Getting a Dutch Bank Account: Step-by-Step 2026

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Quick answer: New to the Netherlands? Open Wise before you arrive: once Wise has verified you, you get EUR account details with a non-Dutch euro IBAN (Wise uses a Belgian BIC and address). Once you live here, add Bunq for an NL IBAN (bunq gives you 90 days after signup to add your tax ID). After gemeente registration, open a traditional Dutch bank such as ING or ABN AMRO as your long-term bank; ABN AMRO lets you start before the BSN arrives, as long as you provide it within 120 days.

In short: a traditional Dutch bank needs a registered Dutch address; ABN AMRO lets you hand in the BSN within 120 days, bunq gives you 90 days after signup to add your tax ID, and Wise gives verified customers a non-Dutch euro IBAN before any of that is in place.

Why Dutch Banking Is Uniquely Hard for New Arrivals

Most EU countries let you walk into a bank with your passport and open a basic payment account within a day. The Netherlands doesn’t work that way.

Dutch banks have to identify their customers, and for Dutch residents the BSN is part of that: it links to your tax record and your municipality registration. Some banks let you start before you have it: ABN AMRO lets you hand it in within 120 days, provided you are registered at a Dutch address.

There’s also the address requirement. Dutch banks want a BRP-registered address — that is, an address that appears in the Basisregistratie Personen, the national population register. A rental contract alone doesn’t satisfy this. You need to have physically registered at your gemeente (local municipality office) and received your BRP extract.

This creates a timing problem. You can’t register at the gemeente until you have a Dutch address. You can’t always get a Dutch address until you have income. You can’t always prove income without a Dutch bank account for payroll. The circle is maddening.

The good news: you don’t have to break the circle. You can work around it entirely with the right staging. For a full breakdown of all your options at the start, see our article on the best banking options for expats in the Netherlands in 2026.

The Three-Stage Funnel

Here’s the mental model that makes everything clear:

You don’t have to go through all three. Plenty of expats stop at Bunq and never bother with ING. Others use Wise permanently for international transfers and Bunq as their Dutch daily driver. The point is that each stage is independent — you don’t need stage 3 to do stage 2, and you don’t need stage 2 to do stage 1.

Let’s walk through each one in detail.

Stage 1: Wise — Open Before You Even Land

What Wise gives you:

• A multi-currency account with a non-Dutch euro IBAN (Wise uses a Belgian BIC and address) (BE prefix, not NL)
• A Wise Mastercard debit card for everyday spending
• Near mid-market exchange rates on currency conversion
• The ability to hold, send, and receive in 40+ currencies

What Wise does NOT give you:

• A Dutch NL IBAN
• Integration with Dutch payment apps like Tikkie (which requires NL IBAN)
• iDEAL payments (Wise is not on iDEAL’s list of issuers)

The non-Dutch IBAN works for euro bank transfers, and Dutch employers, landlords and utilities may not refuse it: under the SEPA Regulation a payer or payee must accept euro IBANs from all EU/EEA countries (De Nederlandsche Bank). What it does not give you is iDEAL. That’s why Wise is stage 1, not the final destination.

How to Open Wise: Step by Step

1. Go to the Wise website (or download the app) and click “Register”
2. Enter your email address and create a password
3. Choose “Personal account” (not business)
4. Select your country of residence — use your home country if you haven’t yet moved, or the Netherlands if you’re already here
5. Verify your identity: upload a photo of your passport (or EU ID card) and take a selfie via the app. The selfie is a liveness check — hold your face still, follow the on-screen prompts
6. Wait for verification — Wise says document checks usually take 1-2 working days
7. Add funds: once approved, transfer money from your home bank account to your new Wise account. You can also use a credit card to load the account initially (fees apply)
8. Order your Wise debit card (optional) in the Cards section of the app. Wise may hold back card orders until it has verified your country of residence

The physical card takes longer, but you can start making online payments and bank transfers immediately after verification.

Stage 2: Bunq — Getting a Real Dutch NL IBAN

Once you have a Dutch address — whether that’s your rental contract or your BRP registration — it’s time to open Bunq. This is where you get an actual NL IBAN, which solves the Tikkie problem, the landlord problem, and the “my employer’s payroll system only accepts Dutch IBANs” problem.

Bunq is a Dutch neobank, fully licensed by De Nederlandsche Bank (DNB). Unlike Wise, it’s a real bank — your deposits are protected by the Dutch Deposit Guarantee Scheme (DGS) up to €100,000.

