Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Bank fees in the Netherlands

Learn more about bank fees in the Netherlands and what they mean.

You can get charged a range of fees for banking in the Netherlands. Monthly fees, quarterly fees, fees for withdrawing money overseas and costs for making transfers are some of the fees you need to look out for. In this guide, we’ll outline the main banking fees you can be charged in the Netherlands so you know what to look out for.

An overview of bank fees in the Netherlands

AATM withdrawals

While ATM withdrawals tend to be free within the Netherlands and the SEPA region, they can be costly overseas.

  • Local. Most Netherlands banks allow for free ATM withdrawals as long as you withdraw cash from a supported ATM group. On the other hand, some accounts allow for a limited number of free ATM withdrawals each month.
  • Within the EU. ATM withdrawals within the SEPA region tend to be free.
  • Overseas. Overseas ATM withdrawals can really add up, with fees averaging 2% per transaction. If you withdraw cash frequently overseas, check out banks that offer a limited number of free overseas ATM withdrawals.
    BBank transfer fees

    • Local and SEPA transfers. Similar to ATM withdrawals, most Netherlands banks conduct real-time transfers for free within the Netherlands and SEPA region. For example, one common method is using iDEAL transfer for quick and convenient payments.
    • International transfers. International transfers may be charged a percentage-based fee, alongside other currency conversion costs. This will vary from bank to bank.
    CCard and account-closure costs

    • Card-related fees. Regardless of whether you choose a debit or credit card, you may be charged fees for card delivery and card replacement. On top of this, credit cards in the Netherlands are subject to interest rates that typically fall between 12 – 14% per annum.
    • Closure fee. While it’s free to open a bank account, closing an account before a stipulated deadline could cost you. This fee is more commonly incurred with international bank providers in the Netherlands, which can charge anywhere between €3 and €20 for early account closure (typically when accounts are closed within six months of being opened).
      DDirect debits and deposit costs

      • Direct debit fees. Direct debits are often free of charge in the Netherlands unless you’re debiting from a specialised bank account that explicitly charges a debit fee.
      • Cash deposit fees. Certain banks only offer a limited number of free deposits each year. Beyond this number, you may be charged approximately €6 for each subsequent deposit.
      FForeign currency bank fees

      • Currency conversion fee. This fee will apply when you spend in foreign currency. It may be charged when you transact outside of the SEPA region, even if you spend in Euros. This fee is partially charged by Mastercard or Visa in the case of debit or credit cards.
      IInvestment-related fees

      • Trading securities costs. Plenty of banks in the Netherlands offer trading or securities accounts alongside their standard current accounts. The associated trading costs include transaction fees, forex fees and withdrawal costs.
      LLate payment charges

      • Late payment fee. When you make a late payment on credit card balances, owed overdraft or loan repayments, you will be charged a fee by your bank.
      MMonthly costs

      • Monthly payment. Most Netherlands bank accounts come with monthly payment fees. This applies to credit and debit cards as well. Do note that such fees are often waived for students. Providers in the Netherlands offering accounts with monthly fee payments include ING, Rabobank, and ABN Amro. A small handful of providers may charge quarterly or annual account fees instead.
      OOverdraft costs

      • Overdraft and interest. Bank accounts that allow for overdraft allow you to spend beyond your account balance. You’ll then have to pay a fee on top of the amount you owe. This percentage-based cost differs across banks. Do note that overdraft tends to be more popular in physical bank branches than online-only banks.
      PPayment alert charges

      • SMS payment alert fees. Banks such as ABN Amro offer SMS payment alerts for €0.20 per transaction. This cost is free if you opt to receive alerts by email and completely waived for children under the age of 18.
      RReplacement fees

      • Emergency card replacement fees. Besides standard card replacement fees, emergency card replacement offers a quicker service for a relatively higher price. This cost will be higher for emergency overseas card replacements.
      SStatement and service bank fees

