Compare Dutch current accounts that actually work for expats

See which Dutch bank accounts you can actually open and use as an expat, before you apply.

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  • A clear overview of eligibility requirements and key costs
  • No hidden conditions
  • Applications always handled through the official provider
Dirk Folkerts
24/12/2025

We help you identify suitable products for expats. To keep the site running, we receive compensation from some banks. This does not affect our assessments; Our assessments are based on expat eligibility criteria such as identification requirements, residency rules, and account stability.

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Betaalrekening. Leenbedrag van $20.000 en kredietscore van 700-749, besteld door APR

Betaalrekening. Leenbedrag van...

Dutch current accounts for expats (compare instantly)
About this comparison

Digitale rekening voor dagelijks gebruik

bunq free
bunq free
Virtuele kaart
Annual fee
€ 0
Expat friction profile
Low
Local IBAN
Yes (NL)
Apply
Current account available without a local personal identification number.
Details
BSN required
No
IBAN country
Netherlands
Local address required
Yes (EU/EEA address required)
SEPA Instant
Yes
Identification method
App selfie/video ID
Cash withdrawals (EU)
~€2.99 per withdrawal
Supported residency
EU/EEA residents
Foreign currency card fee
Real Mastercard exchange rate (small markup)
Salary payments supported
Yes
Account opening from abroad
Yes

Digitale rekening voor dagelijks gebruik

N26 current account
N26 current account
Virtuele kaart
Annual fee
€ 0
Expat friction profile
Medium
Local IBAN
No (DE IBAN)
Apply
Current account available without a local personal identification number.
Details
BSN required
No
IBAN country
Germany (DE)
Local address required
No (EU/EEA address required)
SEPA Instant
Yes (incoming and outgoing)
Identification method
Video-ident (passport / national ID)
Cash withdrawals (EU)
€0 up to 3 withdrawals per month, then ~€2 per withdrawal
Supported residency
EU/EEA residents
Foreign currency card fee
0% on card payments
Salary payments supported
Yes
Account opening from abroad
Yes

Digitale rekening voor dagelijks gebruik

Revolut standard account
Revolut standard account
Virtuele kaart
Annual fee
€ 0
Expat friction profile
Medium–High
Local IBAN
No (varies)
Apply
Free account suited for travel and everyday payments.
Details
BSN required
No
IBAN country
Varies (LT / NL / other EU)
Local address required
No (EU/EEA address accepted)
SEPA Instant
Yes (where supported)
Identification method
App selfie / video ID (passport or national ID)
Cash withdrawals (EU)
Limited free allowance, then fee (plan-dependent)
Supported residency
EU/EEA residents (country restrictions apply)
Foreign currency card fee
0% on card payments within plan limits
Salary payments supported
Yes (employer acceptance varies)
Account opening from abroad
Yes

Digitale rekening voor dagelijks gebruik

Openbank open account
Openbank open account
Virtuele kaart
Annual fee
€ 0
Expat friction profile
Medium–High
Local IBAN
No (ES IBAN)
Apply
Online current account with limited availability for non-residents.
Details
BSN required
Yes
IBAN country
Spain (ES)
Local address required
Yes
SEPA Instant
No (standard SEPA transfers)
Identification method
Video-ident or in-branch
Cash withdrawals (EU)
Free at Santander ATMs in Spain, fees may apply elsewhere
Supported residency
Spanish, Dutch, German, Portugese
Foreign currency card fee
Yes (markup applies)
Salary payments supported
Yes
Account opening from abroad
No

Digitale rekening voor dagelijks gebruik

ABN AMRO basic
ABN AMRO basic
Virtuele kaart
Annual fee
€ 39
Expat friction profile
High
Local IBAN
Yes (NL)
Apply
Traditional bank account primarily intended for Dutch residents.
Details
BSN required
Yes (at signup)
IBAN country
Netherlands (NL)
Local address required
Yes (Netherlands)
SEPA Instant
Yes
Identification method
In-branch or iDIN
Cash withdrawals (EU)
Limited free allowance, then fee
Supported residency
Dutch residents only
Foreign currency card fee
Yes (markup applies)
Salary payments supported
Yes
Account opening from abroad
No
Toon alle resultaten

This is how we conduct our research

135
Financial products analysed
35
Financial institutions
Fixed and variable fees (for example usage or withdrawal fees)
Interest (such as savings interest or overdraft interest)
Popularity and availability
Service quality (e.g. customer support)
Terms and conditions
Product features
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