:
Passport or national ID
Proof of address in the Netherlands
BSN (Dutch citizen service number / tax ID number)
Proof of income or employment (may be required by some banks)
Student certificate (for students)
Online banks usually allow you to open an account using your passport and video verification.
🛠️ Step-by-Step Process to Open a Bank Account in the Netherlands
Choose a bank – Select the bank and account type that suits your needs.
Submit your application – Apply online or at a branch.
Verify your identity – Complete in-branch or video verification.
Confirm your address – Your card and account details will be sent to your registered address.
Activate your account – Start using online banking after receiving your card.
Things to Know Before Opening a Bank Account in the Netherlands
Some banks may request a credit history or reference from new residents.
Online banks usually require fewer documents and offer faster approval.
Monthly account fees vary by bank. Some banks offer free accounts.
In most cases, you must be physically present in the Netherlands to open an account (except for certain international banks).
🚀 Sending Money to the Netherlands Without a Bank Account – kuikpara
You do not need to open a bank account to send money to the Netherlands. With kuikpara, you can:
"Transfer money to the Netherlands for free without a bank account."
Fast and secure transfers
Low-cost and transparent fees
Real-time transfer tracking ✅
Send money quickly, securely, and for free from Türkiye to your loved ones or business partners in the Netherlands.
📲 How to Use kuikpara
Download the app 📱
Download the kuikpara app from the App Store or Google Play (iOS & Android).
Create an account ✍️
Register quickly using your phone number and email.
Verify your identity ✅
Complete the identity verification process for secure transactions.
Top up your wallet and send money 💸
Send money instantly and for free to a person, card, or bank account.
Frequently Asked Questions (FAQ) ❓
How long does it take to open a bank account in the Netherlands?
10–20 minutes with online banks; 1–3 business days with traditional banks.
Can I open a bank account before moving to the Netherlands?
Traditional banks usually do not allow this, but some online banks may be flexible.
Do I need a Dutch bank account to send money from Türkiye to the Netherlands?
No! With kuikpara, you can send money quickly and securely without a bank account.