      • Physical bank statements. Banks in the Netherlands offer digital account statements that you can access monthly via online or mobile banking. However, if you prefer having a physical bank statement, you can request one at a small monthly cost.
      • Staff-assisted transactions. Requesting for in-person transactions, such as over-the-counter trades, could be more expensive than if you were doing it online.
      TTelephone banking fees

      • Charges for telephone banking. Unlike internet banking, telephone banking is not a free service. This service comes with either a percentage or fixed charge depending on your bank. Do note that telephone banking is not the same as mobile banking! Mobile banking refers to managing your accounts from an app on your phone, while telephone banking involves calling your bank to request transactions or investment trades.
      WIncoming wire transfer fees

      • International wire transfers. Incoming wire transfers may be charged €5 to €9 per transfer depending on your bank. This excludes the subsequent currency conversion costs if you do not own a multicurrency account.

      Do note that the list above is not exhaustive and aims to provide an overview of the range of fee types.

      How to choose a bank account in the Netherlands

      Besides bank fees, there is a range of other factors you should consider when comparing bank accounts in the Netherlands. Here are a few to get you started:

      • Features. Does the account offer features that you’d find useful?
      • Security. How safe do you feel using your account? Are there security features in place like two-factor authentication or SMS PIN codes?
      • Customer service. How is the bank’s customer service? Do you find their responses helpful?
      • Accessibility. Some people prefer digital banking because of its convenience, while others prefer bank accounts from physical banks due to in-person accessibility. Which option appeals to you the most?

      Frequently asked questions

      Compare bank accounts in the Netherlands

      1 - 9 of 9
      Name Product Mobile View Digital Banks EN Monthly fee Card delivery Mobile payments Supported currencies
      Wirex Standard
      • Monthly fee

        € 0

      • Card delivery

        Up to 4 business days

      • Mobile payments

      • Supported currencies

        12

      € 0
      Up to 4 business days
      Apple Pay, Google Pay

      12

      Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

      Benefit from an array of digital payment features, including a free prepaid Wirex card and unlimited fee-free transfers at interbank rates - with zero monthly subscription fee.
      N26 Bank Account
      • Monthly fee

        € 0

      • Card delivery

        Up to 10 working days

      • Mobile payments

      • Supported currencies

        1

      € 0
      Up to 10 working days
      Apple Pay, Google Pay

      1

      Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
      Wise Multicurrency Account
      Wise Multicurrency Account
      • Monthly fee

        € 0

      • Card delivery

        Up to 14 working days

      • Mobile payments

      • Supported currencies

        17

      € 0
      Up to 14 working days
      Apple Pay, Google Pay

      17

      Wise (formerly TransferWise) is an international account for over 50 currencies, with instant, super-cheap money transfer, a card to spend in any currency, bank details to get paid in 30 different countries and multi-currency direct debits.
      Revolut Standard
      • Monthly fee

        € 0

      • Card delivery

        Up to 9 working days

      • Mobile payments

      • Supported currencies

        20

      € 0
      Up to 9 working days
      Apple Pay, Google Pay

      20

      Enjoy no monthly fee, no currency conversion fees up to € 1,000 per month and the ability to hold up to 16 currencies in your account.
      Openbank Open Payment Account
      • Monthly fee

        € 0

      • Card delivery

        N/A

      • Mobile payments

      • Supported currencies

        1

      € 0
      N/A
      Apple Pay, Google Pay

      1

      An open payment account with € 0 fees and free domestic and EU transfers. Includes a free debit card with travel benefits.
      Nuri
      • Monthly fee

        € 0

      • Card delivery

        Up to 14 days

      • Mobile payments

      • Supported currencies

        1

      € 0
      Up to 14 days
      Apple Pay, Google Pay, Samsung Pay

      1

      Invest in cryptocurrencies and enjoy up to 5% interest per year on Bitcoin deposits with this digital bank account
      VIALET Current Account
      • Monthly fee

