How to open a Dutch bank account
Most Dutch life — salary, rent, allowances — flows through a Dutch IBAN. Here's what you need, who accepts you without a BSN, and how long it takes.
General guidance, not financial or legal advice.
Settli is an educational platform — independent, no commissions. Always confirm with the official sources linked below for your specific situation.
What you usually need
Bring digital copies — most banks let you open online.
- Valid ID (passport or EU ID card)
- BSN (most banks; some open without and add it later)
- Dutch address (some banks accept temporary or PO)
- Proof of residence permit if non-EU
Beginner-friendly options
These banks are commonly opened by newcomers. Settli does not partner with or recommend any specific bank — compare yourself.
- Bunq — fast, English-first, opens without BSN initially
- Revolut — multi-currency, light onboarding
- ING / ABN AMRO / Rabobank — traditional, full Dutch banking
- N26 — accepts newcomers in many cases
Once open
Share your IBAN with your employer for salary, set up iDEAL for online payments, and link DigiD-related services where needed.
Common questions
Can I open an account without a BSN?
Yes, with some banks like Bunq or Revolut. You'll usually need to add your BSN within a few months.
How long does it take?
Online-first banks: minutes to hours. Traditional banks: a few days to a week.