Dutch banks, by province
Dutch banking is concentrated and highly digital: a small number of large banks, one of the most cashless retail cultures in Europe, and a deposit guarantee paid out within seven working days. This directory covers every province with local rules, deposit protection and how to open an account.
How Dutch banking works
The Netherlands runs on a small number of large banks, a domestic instant-payment network that most consumer transactions now use, and a deposit guarantee scheme administered by De Nederlandsche Bank that pays out within seven working days. The practical pivot of Dutch financial life is the BSN, the citizen service number issued on municipal registration — without it, payroll and most direct debits simply will not work.
The key insight. The province is irrelevant to deposit protection. Cover is per banking licence, so two accounts at the same bank in two different provinces share one 100,000 EUR limit. And a Dutch-branded bank that is legally a branch of a foreign EEA bank is covered by that home country’s scheme, at that country’s limit.
National banks
ING
Bank
Largest Dutch retail bank. Strong digital platform, operates across Europe.
Rabobank
Bank
Cooperative bank with strong agricultural focus. Largest lender to Dutch farmers.
ABN AMRO
Bank
Major Dutch bank with retail, private and corporate banking divisions.
de Volksbank
Bank
Parent of SNS Bank, ASN Bank and RegioBank. Focus on sustainable banking.
Triodos Bank
Bank
Sustainable and ethical bank. Only lends to organisations with positive social impact.
Digital alternatives
Bunq
Bank
Dutch mobile-only bank. Multi-currency accounts, strong expat focus.
N26
Bank
German-licensed digital bank operating in the Netherlands.
Revolut
Bank
UK-licensed fintech with multi-currency accounts. Not a full Dutch bank.
Knab
Bank
Online-only bank from Aegon. Focus on freelancers and entrepreneurs.
Moneyou
Bank
Digital subsidiary of ABN AMRO. Online savings and payments.
Browse banks by province
Select a province to see local banks, account opening requirements and regional banking practices.
Common questions
Do I need a Dutch address to open a bank account?
Most Dutch banks require proof of address dated within the last three months. A small number of banks offer non-resident accounts, but this is less common than in some other countries.
How much of my money is protected?
The DGS protects up to €100,000 per person, per institution. This is per bank, not per account.
What ID do I need?
A valid passport or national identity card. EU citizens can use their national ID card. Some banks also require a Dutch tax number (numéro fiscal).
Can I hold accounts in two provinces for extra protection?
No — the province is irrelevant. Protection is per banking licence, not per branch or per province. Two accounts at the same bank in two different provinces share one 100,000 EUR limit.