        € 0

      • Card delivery

        Up to 7 working days

      • Mobile payments

      • Supported currencies

        1

      € 0
      Up to 7 working days
      Apple Pay, Google Pay

      1

      An IBAN account you can use to manage your money and spend in over 200 countries worldwide, fee-free.
      Vivid Standard
      • Monthly fee

        € 0

      • Card delivery

        4-5 days

      • Mobile payments

      • Supported currencies

        1

      € 0
      4-5 days
      Apple Pay, Google Pay

      1

      A free bank account with fee-free payments and transfers globally. Enjoy up to 10% cashback per month.
      Monese Starter
      • Monthly fee

        € 0

      • Card delivery

        Up to 3 working days

      • Mobile payments

      • Supported currencies

        2

      € 0
      Up to 3 working days
      Apple Pay, Google Pay

      2

      A dual currency account with no foreign currency fees up to N/A. Features include budgeting tools and multilingual support.
      loading

      Compare up to 4 providers

      1 - 17 of 17
      Name Product Mobile View Digital Banks EN Monthly fee Card delivery Mobile payments Supported currencies
      Wirex Premium
      • Monthly fee

        € 9.99

      • Card delivery

        Up to 4 business days

      • Mobile payments

      • Supported currencies

        12

      € 9.99
      Up to 4 business days
      Apple Pay, Google Pay

      12

      Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

      Enjoy revolutionary digital payment features on-the-go, plus exclusive merchant deals and higher rewards when you spend on your Wirex card.
      bunq Easy Money Personal
      • Monthly fee

        € 8.99

      • Card delivery

        Up to 10 working days

      • Mobile payments

      • Supported currencies

        19

      € 8.99
      Up to 10 working days
      Apple Pay, Google Pay, Fitbit Pay, iDEAL

      19

      A card linked to up to 25 individual IBAN accounts. Earn interest on all money in your account and benefit from competitive rates and fees.
      N26 Metal
      • Monthly fee

        € 16.90

      • Card delivery

        Up to 10 working days

      • Mobile payments

      • Supported currencies

        1

      € 16.90
      Up to 10 working days
      Apple Pay, Google Pay

      1

      Receive a stainless steel Metal card available in 3 shades, an insurance package, exclusive offers, and great rates and fees.
      bunq Easy Bank Personal
      • Monthly fee

        € 2.99

      • Card delivery

        Up to 10 working days

      • Mobile payments

      • Supported currencies

        19

      € 2.99
      Up to 10 working days
      Apple Pay, Google Pay, Fitbit Pay, iDEAL

      19

      Benefit from zero FX fees, bill splitting facility, and a wide range of advance payment features with this low-cost digital account.
      Revolut Plus
      • Monthly fee

        € 2.99

      • Card delivery

        Up to 9 working days

      • Mobile payments

      • Supported currencies

        20

      € 2.99
      Up to 9 working days
      Apple Pay, Google Pay

      20

      A Revolut Plus account gives you the security of all your online purchases with the purchase guarantee, interest on your savings, and many more extras for just a small amount per month
      N26 You
      • Monthly fee

        € 9.90

      • Card delivery

        Up to 10 working days

      • Mobile payments

      • Supported currencies

        1

      € 9.90
      Up to 10 working days
      Apple Pay, Google Pay

      1

      A smart IBAN account with no currency conversion fees, complimentary insurances and no ATM fees here or abroad.
      Revolut Premium
      • Monthly fee

        € 7.99

      • Card delivery

        Up to 3 working days

      • Mobile payments

      • Supported currencies

        20

      € 7.99
      Up to 3 working days
      Apple Pay, Google Pay

      20

      A combined current account and IBAN account with unlimited free currency conversions and international transfers in 30 currencies.
      Wirex Elite
      • Monthly fee

        € 29.99

      • Card delivery

        Up to 4 business days

      • Mobile payments

      • Supported currencies

        12

      € 29.99
      Up to 4 business days
      Apple Pay, Google Pay

      12

      Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

      Access supercharged rewards and curated merchant offers in addition to standard Wirex digital payment features and travel card.
      bunq Easy Green Personal
      • Monthly fee

