Opening a Dutch bank account as a foreigner can seem like a complicated process — but the process becomes a lot easier when you have the right information. In this article, we discuss the steps and requirements for opening a bank account in the Netherlands, the associated costs and how Western Union can help.
Opening a Bank Account Online without Identification
It is not possible to open an (online) bank account in the Netherlands without identification or to open a bank account without a BSN (a Burgerservicenummer, or Citizen Service Number). With Western Union, you can send money even without a Dutch bank account. You can pay with a foreign debit or credit card, or via bank transfer. Recipients have the option to collect the money in cash, have it deposited into their bank account or receive it in a Mobile Wallet.
What Do You Need to Open a Bank Account?
To open a bank account in the Netherlands, you will need a valid identity document containing your BSN. If you do not have a Dutch identity document, you can also use a European identity document, a Dutch residence permit or sa W document. In this case you must also be able to prove that you live, work, study or own a house in the Netherlands. This can be done by providing a lease agreement or a recent energy bill, for example.
Opening a Bank Account for Foreigners
Opening a bank account for foreigners in the Netherlands is possible by providing a valid identity document, a BSN and proof of address. If you are temporarily staying in the Netherlands or do not yet have a residence permit, we advise you to contact the bank to discuss your options for opening a Dutch bank account.
Want to transfer money quickly and easily without a bank account? Download the Western Union app.
Bank Account Opening Costs
If you want to open a bank account, how much would it cost? Bank account fees vary from one bank to another and range from a few euros to more than €100 per year. Banks charge fixed annual fees for holding an account. An overview of the monthly charges at some popular banks is given below:
| Bank | Monthly Fees | Cost Per Payment Outside of the EU | Currency Conversion Costs |
| ABN AMRO | €3.95 | €0.15 | 1.2% |
| ASN Bank | €2.30 | €0.00 | 0.0% |
| ING | €2.50 | €0.20 | 1.1% |
| SNS | €2.58 | €0.15 | 1.1% |
| RegioBank | €2.75 | €0.15 | 1.2% |
| Bunq Easy Green | €17.99 | €0.00 | 1.5% |
| Knab | €6.00 | €0.00 | 1.5% |
Send Money from the Netherlands
With Western Union, you can quickly send money from the Netherlands without a bank account. Traditional banks require a bank account and have longer processing times, while Western Union works directly and globally.
You can pay online by credit card, debit card or at an agent location. Recipients have the option to collect the money in cash, have it deposited into their bank account or receive it in a Mobile Wallet. For an easy and quick way to send money from the Netherlands, choose Western Union.
Frequently Asked Questions
- What Do You Need to Open a Bank Account?
To open a bank account in the Netherlands, you will need a valid identity document containing your BSN. If you do not have a Dutch identity document, you can also use a European identity document, a Dutch residence permit or a W document (for asylum seekers). In addition, you will need to show proof of your address in the Netherlands, such as a lease agreement or a recent energy bill.
- Can I Open a Bank Account in the Netherlands as a Foreigner?
Yes, you can open a bank account as a foreigner. You will need a valid identity document, such as a passport or ID card, containing your BSN. If you do not have a Dutch identity document, you can also use a European identity document or a Dutch residence permit. In addition, you must prove that you live, work, study or own a house in the Netherlands. This can be done by providing a lease agreement or an energy bill, for example.
Looking for an easier way to send money without a Dutch bank account? Use Western Union to easily send money online, and download the Western Union app for an even more convenient process.