What Bunq gives you:

• A genuine Dutch NL IBAN
• iDEAL payments (essential for Dutch online shopping and rent)
• Tikkie compatibility
• Instant payments within the Netherlands
• A Bunq Mastercard (digital on every plan; a physical card from bunq Core upwards)

What Bunq costs (checked 14 September 2026, bunq Help: What plans are available). The old Easy Bank / Easy Money / Easy Green names are retired:

• bunq Free: €0.00/month — up to 3 bank accounts (Money Pockets) each with its own IBAN, 1 digital card, no physical card
• bunq Core: €3.99/month — “5 Pockets with unique IBAN”, “1 Digital Card and 1 Physical Card”, spending abroad “with a 0.5% markup on the latest rate”
• bunq Pro: €9.99/month — “Up to 25 money Pockets with IBANs”, “25 Digital Debit or Credit Cards and 3 Physical Cards”, “5 Foreign Currency Transfers free every month”
• bunq Elite: €18.99/month — top personal plan
• bunq Pack: €28.99/month — group plan (4x Pro Personal, or 3x Pro Personal + 1 Pro Business)

How to Open Bunq: Step by Step

1. Download the Bunq app (iOS or Android — there’s no meaningful web version)
2. Tap “Open an account” and enter your email address
3. Choose “Personal account”
4. Enter your Dutch address — this is required for the NL IBAN. If you don’t have a Dutch address yet, you can enter one as soon as you have it (e.g., your rental contract address)
5. Verify your identity: photograph your passport or EU ID, then do a selfie liveness check, similar to Wise
6. Wait for approval — typically instant to a few hours for EU citizens, occasionally a day for non-EU
7. Your NL IBAN appears in the app immediately after approval
8. Order your physical card: in the app, go to Cards → Request card. Standard delivery is 3–5 business days

Does Bunq require a BSN? Not at account opening. bunq gives you 90 days after signup to provide your tax ID (for Dutch residents, the BSN); if you miss that deadline, bunq temporarily restricts the account until you add it.

For a head-to-head comparison of Bunq’s plans versus competing neobanks, see Bunq vs Revolut for expats and N26 vs Bunq for expats.

Getting Your BSN: The Gemeente Registration Walkthrough

The BSN is not something you apply for separately. You get it automatically when you register at your local gemeente (municipality office). The process differs slightly depending on your nationality.

If you’re an EU/EEA citizen:

You have the right to live and work in the Netherlands without a visa. Registration at the gemeente is still mandatory if you stay longer than four months.

Documents you need:

• Valid passport or national ID card (EU ID is fine)
• Proof of Dutch address: rental contract, or a declaration from your landlord (a “verklaring van huurder/verhuurder” signed by both parties)
• For employees: sometimes a letter from your employer confirming your job
• For some municipalities: proof of health insurance (you have 4 months to arrange Dutch health insurance after arrival)

Process:

1. Book an appointment online via your gemeente’s website (search “[city name] gemeente inschrijven” or “inschrijving bevolkingsregister”)
2. Attend the appointment in person with your documents
3. The municipality officer verifies your documents and registers you in the BRP
4. You receive your BSN on the spot in most cases — it’s printed on a letter they hand you at the desk. In some municipalities it arrives by post within a few days.

Amsterdam waiting times as of mid-2026: around 1–3 weeks for an appointment slot. Rotterdam and The Hague are faster, often within a week.

If you’re a non-EU citizen:

Your BSN is issued as part of your residence permit (verblijfsvergunning) process. You’ll need to apply through the IND (Immigration and Naturalisation Service). More detail on the IND process at ind.nl.

IND processing times vary significantly: 4–8 weeks for some permit types, up to 12+ weeks for others. During this entire period, Wise and Bunq are your banking tools. For a detailed walkthrough of the BSN application process, see our expat BSN application guide.

Stage 3: ING — The Traditional Dutch Bank Account

Once you have your BSN and a BRP-registered Dutch address, you can open a traditional Dutch bank account. ING is the most expat-friendly of the big Dutch banks — their app has an English-language option (though the desktop site is primarily Dutch), their branch staff generally speak English, and they have widespread ATM coverage.

ING Account Opening: Step by Step

Option A: Online application (if you have DigiD)

Once you have a BSN, you can apply for DigiD — the Dutch government digital identity system. With DigiD, ING’s online application is straightforward. Most people get DigiD 2–5 days after getting their BSN.

1. Go to ING.nl and navigate to “Rekening openen” (open account)
2. Select “Betaalrekening” (current account)
3. Log in with DigiD when prompted
4. Fill in your personal details — they pre-populate from your DigiD data
5. Accept the terms and wait for confirmation email (usually same day)
6. Your ING pas (debit card) arrives by post within 5–7 business days

Option B: In-branch (no DigiD required)

1. Book an appointment via ing.nl/particulier/afspraak or call 020 22 888 88
2. Attend the branch with:
   • Valid passport or EU ID
   • Your BSN (on the letter from the gemeente, or on your residence permit)
   • Proof of Dutch address (gemeente registration extract — “uittreksel BRP” — is best; a utility bill also works)
   • Proof of income if requested (employment contract or payslip)
3. The appointment takes about 20–30 minutes
4. Account is created same day; card arrives by post in 5–7 days

ING costs:

• ING Go, formerly OranjePakket (standard current account): €4.00/month since the price increase on 1 January 2026
• Extra package (travel insurance and extras included): €7.00/month
• Credit card: €2.00/month on top of the package
• Students: ING’s student account is still free — check the current age and enrolment conditions on ing.nl

For a detailed comparison of ING vs the other traditional Dutch banks, see ING vs Rabobank for expats.