        € 17.99

      • Card delivery

        Up to 10 working days

      • Mobile payments

      • Supported currencies

        19

      € 17.99
      Up to 10 working days
      Apple Pay, Google Pay, Fitbit Pay, iDEAL

      19

      An account with an exclusive stainless steel card. Help the environment – a tree will be planted for every € 100 you spend.
      N26 Smart
      • Monthly fee

        € 4.95

      • Card delivery

        Up to 10 working days

      • Mobile payments

      • Supported currencies

        1

      € 4.95
      Up to 10 working days
      Apple Pay, Google Pay

      1

      A mid-tier, premium subscription plan that comes with a range of essential money management features to help you better manage your finances.
      Revolut Metal
      • Monthly fee

        € 13.99

      • Card delivery

        Up to 3 working days

      • Mobile payments

      • Supported currencies

        20

      € 13.99
      Up to 3 working days
      Apple Pay, Google Pay

      20

      A premium account with an exclusive Metal card featuring insurances, cashback, concierge service, cryptocurrencies and more.
      VIABUY Online Account
      • Monthly fee

        € 1.66

      • Card delivery

        Within 24 hours

      • Mobile payments

      • Supported currencies

        1

      € 1.66
      Within 24 hours
      Apple Pay, Google Pay

      1

      A secure, prepaid card that lets you spend worldwide. No credit checks and receive your card within 24 hours.
      Triodos Internet Payment Account
      Triodos Internet Payment Account
      • Monthly fee

        € 5

      • Card delivery

        N/A

      • Mobile payments

        • Supported currencies

          1

        € 5
        N/A
        iDEAL

        1

        A Triodos internet payment account is an online and mobile banking services for those who want to change the world for the better.
        Monese Premium
        • Monthly fee

          € 14.95

        • Card delivery

          Up to 3 working days

        • Mobile payments

        • Supported currencies

          2

        € 14.95
        Up to 3 working days
        Apple Pay, Google Pay

        2

        A premium card with no fee for international payments, no foreign currency fees and unlimited ATM withdrawals at home and abroad.
        Vivid Premium
        • Monthly fee

          € 9.90

        • Card delivery

          4-5 days

        • Mobile payments

        • Supported currencies

          1

        € 9.90
        4-5 days
        Apple Pay, Google Pay

        1

        A premium bank account with maximised cashback rewards on everyday spending online and in store, including up to 100€ cashback per month.
        Monese Classic
        • Monthly fee

          € 5.95

        • Card delivery

          Up to 3 working days

        • Mobile payments

        • Supported currencies

          2

        € 5.95
        Up to 3 working days
        Apple Pay, Google Pay

        2

        A dual currency card designed for travellers with no foreign currency fees up to Unlimited and foreign transfers in 8 currencies.
        Knab Plus
        Knab Plus
        • Monthly fee

          € 5

        • Card delivery

          3 to 5 working days

        • Mobile payments

        • Supported currencies

          1

        € 5
        3 to 5 working days
        Apple Pay

        1

        Get your complete banking package via the app for only € 5 a month and enjoy multiple (saving) accounts and even a free credit card if you wish.
        loading

        Compare up to 4 providers

        1 - 1 of 1
        Name Product Mobile View Digital Banks EN Monthly fee Card delivery Mobile payments Supported currencies
        Openbank Я42 Debitcard
        • Monthly fee

          € 7.99

        • Card delivery

          N/A

        • Mobile payments

        • Supported currencies

          1

        € 7.99
        N/A
        Apple Pay, Google Pay

        1

        With the Openbank Я42 debit card you can easily spend money worldwide. In addition, for only € 7.99 you can travel stress-free thanks to the flexible travel card plan, which also immediately insures you.
        loading

        Compare up to 4 providers

        Disclaimer: The products listed on this page are not representative of the whole market.

        More guides on Finder

        Go to site