ING Betaalrekening ING
€0
- Tutela del deposito: EU DGS — tot €100.000
- Maandelijkse kosten: €0/maand
- Belangrijkste kenmerk: Gratis eerste jaar, Apple/Google Pay, contactloos betalen
- Cashback: Niet van toepassing
Compare Bank Accounts in Netherlands
Live offers across tracked providers in Netherlands — updated daily from the Giraffy database.
Live offers
20 live offers compared from 17 providers, from €0. Updated daily.
Revolut Standaard Revolut
€0
- Tutela del deposito: EU DGS — tot €100.000
- Maandelijkse kosten: €0/maand
- Belangrijkste kenmerk: Toegang tot meerdere valuta, gratis kaart, crypto en aandelen.
- Cashback: Niet van toepassing
N26-standaard N26
€0
- Tutela del deposito: EU DGS — tot €100.000
- Maandelijkse kosten: €0/maand
- Belangrijkste kenmerk: Gratis digitale bank, Apple/Google Pay, 3 gratis geldopnames bij geldautomaten per maand
- Cashback: Niet van toepassing
SNS Betaalrekening SNS Bank
€0
- Tutela del deposito: EU DGS — tot €100.000
- Maandelijkse kosten: €0/maand
- Belangrijkste kenmerk: 12 maanden gratis, eenvoudig en ongecompliceerd.
- Cashback: Niet van toepassing
LeasePlan Bank bankrekeningen LeasePlan Bank
€0 /mo
- Tutela del deposito: EU DGS — tot €100.000
- Maandelijkse kosten: Vrij
- Belangrijkste kenmerk: Mobiliteitsbankieren
Nationale Nederlanden Bank Bankrekeningen Nationale Nederlanden Bank
€0 /mo
- Tutela del deposito: EU DGS — tot €100.000
- Maandelijkse kosten: Vrij
- Belangrijkste kenmerk: Verzekeringen + bankieren
N26 Nederlandse bankrekeningen N26 Netherlands
€0 /mo
- Tutela del deposito: EU DGS — tot €100.000
- Maandelijkse kosten: Vrij
- Belangrijkste kenmerk: Digitale bank
NIBC Direct Bankrekeningen NIBC Direct
€0 /mo
- Tutela del deposito: EU DGS — tot €100.000
- Maandelijkse kosten: Vrij
- Belangrijkste kenmerk: Bank gericht op sparen
Revolut Nederland Bankrekeningen Revolut Netherlands
€0 /mo
- Tutela del deposito: EU DGS — tot €100.000
- Maandelijkse kosten: Vrij
- Belangrijkste kenmerk: Digitale bank
bunq Free Bunq Netherlands
€0 /mo
bunq Free: de basis om te starten — tot 3 bankrekeningen en 1 digitale kaart. Beloningen alleen via Wheel of Fortune.
- Tutela del deposito: EU DGS — tot €100.000
- Maandelijkse kosten: Vrij
- Belangrijkste kenmerk: Wheel of Fortune-beloningen
ASN Bank Betaalrekening ASN Bank
€1.50
- Tutela del deposito: EU DGS — tot €100.000
- Maandelijkse kosten: €1,50/maand
- Belangrijkste kenmerk: 100% duurzame investeringen, groene betaalkaart
- Cashback: Niet van toepassing
de Volksbank Bankrekeningen de Volksbank
€2 /mo
- Tutela del deposito: EU DGS — tot €100.000
- Maandelijkse kosten: €2/maand
- Belangrijkste kenmerk: Maatschappelijk verantwoorde bank
ABN AMRO Basis Betaalrekening ABN AMRO
€2.95
- Tutela del deposito: EU DGS — tot €100.000
- Maandelijkse kosten: €2,95/maand
- Belangrijkste kenmerk: Volledige bankservice, iDEAL, 24/7 app
- Cashback: Niet van toepassing
Knab Bankrekeningen Knab
€3 /mo
- Tutela del deposito: EU DGS — tot €100.000
- Maandelijkse kosten: €3 per maand
- Belangrijkste kenmerk: Zelfgestuurd beleggen
Rabobank Betaal Rabobank
€3.50
- Tutela del deposito: EU DGS — tot €100.000
- Maandelijkse kosten: €3,50/maand
- Belangrijkste kenmerk: Rabo App, iDEAL, coöperatieve bank
- Cashback: Niet van toepassing
bunq Core bunq
€3.99
bunq Core: dagelijks bankieren — tot 5 bankrekeningen en 1 fysieke kaart. Beloningen alleen via Wheel of Fortune.
- Tutela del deposito: EU DGS — tot €100.000
- Maandelijkse kosten: €3,99/maand
- Belangrijkste kenmerk: Tot 5 IBANs, fysieke kaart, Wheel of Fortune-beloningen
Triodos Betaalrekening Triodos Bank
€4.50
- Tutela del deposito: EU DGS — tot €100.000
- Maandelijkse kosten: €4,50/maand
- Belangrijkste kenmerk: Ethisch verantwoorde bankfinanciering, uitsluitend voor duurzame projecten.
- Cashback: Niet van toepassing
Knab Betaalrekening Knab
€5
- Tutela del deposito: EU DGS — tot €100.000
- Maandelijkse kosten: €5,00/maand
- Belangrijkste kenmerk: Ingebouwde besparingstools, prijsvergelijkingsfuncties
- Cashback: Niet van toepassing
bunq Pro bunq
€9.99 /mnd
bunq Pro: plan gericht op budgetteren met meer rekeningen en kaarten. Kaarten en reistools horen bij het plan — geen losse Travel Card.
