Traditional banks, online banks, neobanks and cooperatives. Compare fees, savings, mortgages and cards in the Netherlands.
This comparison puts 9 banks in the Netherlands side by side, among them ING Nederland, ABN AMRO, Rabobank, ASN Bank. They belong to different families, branch banks, cooperative banks, online banks, neobanks, and that distinction explains most of the pricing differences: a branch bank charges for the account and the branch network, an online bank rarely charges for the account but sends you to the phone, and a neobank costs almost nothing and almost never lends. The table compares account fees, the debit card, overdraft, savings, mortgages, foreign transaction costs and mobile payment, line by line and without an overall score, because an average hides exactly what matters to you. Dedicated offers are broken out for students, youth, premium and business, because the account that suits a student on no income is rarely the one that suits a business.
Select 2 to 4 banks.
Traditional Banks
Cooperatives
Online Banks
Neobanks
| Criteria | ING Nederland Traditional | ABN AMRO Traditional | bunq Neobank |
|---|---|---|---|
Monthly Fee | See the bank's price list | €4.30/mo (card and online banking included) | See the bank's price list |
Debit Card | Maestro / Visa Debit | Maestro / Visa Debit | Mastercard Debit |
Minimum Balance | None | None | None |
Overdraft (Rood staan) | Overdraft (rate per price list) | Overdraft (rate per price list) | Not available |
Mobile App | Mobile app | Mobile app | Mobile app |
Branches (Kantoren) | Branch network | Branch network | 100% mobile |
Instant Transfer (SEPA / iDEAL) | Free (iDEAL + SEPA Instant) | Free (iDEAL + SEPA Instant) | Free (iDEAL + SEPA Instant) |
Savings (Spaarrekening) | Savings account (rate per ING price list) | Savings account (rate per ABN AMRO price list) | Interest-bearing savings (rate per bunq price list) |
Mortgage (Hypotheek) | Full mortgage, competitive rates | Full mortgage in-branch | Not available |
Investing (Beleggen) | Investing via ING, ETFs, funds | Investing via ABN, ETFs, funds, stocks | Easy Investments (stocks, ETFs) |
Credit Cards | Credit card (fee per price list) | Credit card (fee per price list) | Not available (MC Debit only) |
Apple / Google Pay | Apple Pay + Google Pay | Apple Pay + Google Pay | Apple Pay + Google Pay |
Checks | Not used in the Netherlands | Not used in the Netherlands | Not used in the Netherlands |
Foreign Fees | See the bank's price list | See the bank's price list | See the bank's price list |
Welcome Bonus | – | – | – |
Students, youth, premium and business.
| Bank | Available | Offer | Price | Card | Details |
|---|---|---|---|---|---|
ING Nederland | ING Studentenrekening | Depends on age | Debit | Student account, Tikkie | |
ABN AMRO | ABN AMRO Studenten | Depends on age | Debit | Student account, Tikkie | |
Rabobank | Rabobank studenten | Depends on age | Debit | Student account, Tikkie | |
ASN Bank | ASN Bankrekening | See the bank's price list | Debit | Sustainable bank, now includes SNS and RegioBank | |
Triodos Bank | Triodos Betaalrekening | See the bank's price list | Debit | 100% sustainable bank | |
bunq | bunq | See the bank's price list | MC Debit | Dutch IBAN, multi-currency, sub-accounts | |
N26 Nederland | N26 Standard | See the bank's price list | MC Debit | 100% mobile account, German IBAN | |
Revolut Nederland | Revolut Standard | €0/mo | Visa Debit | Free, multi-currency, crypto, LT IBAN | |
Knab | – | – | – | No specific student rate |
* Most Dutch banks offer a free or discounted account for students.
Our recommendations based on your situation.
Free account, no fees, great for starting out in the Netherlands.
Rabobank: Rabo Free at €0 and €75 on opening, iDEAL and Tikkie. ASN Bank: sustainable bank, welcome bonus up to €100.
Best value with comprehensive services.
ABN AMRO: €4.30/mo with card and online banking, integrated investing, branches. Rabobank: plans from €0 to €6.95/mo, mortgage specialist.
Need in-branch advice and mortgage.
Rabobank: branch network, mortgage specialist, cooperative roots. ING: large network, full mortgage range.
Minimize forex fees and pay everywhere.
Revolut: fee-free exchange within plan limits, multi-currency. bunq: Dutch IBAN, multi-currency, sub-accounts.
Affordable and flexible business account for freelancers.
bunq Business: business account with sub-accounts. Knab Zakelijk: account for freelancers and companies, savings at 1.25% (+0.75% temporary bonus).
Ethical, transparent and sustainable banking.
