Your first steps to banking like a local

One of the first practical things you will sort out after arriving in the Netherlands is your banking. Without a Dutch bank account, everyday life becomes surprisingly tricky. You need it for your salary, for rent, for utilities and, honestly, for most payments you will make.

To help you start off on the right foot, here is a simple walk-through of what to expect and how to get everything set up without unnecessary stress.

Why a local bank account matters

Your Dutch bank account will become your financial anchor here. It is the account where your employer deposits your salary, and it is also where you link automatic payments for things like electricity, water, and telecom services.

Many places prefer local payment methods, so having a Dutch account helps you navigate daily life smoothly.

How onboarding usually works

Once you know which bank suits you, the onboarding process is fairly straightforward:

• First, choose your bank. Look at the basics such as monthly fees, features, language support and whether the mobile app feels user-friendly. Some people prefer a big national bank, others like online-only banks.
• After choosing, you can either apply directly through the bank’s app or visit one of its branches. 
• As part of your application, you will need your documents and proof of identification. Some banks ask for everything up front, while others request additional items later.
• After submitting everything, you simply wait for confirmation. Once you are approved, your debit card will be sent to your home address, and you can start using the mobile app right away.

What you need to open a Dutch bank account

To avoid delays, it helps to know what banks typically ask for:

• A BSN (citizen service number) is often required, although some banks let you begin the process before you officially receive it.
• You will always need valid identification, such as your passport, and, depending on your situation, your residence permit.
• You will also need proof of your Dutch address, such as a tenancy contract or an official registration document. The exact requirements vary per bank. 

Open a Dutch bank account with ING

Common hurdles and how to avoid them

Most issues arise when documents do not quite match, so double-check everything before you submit anything:

• Missing or mismatching documents are the biggest reason for delays. Make sure your name and address appear exactly the same across all your paperwork.
• Proof of address is another common stumbling block. Some banks will not accept certain document types, so have a backup ready just in case.
• If your foreign credit card is declined when paying verification fees, do not panic. It happens frequently. Simply try another card or choose a bank that offers an alternative verification method.
• Language can also get in the way. If you are not comfortable navigating Dutch paperwork just yet, choose a bank with good English support.

Financial and insurance habits in the Netherlands

Once you are set up, it helps to understand a few local money and insurance habits:

• Dutch people rely heavily on debit cards. They are the default in shops, cafés and even markets. Credit cards are much less common because shops pay higher fees, so do not be surprised if yours is rejected in places where you expected it to work.
• Mobile phone payments are everywhere. As long as your bank supports Apple Pay or Google Pay, you will sail through daily life just fine.
• One more cultural habit worth noting: liability insurance (aansprakelijkheidsverzekering) is incredibly common here. It is inexpensive and covers accidental damage or injury, which is why so many locals consider it a standard part of life.