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If you’re looking to up your financial game, there are plenty of digital banks in the Netherlands ripe for the picking.
Digital banking has changed the financial landscape, offering all kinds of convenient and innovative features — but choosing the best bank for you can be difficult.
READ MORE | Banking in the Netherlands: the complete guide
We’ve tried and tested plenty of these banks, considering features such as global accessibility, money transfers, investment options, and savings accounts.
Here are the top digital banks in the Netherlands. 👇
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With services in English, an easy sign-up process, and sustainable banking options, bunq is arguably one of the most popular digital banks in the Netherlands.
We particularly liked having up to 25 accounts with separate Dutch IBANs, scheduling direct debits, and the Autosave feature, which rounds up payments into savings.
With a generous 3% interest rate and a range of powerful investment features, Trade Republic is also a stellar option for internationals who want to dip a toe in the world of stocks, ETFs, and crypto.
However, let op: Trade Republic doesn’t offer traditional banking services like making card payments or providing loans.
Revolut is another digital bank in the Netherlands that offers easy international transactions, free ATM withdrawals, and the best investment opportunities of any digital bank in the country.
Whilst the bank has a slightly higher monthly fee than its competitors, its multi-currency accounts and overall flexibility made up for it.
In addition to giving you access to soaring interest rates at banks across Europe, Raisin also offers you the freedom to shop around for banks that best suit your needs — with no registration required.
The only downside? Raisin only focuses on savings, so you won’t find any traditional banking services or investing opportunities here.
N26 is jam-packed with convenient features, like an intuitive mobile app for on-the-go banking, affordable monthly fees, and access to all these features from across the globe.
Making an international money transfer is a breeze without hidden costs or extra fees — handy if you have family or businesses abroad.
Security should be a top priority for any digital bank in the Netherlands.
READ MORE | Best banking apps for internationals in the Netherlands
Consider digital banks with a strong track record of protecting customer data, using advanced security measures, and monitoring fraud to ensure your money and personal information are protected from any threats.
Transaction fees can significantly change your overall banking cost.
If you’re concerned about hidden costs and fees, consider digital banks in the Netherlands, which have transparent fee structures and low to no fees for common transactions like ATM withdrawals and bank transfers.
Global accessibility is another important factor when choosing a digital bank in the Netherlands, especially if you travel frequently.
READ MORE | How inclusive and accessible are Dutch banks? The ultimate guide
If you want to bank worldwide, choose a digital bank that allows you to access your accounts from anywhere and partners with international ATMs for each cash withdrawal.
If you need to send or receive money internationally, consider a digital bank that supports international transfers with low fees and competitive exchange rates.
READ MORE | Money transfers in the Netherlands: the easy (and cheap!) guide
Some digital banks in the Netherlands specialise in international transfers and offer faster, more affordable transfer options than traditional banks.
Similar to global accessibility and international money transfers, you may want a bank that offers access to multiple currencies.
A digital bank in the Netherlands that allows you to hold multiple currencies can help you avoid costly transfer and withdrawal fees, especially if you travel often.
Having access to all-day customer support is a plus, whether it’s a problem with transactions, security, or withdrawals.
To reach customer support easily, look for a bank that provides round-the-clock support through different channels.
If you’re looking to save money for emergencies, retirement, or a rainy Dutch day, consider a digital bank with high interest rates on savings accounts.
Digital banks in the Netherlands offer different rates for fixed-rate and flexible savings accounts depending on your needs.
Ultimately, picking a digital bank in the Netherlands isn’t difficult if you know your needs and priorities. Now, get ready to open a bank account and make sure your finances are healthier than ever!
Do you have any tips for digital banking in the Netherlands? Tell us in the comments below!
You may also be interested in:
What is the best digital bank in the Netherlands?
Picking the best bank in the Netherlands can be a daunting task, but it depends on what you want from your digital bank.
Each one has different pros and cons, so consider which factors are important for you and pick accordingly.
We recommend bunq as the all-around digital bank in the Netherlands, as it has a combination of the most affordable monthly fees, savings account interest rates, banking services, and access to innovative features.
Do I need a BSN to open an account at a digital bank in the Netherlands?
It depends on the bank! For a traditional bank like ING, you need a BSN (burgerservicenummer or citizen service number).
However, you can also open a Dutch bank account without a BSN with bunq, Revolut, and N26.
Which digital bank in the Netherlands has the best interest rate on savings accounts?
Trade Republic currently offers 2% interest on deposit savings accounts. Raisin also offers access to banks with high-yield savings accounts across Europe.
Dutch digital bank bunq also offers 2.01% interest on savings accounts.
Can I bank in English in the Netherlands?
Yes, most digital (and traditional) banks in the Netherlands offer their services, customer support, and apps in English, which means you can still bank without worrying about the language barrier. Although we certainly encourage learning Dutch anyway!