Triodos: 100% impact, sustainable funds, savings at 1.15% up to €10,000. ASN Bank: sustainable bank that now includes SNS and RegioBank, savings at 1.30%.
For a free account: Rabo Free (€0, €75 bonus). For an all-in branch bank: ABN AMRO (€4.30/month). For travel: Revolut or bunq. For sustainability and savings: ASN Bank (1.30%) or Triodos (1.15%). Whatever you choose, compare the monthly package fee rather than the headline features alone.
iDEAL is the Dutch online payment system, used by 99% of online shops. It allows direct payment from your bank account. All Dutch banks (ING, ABN AMRO, Rabobank, etc.) support it. Foreign neobanks (N26, Revolut) don't always support it natively.
Tikkie is a popular Dutch app for sending payment requests. Developed by ABN AMRO, it works with all Dutch banks via iDEAL. You send a link via WhatsApp and the recipient pays instantly. The request is settled by iDEAL from any Dutch bank, without the sender having to share an IBAN, and the link expires after a few days for security.
Yes, the Dutch Deposit Guarantee Scheme (DGS) protects up to €100,000 per depositor per bank. De Nederlandsche Bank (DNB) supervises this system. ASN Bank (which now includes SNS and RegioBank) and ING are covered. Cover applies per depositor and per banking licence, so two brands belonging to the same licensed institution share a single ceiling, a point savers often overlook.
Traditional banks (ING, ABN AMRO, Rabobank) usually require a BSN (Citizen Service Number). Neobanks like bunq allow opening an account without BSN for the first weeks. You must provide your BSN within 90 days. A BSN is issued when you register with your municipality, which requires proof of address; without one, only European neobanks remain accessible.
Triodos Bank is the global benchmark for ethical banking: 100% of investments are sustainable and transparent. ASN Bank (de Volksbank) also scores very well on sustainability. Rabobank is also committed to sustainable agricultural transition. In return its range is narrower and its pricing slightly higher: Triodos offers neither conventional consumer credit nor a wide ATM network.
A ZZP'er (Zelfstandige Zonder Personeel) is a self-employed person without employees in the Netherlands. A business account is not mandatory for ZZP'ers but strongly recommended to separate personal and business finances. For a BV, a business account is mandatory. A separate account is not legally required, but it simplifies the quarterly VAT return and the justification of business expenses to the Dutch tax office.
The Overstapservice allows you to automatically transfer all direct debits and standing orders to your new bank within 7 days. This service is free and mandatory for all Dutch banks since 2004. The service runs for thirteen months and notifies your creditors automatically, but it does not move standing orders, which have to be set up again by hand.
The Dutch banking market is one of Europe's most concentrated, dominated by three large banks – ING, Rabobank and ABN AMRO. De Volksbank has merged its SNS, RegioBank and ASN brands under the single ASN Bank name. De Nederlandsche Bank (DNB) and the AFM supervise the sector, and the Deposit Guarantee Scheme protects deposits up to €100,000 per depositor per bank.
The Netherlands is among the countries where nearly every adult has a bank account. Current accounts (betaalrekeningen) carry a fee at most banks: €4.30/month at ABN AMRO, €0 to €6.95 at Rabobank. iDEAL is the go-to online payment method and Tikkie handles payment requests between individuals. Savings accounts pay 1% to 1.30% outside temporary offers (ASN, Triodos, Knab).
bunq, the Dutch neobank, offers multi-currency accounts with sub-accounts and a Dutch IBAN. Revolut and N26 operate with a foreign IBAN, which can complicate some direct debits. Knab, an online bank, focuses on savings (1.25% + temporary bonus) and freelancers. Triodos and ASN Bank position themselves as sustainable banks.
The Dutch mortgage market stands out for mortgage interest tax relief (hypotheekrenteaftrek) on amortising loans and for the NHG guarantee, whose ceiling rises to €470,000 in 2026. In August 2026, new loans averaged 3.93% for a 5 to 10-year fixation and 3.38% beyond 10 years (ECB/DNB). On the savings side, accounts pay 0.90% to 1.30% and one-year deposits 2.35% to 2.60%.
For a Dutch resident, ING, Rabobank or ABN AMRO remain the main choices thanks to their integration with iDEAL, Tikkie and Dutch administration. Rabo Free lets you start with no monthly fee. For savings, compare ASN Bank, Triodos and Knab. Expats without a BSN often start with bunq. Use the Overstapservice to switch banks.
* Rates checked in October 2026 on the banks' websites; they may vary. Mortgage rates: ECB/DNB, August 2026. This comparison is for informational purposes only. Deposits protected up to €100,000 (DGS).