Address Proof Workarounds

The address proof requirement is where a lot of expats get stuck, particularly in the gap between signing a rental contract and getting their BRP extract.

What counts as valid address proof:

Practical workarounds if you don’t have a utility bill yet:

1. Employer declaration letter: ask your HR department for a letter on company letterhead confirming your name, job start date, and Dutch residential address. Some ING branches accept this alongside your rental contract as a combined package.

2. Landlord declaration: your landlord can sign a formal “verklaring van huurder” (tenant declaration) confirming you live at the address. This is a standard document in the Netherlands. Your landlord likely has a template. This plus your rental contract often satisfies Bunq.

3. BRP extract first, bank second: the cleanest path. Book your gemeente appointment as early as possible — even before you arrive if the online booking system allows it. Then do your banking applications after registration. Waiting for the gemeente removes nearly all address proof friction downstream.

4. Timing utilities: if you’re renting, ask your landlord to arrange the utility transfer to your name on arrival day. You’ll have a utility bill within 2–3 weeks.

Common Mistakes — and How to Avoid Them

Here’s where things tend to go wrong:

Mistake 1: Not opening Wise before you leave your home country
Wise says document checks usually take 1-2 working days, and it may also check your country of residence before you can order a card. Start a week or two before departure.

Mistake 2: Assuming your Wise IBAN works for everything Dutch
Wise gives you a non-Dutch euro IBAN (BE prefix), and Wise is not an iDEAL issuer, so you cannot pay with iDEAL from it. If a landlord or employer refuses the BE IBAN, point them to De Nederlandsche Bank’s rules on IBAN discrimination. Get bunq if you want an NL IBAN and iDEAL.

Mistake 3: Delaying the gemeente registration
Some expats put off gemeente registration for weeks because they’re busy settling in. Every week you wait is a week longer without a BSN, which delays ING access, DigiD access, healthcare registration, and more. Book the appointment your first or second day in the country — even if it’s three weeks out, at least you’re in the queue.

Mistake 4: Not knowing which Bunq plan you need
bunq Free (€0.00) is sufficient for most purposes. Don’t automatically upgrade. Move to Core (€3.99) when you actually want a physical card or a fourth and fifth Money Pocket, and to Pro (€9.99) only if you genuinely need up to 25 Money Pockets, several physical cards or free foreign-currency transfers.

When Should You Switch — and Should You Keep All Three?

Keep Wise permanently if:

• You regularly send money between countries (salary in GBP, rent in EUR, family in USD)
• You travel frequently and want mid-market exchange rates
• You want to keep a multi-currency buffer

Keep Bunq as your Dutch daily driver if:

• You want iDEAL, Tikkie, and Dutch payment compatibility without a full traditional bank
• You like the app experience and don’t need branch access
• The subscription cost (if you go Pro) is justified by features you use

Add ING (or another traditional bank) if:

• Your employer requires a traditional Dutch bank IBAN
• You want access to cash mortgages, savings accounts, or loans in the Netherlands
• You deal with older systems that still sometimes reject neobank IBANs (this is increasingly rare but still happens in some municipal and government contexts)

For a deeper dive into the long-term options, our first year in the Netherlands financial guide covers banking alongside tax, healthcare, and housing. And if you’re specifically wondering about accounts for non-residents, Dutch bank accounts for non-residents has its own breakdown.

Quick Reference: Documents Checklist

To open Wise (Stage 1):

• Valid passport or EU ID
• Email address
• Selfie for liveness check
• Any valid address (home country is fine)

To open Bunq (Stage 2):

• Valid passport or EU ID
• Dutch address (rental contract or BRP extract)
• Selfie for liveness check
• BSN (not required at opening, but collected later)

To open ING (Stage 3):

• Valid passport or EU ID
• BSN (on gemeente letter or residence permit)
• BRP extract or utility bill showing Dutch address
• Appointment booked in advance (for in-branch)

Summary: The Timeline

Before you arrive: Open Wise and leave time for verification (Wise says document checks usually take 1-2 working days).

Day 1–3 in the Netherlands: Book your gemeente appointment. This is the most time-sensitive action on arrival.

Day 1–7: Use Wise for all payments. Avoid your home bank card.

Once you have a Dutch address: Open Bunq. Get your NL IBAN. Give this to your employer and landlord.

After gemeente registration (and BSN in hand): Book ING appointment or apply online with DigiD. Open traditional account. Now you’re fully integrated into the Dutch banking system.

Weeks 6–8: Reassess. Keep the accounts you actually use. Close anything redundant.

Final Thought

Getting a Dutch bank account is confusing if no one has explained the BSN and address requirements to you in advance.

The workaround is staged: Wise first for a euro IBAN, bunq second for an NL IBAN and iDEAL, and a traditional Dutch bank third if you want one.

Open your Wise account here before you start packing, so verification is done by the time you arrive. Then come back for Stage 2 once you’re settled in.

If you found this useful, the complete expat banking comparison for 2026 covers every option including Revolut, N26, and ABN AMRO in one place.