Opening a Bank Account

Find out how to open a bank account in the Netherlands...

To open a bank account in order to deposit funds and have a credit or debit card, the following papers are necessary:

  • Valid passport
  • Proof of address (recent utility bill, for example)
  • Some banks may also request proof of work and BSN number and proof of residence permit application
  • Non-EU citizens may also have to show proof of registration with the Foreign Police

Often a bank will check the person's credit history and may register new foreign clients with the Central Credit Registration office (Bureau Kredietregistratie, BKR). If a person has a bad debt record it will be registered with BKR.

Once an account has been opened, notification will be given by post that the bankcard is available for collection. Proof of identity is required when collecting the card. The PIN (Personal Identification Number) number will be sent separately through the post.