ABN AMRO: How to open a bank account in the Netherlands

If you're moving to the Netherlands, one of the first things you'll want to do is open a bank account. It will allow you to receive your salary, pay bills, and manage your overall finances. But what are the steps and requirements for opening a Dutch bank account? In this article, ABN AMRO explains everything you need to know.

ABN AMRO is a leader in expat banking in the Netherlands

Open a bank account in under 10 minutes

ABN AMRO is a leading bank for expats in the Netherlands. You can apply for a bank account in just 10 minutes through their secure app. To verify your identity, you’ll need to take a photo (it can be a selfie) of your Dutch identity card, residence permit, or international passport.

By opening a bank account with ABN AMRO, you get all the fundamental features you need. Their Basic Payment Package contains a current account, a debit card to do your daily purchases and access to online banking services.

Proof of registration for non-EU passports

If you have a non-EU passport, banks in the Netherlands will need to verify that you live in the country. They will ask for a copy of your registration with your local municipality, which you can obtain through an extract from the Municipal Personal Records Database (BRP).

You can still open a bank account with ABN AMRO without proof of registration, but some features of your current account will not be available yet. For instance, you will not be able to withdraw from or deposit cash at a cash machine and you will not be able to make SWIFT payments (international electronic / credit card payments).

Get your BSN (Citizen Service Number) quickly

To open a bank account, you need to be liable to tax in the Netherlands. Everyone who registers with the BRP will automatically receive a BSN (Burgerservicenummer). However, this process can take some time, so it's best to register with the BRP as soon as possible.

Moved since opening an account?

Sometimes your first place of residence in a new country is temporary. Have you moved house since opening the account and still need to upload your proof of registration? In the ABN AMRO app, you can easily change your address. Then you can upload your proof of registration.

Experts in expats

For over 25 years, ABN AMRO has been the trusted financial partner for expats, diplomats, civil servants and international organisations. They provide products and advice when it comes to payments, savings, insurance, credit cards, mortgages, loans and investments. All the expat advisers at ABN AMRO are fluent in English and their website provides a wide range of (financial) tips and information for expats (also in English).