New to the Netherlands?
Whether you’ve just arrived or are planning your move, a Dutch bank account helps you manage your daily finances. At ABN AMRO, you can open an account without a Citizen Service Number (BSN ).
I want to open a bank account for
Why internationals choose ABN AMRO
25+ years serving internationals
Helping internationals manage their banking in the Netherlands for 25+ years, with English-speaking support and local offices.
Open an account without a BSN
Still waiting for your Citizen Service Number (
BSN
)? You can still open an account and get started with your daily banking.Secure, simple and fast
Open your account online in the ABN AMRO app. Add Apple Pay or Google Pay and pay the way you prefer.
Opening a bank account in the Netherlands
Whether you’ve recently arrived in the Netherlands or have been living here for some time, a Dutch bank account makes it easier to manage your daily finances. Over 340K internationals choose ABN AMRO for their everyday banking. The ABN AMRO Basic Payment Package includes a current account, debit card and access to online and mobile banking. You can also add products or services that fit your needs, now or later. This gives you the flexibility to manage your banking in a way that works for you.
“The process was simple and smooth, and I really like the app — so far, it’s perfect.”
June, 2026
Other accounts and banking services
Open a business account
Starting a business or working as a freelancer in the Netherlands? Explore our business banking solutions and open a business account that fits your company.
Current account for Ukrainian refugees
If you have arrived in the Netherlands from Ukraine, you may be able to open a current account to manage your daily banking needs.
Foreign Currency Account
Do you frequently make or receive transactions in a foreign currency? Then the Foreign Currency Account may be an interesting option for you. You can choose between 27 currencies.
More information about a Dutch bank account
For myself
Get a bank account in the Netherlands, including a debit card, with a reliable bank for just €4.30 per month.
For us together
A joint account with 2 debit cards costs €5.80 per month.
For my child
A free account that your child can use to make payments and start saving. It’s easy to open the bank account online.
An additional account
An additional account costs €1.90 and only takes a minute to open. You can open one easily through Internet Banking.
What are the costs of a Dutch bank account?
We have listed the monthly fees for the most common Basic Payment Package configurations. Please take a look at the table below.
| Type of account | Fee |
|---|---|
| Bank account + debit card | €4.30 |
| Bank account + debit card + credit card | €6.85 |
| Joint account: Bank account + 2 debit cards | €5.80 |
| Joint account: Bank account + 2 debit cards + credit card | €8.35 |
See all everyday banking fees
Here’s an overview (in Dutch) (PDF, 229 KB) of what you pay for the main services linked to your current account. This helps you to easily compare costs with other banks.