Banking
Netherlands — Banking: Opening Account
Dutch banks generally ask for a passport and proof of a Dutch address, and most want a BSN, though some let you start without one.
VerifiedProfessional tax guide — not a government sourceWise guide to opening a bank account in the Netherlands (commercial source)Last reviewed: 2026-10-23
Why this matters
It's essential for relocating individuals to have a local bank account for paying bills, receiving salaries, and managing finances.
Key facts
- Core documents are a passport and recent proof of a Dutch address such as a utility bill or rental contract; payslips or an employment contract and the BSN are often requested too.
- Stays over 4 months require municipal registration within 5 days of arrival to get a BSN; shorter stays use a non-resident registration (RNI) for a BSN.
- ABN AMRO requires a BSN within 120 days of opening; ING allows an account without a BSN at first and wants a BSN and Dutch address within 90 days.
- Rabobank requires an in-person branch visit to verify identity. Banks may run a credit check.
- ABN AMRO Basic Payment Package costs EUR 4.30 per month. Source is a commercial guide; confirm requirements with the bank.