Open a Bank Account in the Netherlands Online

Why Open a Bank Account in the Netherlands?

The Netherlands is a hub for global business, expats, and international students. A local bank account is essential for rent, salary deposits, tax, and daily expenses. Most banks now offer streamlined online applications—even for non-residents.

Can Non-Residents Open a Bank Account?

Yes. Non-residents, students, and expats can open accounts with Dutch banks like bunq, ABN AMRO, or ING. Some fintech banks also accept international applications without requiring a BSN (Dutch citizen service number).

Documents Required

• Passport or EU ID
• BSN (if available, but not always required)
• Proof of Dutch or EU address
• Proof of employment/enrollment (for some banks)

Best Banks for Online Account Opening in the Netherlands

• bunq – Fully digital and ideal for internationals
• ING – Reliable online banking, English-friendly interface
• ABN AMRO – Good for expats and business accounts
• Revolut – Digital alternative for fast onboarding
• Monvenience – Local Bank for entire EU with multicurrency SWIFT IBAN accounts for non SEPA Transfers

How to Open a Dutch Bank Account Online

1. Select a bank or fintech that supports your residency status
2. Visit their official site or app (for example www.Monvenience.com )
3. Submit your ID and proof of address
4. Verify identity via video verification at their app
5. Account is usually activated within 1–3 days

Benefits of a Dutch Bank Account

• Receive salary or government benefits locally
• Set up utility services and rent contracts
• Access to iDEAL payments (used for local purchases)
• Free/low-cost mobile banking with IBAN

Why Choose Monvenience.com – Pros and Cons

At Monvenience.com, we simplify online banking by connecting you with the most efficient, trusted, and regulation-compliant digital banking partners in the Netherlands. Here's why we stand out:

• Instant Account Opening: Open your Netherlands bank account remotely, often within 24 hours, with minimal documentation.
• No Netherlands Address? No Problem: We specialize in solutions for non-residents, digital nomads, and expats who don’t yet have a local utility bill or tenancy agreement.
• Multicurrency Support: Enjoy accounts with GBP, EUR, USD, and more — ideal for freelancers, crypto traders, and international businesses.
• Regulated & Safe: All banking partners are FCA-regulated or licensed under relevant financial authorities, ensuring top-tier security and compliance.
• Business & Personal Accounts: Whether you're launching a startup or managing your personal finances, we offer tailored solutions.
• Transparent Pricing: No hidden charges — just clear, competitive rates for account maintenance, transfers, and currency exchange.
• Ongoing Support: Our dedicated team helps with account setup, verification, and beyond — we’re with you every step of the way.

Why Choose Monvenience.com – Pros and Cons

At Monvenience.com, we simplify online banking by connecting you with the most efficient, trusted, and regulation-compliant digital banking partners in the Netherlands and rest of EU. Here's why we stand out:

Pros:

• Fast Account Opening: Open your Netherlands bank account remotely, often within 24 hours, with minimal documentation.
• No Netherlands Address? No Problem: We specialize in solutions for non-residents, digital nomads, and expats who don't have a local utility bill or tenancy agreement. You can practically use any address as your home address, as long as it is not in restricted jurisdiction. The whole of EU is also considered a local address.
• Multicurrency Support: Enjoy accounts with GBP, EUR, USD, and more — ideal for freelancers, crypto traders, and international businesses, with our SWIFT IBAN offerings.
• Regulated & Safe: All banking partners are FCA-regulated or licensed under relevant financial authorities, ensuring top-tier security and compliance.
• Business & Personal Accounts: Whether you're launching a startup, need a EU account for your ongoing business, or managing your personal finances, we offer tailored solutions.
• High-Risk Bank Accounts: If you are looking for a banking partner for your licensed gaming and crypto activities, Monvenience caters to the same.
• Transparent Pricing: No hidden charges — just clear, competitive rates for account maintenance, transfers, and currency exchange. Check website for all charges.
• Prepaid-Card: Get physical and Virtual prepaid cards linked to your accout, in association with Mastercard, that will enable you to pick up local currency cash from any ATM, pay for online purchases, or at any shop's PoS.
• Ongoing Support: Our dedicated team helps with account setup, verification, and beyond — we're with you every step of the way. We are just an email or a chat message away.

Cons:

• Non ES IBANs: We offer Lt accounts that are valid across EU and act as a local bank account in Netherlands or any EEA country, but they do not work for some functions like government payments, where it is mandated that a ES IBAN is required.
• No cash deposit or cheque facility: Being an online bank, we do not have any facility where we can accept cash deposits. We also do not offer cheque book facility, and all transactions are performed online. You can, however, withdraw cash from a local ATM.

Click here to Apply for your Account

Click here to get the document list, that you will need ready, before you apply for your account

Click here to know the fees and charges for your account

Any questions? Use the form given below to send you queries