Opening a Dutch bank account
Foreign students only need a Dutch bank account when they do not have a SEPA account in another EU country.
If you do not already have a SEPA-account in any EU-country, we strongly recommend opening an account as soon as possible upon arrival to facilitate money withdrawals, debit payments, the refund of a possible visa deposit and/or (international) transactions. Please explore all options to find the best fit for you.
Dutch banks generally require a BSN (social security number, issued upon registration with your local municipality) to open an account and each may have various additional requirements on having an address or proof of university registration. The biggest ones are:
The municipal registration and issue of the BSN may take a while, depending on the time of the year and the city you live in. Between August and December, the Maastricht registration may take between 4 and 6 weeks.
An alternative may be an online bank, as they do not always require a BSN to open an account. You may want to check out:
Please note that when you are not yet 18 years of age, opening an account without your parents present is more difficult. Please consult the banks on their requirements for that.