Opening a Dutch Bank Account

There are several reason why having a Dutch IBAN bank account is practical while you are in the Netherlands:

  • You may need it to pay fees by bank transfer or to receive your scholarship, or if you want to apply for a cell phone subscription
  • Dutch shops, photocopiers, printers, soft drink and snack vending machines do not accept cash and credit cards are not commonly accepted.
  • With a Dutch debit card you can withdraw cash from ATMs without paying a fee.

Note that if you have an IBAN bank account with a Maestro card, you may not need to open a Dutch account.

General requirements for opening a Dutch bank account:

  • You must have a valid identification document (for non-EU students: passport only).
  • You must have a Dutch address where you will live during your stay.
  • You need a proof of enrolment at the university.
  • Banks will need your ‘BSN’. This is a unique identification number assigned by the Dutch government, which you obtain when you register with the city
  • Banks usually only open a bank account if you stay in the Netherlands for at least one full semester (5 months).

Bank office in Utrecht City Centre

Because opening a bank account can involve a rather lengthy procedure, it is recommended to make the necessary arrangements as soon as possible after you registered your address at the Municipality. Several banks offer the opportunity to open a Dutch bank account to international students. The following bank office is situated at central location in the city centre of Utrecht:

  • ABN AMRO Bank
    Located at Neude 4 in Utrecht. The terms and conditions for a student bank account as well as contact information can be found on the ABN AMRO Bank website

Other financial matters

Even if you intend to open a Dutch bank account you still need to have other means of payment at your disposal after your arrival, as a Dutch bank account takes time to prepare. Therefore we strongly recommend that you bring:

  • A bank card that allows you to use an ATM in the Netherlands. Check with you bank to make sure that it will work in a Dutch ATM.
  • A credit card (Visa or Mastercard).