- Maandelijkse kosten: €9,99/maand
- Belangrijkste kenmerk: Budgettools, meer rekeningen/kaarten, Wheel of Fortune-beloningen
bunq Elite bunq
€18.99 /mnd
bunq Elite: internationaal lifestyle-plan met de hoogste limieten voor rekeningen en kaarten. Kaarten en reistools horen bij het plan.
- Maandelijkse kosten: €18,99/maand
- Belangrijkste kenmerk: Hoogste limieten voor internationaal gebruik, Wheel of Fortune-beloningen
What are bank accounts in the Netherlands?
A current account (betaalrekening) is the everyday hub for salary, bills, iDEAL payments and card spending. Every Dutch resident is entitled to a basic payment account, and most people also hold a debit card (usually Maestro or Mastercard debit) linked to it. Accounts range from free app-only offerings to full packages with overdrafts, joint access and premium features.
How the Dutch market works
The Netherlands is heavily cashless: iDEAL dominates online payments and contactless cards are standard in shops. The market is led by ING, Rabobank and ABN AMRO, which together hold most current accounts, but app-first banks bunq and Knab and pan-European players Revolut and N26 have won younger and international customers. Sustainable bank Triodos appeals to ethically minded savers.
Benefits
iDEAL and contactless — Pay online and in-store the way the whole country does.
App-first control — Instant notifications, spending insights and easy card freezing.
Joint and sub-accounts — Manage shared household costs or budget by pot.
International features — Challengers offer low-cost currency exchange for travel and expats.
Deposit safety — Euro balances at a licensed bank are protected up to €100,000 under the guarantee scheme.
How to choose
Weigh the monthly fee against what you use. If you value branches and a full product range, the big three suit you; if you want a slick app and low cost, bunq, Knab, Revolut or N26 compete hard. Expats often prefer providers with fast digital onboarding and English support. Check whether an overdraft, a physical card, or cash withdrawals carry extra charges.
Leading providers in the Netherlands
ING, Rabobank and ABN AMRO are the incumbents with the widest branch and ATM networks. bunq markets itself as "the bank of the free" with flexible sub-accounts, while Knab targets entrepreneurs and savers. Triodos serves sustainability-focused customers, and Revolut and N26 give travellers and internationals multi-currency features. Expats and newcomers often favour the challengers for fast digital onboarding and English-language support, whereas customers who value branches and in-person advice tend to stay with the big three. Weighing branch access against app convenience and cost is usually the deciding factor.
What it costs
Monthly current-account fees in the Netherlands typically range from €0 on basic or app-only tiers to around €5 for feature-rich packages. Premium plans with travel perks or higher limits can cost more. Watch for charges on paper statements, non-euro card use and overdraft interest, which vary widely between the incumbents and challengers. Some challenger banks offer a free base account and reserve fees for premium tiers with travel insurance or higher withdrawal limits, so match the plan to how you actually spend and travel.
Protections and regulation
Banks are supervised by De Nederlandsche Bank (DNB) for solvency and the AFM for conduct. Euro balances at a licensed Dutch bank are protected by the Depositogarantiestelsel (DGS) up to €100,000 per person per bank. PSD2 gives you the right to share account data securely with budgeting and accounting apps and mandates strong customer authentication.
Common questions
Am I entitled to a basic account? Yes — Dutch rules guarantee access to a basic payment account for residents, including those with limited documentation.
Can I switch banks without losing payments? The Overstapservice redirects incoming and outgoing payments for a period while you update your IBAN.
Are challenger banks covered by the DGS? If they hold a Dutch or EU banking licence, yes — check whether your bank operates under its own licence or a partner's, as some passport in from another EU country under that state's scheme.
The cheapest Bank Accounts in Netherlands is €0 from ING.
Bank Accounts in Netherlands — FAQ
What documents do I need to open a bank account in Netherlands?
Typical requirements are a government-issued photo ID (passport or national ID card) and proof of address (utility bill or bank statement dated within 3 months). Some banks in Netherlands also require a proof of income or an employment letter. Digital-only banks often verify identity entirely via an app — no branch visit needed.
Can I open a bank account online without visiting a branch?
Many banks in Netherlands now offer fully digital account opening via their app or website, completed in minutes. You'll upload your ID documents and in some cases do a short video verification. Traditional high-street banks may still require an in-person appointment for certain account types.
Are my deposits protected if a bank fails?
Yes — the Deposit Guarantee Scheme (DGS) protects up to €100,000 per person, per bank. Check that your chosen bank is DNB-regulated before depositing. If you hold more than the limit, spread balances across separate banking licences to keep everything covered.
What is the difference between a current account and a savings account?
A current account is for everyday spending — it comes with a debit card, direct debits, and a local bank identifier (sort code, IBAN, or BSB depending on your market). A savings account is designed to hold money you don't need immediately and usually pays a higher interest rate, but may limit the number of monthly withdrawals.
What is a challenger bank and is it safe?
Challenger banks are digital-first institutions — examples include Monzo, Revolut, and N26 across Europe, Chime and SoFi in the US, and neobanks like STC Pay in the Gulf. They're generally safe — most are DNB-regulated and offer the same deposit protection as traditional banks — but check the specific licence before depositing large sums.
How long does it take to open a bank account?
Digital accounts typically open within 10–30 minutes once your identity is verified. Traditional bank accounts may take 1–5 working days after in-branch verification. International or business accounts sometimes take longer due to enhanced due diligence requirements.
Do bank accounts charge monthly fees?
Giraffy tracks 5 current account options across ING,Revolut,N26,SNS Bank,LeasePlan Bank banks in Netherlands. Many accounts are free; premium or packaged accounts charge a monthly fee and include benefits like travel insurance or breakdown cover. Filter by 'No Monthly Fee' to find free options.