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).