All Dutch banks provide a similar range of services to their customers and have introduced online banking services. Unlike in some countries, cheques are not commonly used in the Netherlands. Cash machines (ATMs) are widespread. Credit/debit cards are not accepted everywhere. Dutch supermarkets generally do not accept credit cards.

Most banks offer a variety of account types. The most easily acquired accounts are:

  • savings accounts (Spaarrekening)
  • current accounts (Betaalrekening)

Current (checking) accounts (Betaalrekening) come with a debit card which enables you to withdraw money from ATMs and to pay in shops and restaurants. 

Credit cards
In order to qualify for a credit card, you will require sufficient income. You will pay an annual fee and possibly an additional monthly fee for the card. The Dutch tend to use credit cards for purposes such as renting a car and buying on the internet or when travelling abroad. Whichever bank you choose, it is recommendable to obtain a bank card which can be used abroad. Look for the Maestro and Cirrus logos on bank cards, as these networks allow you to withdraw money in most countries. Withdrawing money in other EU countries is free of charge.

ATMs are called geldautomaten or pinautomaten in Dutch. Every reasonably sized town in the Netherlands has a few ATMs, and larger cities have many. It is possible to use any bank card in most ATMs in the Netherlands, regardless which bank issued the card. For example,  if you have a Rabobank card you may also use it in an ING pinautomaat at no extra charge. This is called guest use (gastgebruik), you can only do this once  a day.

Lost or stolen (credit) cards
All lost or stolen bank and credit cards should be reported to the police as soon as possible. In the event of loss or theft, it is also advisable to contact your bank to have your card blocked.

Rabobank    088-7226767 (from abroad +31 887226767)
ABN-AMRO   0900-0024 (from abroad +31 102411720)
ING    020-2288800 (from abroad +31 202288800)
American Express    020-5048000 (from abroad +31 205048000)