If you live in the Netherlands, you will find out that paying with a maestro card as well as cashless payment is very popular. Credit cards are rarely used and are not accepted at the Albert Heijn, which is the biggest supermarket in the Netherlands. At some places, it is not possible anymore to pay cash. For a lot of administration things (like getting a personalized public transport card) you`ll need a bank account. So you might want to think about opening a Dutch bank account.

To open a bank account in the Netherlands, you`ll need:

  • residential address
  • passport and
  • BSN

The most popular banks in the Netherlands are ABN Amro, ING, Rabobank and SNS bank (last two websites are only available in Dutch).

There are a couple of ethical banks, which only invest in green and sustainable projects: Triodos and ASN bank.

ABN Amro allows you to open a Dutch bank account even if you don’t have a BSN yet. You’d need to submit your BSN within a month after opening the bank account though. Furthermore, Bunq allows you to open a Dutch bank account without a BSN. However, Bunq might be a suitable solution if you live in the Netherlands for a shorter period and are not planning on requesting a BSN. They are a little pricier than the regular Dutch banks.

Most Dutch banks offer a student package, which is free of charge for students.

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