All Dutch banks provide a similar range of services to their customers and have established online banking to make life easier. 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 normally do not accept credit cards.

Most banks have a variety of account types. The most easily acquired accounts are savings accounts (Spaarrekening) and 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.

To be eligible for a credit card, you will need a sufficient income. You will pay a yearly fee and possibly an additional monthly fee for the card. Credit cards are not widely used/accepted in the Netherlands. The Dutch tend to use them for purchases such as renting a car and buying over the internet or when travelling abroad.

Whichever bank you choose, it would be wise to obtain a bank card which can be used abroad. The Netherlands is a relatively small country and it is likely that you will travel to at least one neighbouring country during your stay. Look for the Maestro and Cirrus logos on 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 reasonable 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 they belong to (but check with your bank for possible charges). So, for example if you have a Rabobank card you may also use it in a ING pinautomaat at no extra charge. This is called guest use (gastgebruik), however you can only do this once in every 24 hours.