The Best Dutch Banks for Expats: A Practical Comparison

The best Dutch banks for expats in 2026 are ABN AMRO, ING, and Bunq. ABN AMRO offers comprehensive expat packages with English-language service, ING provides user-friendly digital banking with no monthly fees for basic accounts, and Bunq caters to digital nomads with multi-currency options. Your choice depends on whether you prioritize traditional branch access, low fees, or international flexibility.

Top Dutch Banks Comparison

ABN AMRO: Best for Traditional Expat Banking

ABN AMRO is one of the largest banks in the Netherlands and offers dedicated expat services. Their International Clients team provides:

• Full English-language support (online, phone, and in-branch)
• Expat-specific account packages
• Assistance with Dutch tax requirements (BSN number, DigiD setup)
• Mortgage services for international buyers
• Extensive branch network across major cities

Account Fees: Basic accounts start at €2/month, while premium accounts with additional benefits cost around €6/month.

Requirements: Valid passport, proof of address in the Netherlands, BSN (burgerservicenummer) for most account types.

ING: Best for Low-Cost Digital Banking

ING is ideal for expats comfortable with digital-first banking. Their Orange Current Account is free if you receive at least €1,000/month in salary or other income.

• No monthly fees for basic account (with €1,000 monthly deposit)
• Excellent mobile app with English interface
• Free contactless debit card
• 24/7 English customer service
• Integration with Apple Pay and Google Pay

Account Fees: €0/month if you meet deposit requirements; otherwise €4/month.

Drawbacks: Limited branch locations (primarily in major cities), so in-person service is less accessible than ABN AMRO.

Bunq: Best for Digital Nomads and Freelancers

Bunq is a fully digital bank designed for modern, mobile lifestyles. It's particularly popular among digital nomads, freelancers, and expats who travel frequently.

• Multi-currency accounts (EUR, USD, GBP)
• Instant account opening via app (no branch visit needed)
• Travel insurance included in premium plans
• Carbon offset features for eco-conscious users
• Sub-accounts for budgeting and savings goals

Account Fees: Easy Money plan at €2.99/month, Easy Green at €8.99/month, Easy Money Plus at €16.99/month with premium features.

Best For: Expats who don't need traditional branch banking and want flexibility for international travel.

Rabobank: Best for Rural Areas and Traditional Service

Rabobank has a strong presence in smaller towns and rural areas where other banks have fewer branches.

• Widespread branch network, especially outside major cities
• Personal relationship banking approach
• Strong agricultural and small business focus
• English-language support available

Account Fees: €3-€5/month depending on account type.

Opening a Dutch Bank Account: Requirements

Most Dutch banks require:

• Valid ID: Passport or EU national ID card
• Proof of address: Rental contract, utility bill, or registration with municipality
• BSN (burgerservicenummer): Your Dutch citizen service number, obtained after registering with the municipality
• Proof of income or employment: Employment contract or proof of student status (for some banks)

Some banks like Bunq allow you to open an account before obtaining your BSN, which can be helpful during your first weeks in the Netherlands.

Banking Tips for Expats

• Start with a basic account: Upgrade to premium services only if you need international transfers, travel insurance, or higher withdrawal limits
• Compare fees for international transfers: Banks often charge high fees for sending money abroad. Consider services like Wise (formerly TransferWise) for better rates
• Set up iDEAL: This is the Netherlands' primary online payment system, essential for e-commerce and many services
• Understand overdraft policies: Dutch banks typically don't offer overdraft facilities on basic accounts

For more information on expat services and resources, visit Expats List or explore our comprehensive blog section.