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Student accounts in the Netherlands

What features and fees can you expect with a student account in the Netherlands?

If you’re studying in the Netherlands, you can consider setting up a student bank account to help manage your funds. A number of banks offer this type of account and they come with a range of different features.

This guide will walk you through the perks, fees, and application process typically involved with student accounts in the Netherlands.

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

    Banks that offer student accounts

    Here are some providers that offer student bank accounts in the Netherlands.

    • bunq. bunq’s accounts are popular with college students who spend internationally. These accounts come with worldwide Mastercards, Maestro cards, and competitive exchange rates for international spending.
    • ING Student Account. This savings account offers a credit card, exclusive student discounts, and even free advice on student insurance products.
    • ABN Amro Student Package. The ABN Amro Student Package is more than a current account. It offers a bank account, debit card, internet banking, mobile banking, and tailored insurance for students. Students may choose the Student Credit Card, which insures your purchases for up to 180 days, guarantees delivery for online purchases, and allows contactless payment. International students may opt for International Student Insurance which comes with Home Contents insurance, high-coverage Accident insurance, and Personal Liability insurance that is valid abroad.
    • The Rabo Student Account. Rabobank’s student account features a debit card and is linked to Rabobank’s handy internet banking portal. Do note that internet banking is only available in Dutch.

    While ING, ABN Amro, and Rabobank may be great choices for students who are Netherlands citizens, international students may prefer bunq as it offers customer support in English. It also allows for more favourable international payments when you travel abroad.

    Why do I need a student bank account?

    Student life comes with its fair share of payments. As a student, you might have to pay off your tuition fees, dorm room rent, stationery costs, and living expenses.

    Having a student bank account not only allows you to seamlessly make these payments, but it also helps you enjoy the perks and discounts related to holding this account. For example, some student accounts may come with debit cards offering cashback on spending at bookstores. This is a great way for students to save on their monthly expenditures.

    How much do student accounts cost?

    Student accounts in the Netherlands come with fewer fees than standard current accounts. These accounts tend to have waived monthly fees, unlimited free ATM withdrawals, and no minimum deposits.

    However, you should keep an eye out for more unconventional fees. This includes international spending costs and international ATM withdrawal fees.

    What are the features and benefits of a student bank account?

    Waived ongoing fees

    One of the biggest perks of having a student bank account is that your monthly and annual account fees get waived. This helps you spend and saving without losing a steady stream of money. ABN Amro, for instance, offers a student bank account with no monthly fees.

    Student-specific perks

    These accounts often come with exclusive benefits like discounts at bookstores or free access to certain leisure activities. Rabo bank, for example, offers exclusive discounts on Interpolis student insurance.

    Debit cards

    Student accounts come with linked debit cards for easy spending on-the-go. These cards, typically offered by Visa or Mastercard, do not require credit checks. Whether you’re using a V PAY or Maestro card, you can expect to spend seamlessly on the go via contactless payment features at the cinema, bookstore or with participating restaurants. Do note that providers like ABN Amro further waive your monthly debit card fees.

    Online and mobile banking access

    Students don’t have time to queue at the bank. That’s where online and mobile banking comes in handy. Student accounts in the Netherlands can be accessed via online banking, through your bank’s website. Alternatively, you can manage your account through your bank’s mobile app. This way, you can send and receive money, apply for a new card, or block your existing cards in a few swipes. Providers such as ING, bunq, ABN Amro and Rabobank each offer their own version of internet banking for students.

    Unlimited transactions

    With iDEAL payments, you can make secure bank transfers in seconds. This is a great way for you to pay off school fees or split the bill with friends.

    Overdraft

    An overdraft is especially useful for students spending with a tight budget. Some Netherlands banks, such as Rabobank, offer overdrafts with student bank accounts. The allowed overdraft limit typically ranges from €500 to €1,000.

    Payment requests with Tikkie

    You can link any Dutch student bank account to the Tikkie app for easy payment requests. This helps you request and receive payments in minutes over WhatsApp. Alternatively, you can use a Tikkie QR code to send and receive payments from people who are not on your contacts list. This makes splitting the bill or sharing a gift with friends much more convenient. The app is completely free and makes secure payments through iDEAL, In order to use Tikkie, you will need a Dutch phone number, Dutch bank account and an iPhone (minimum iOS 10.0) or Android device (minimum OS 5.0).

    How do I apply for a student account in the Netherlands?

    Application process

    Most bank accounts in the Netherlands allow you to submit your application online. Simply visit the bank’s website, locate the student account page and complete the online form. You’ll be asked to provide personal details such as your full name, Netherlands address, and name of your educational institute.

    You may be contacted to verify your identity, either via video call or by visiting a physical bank branch.

    Once your application has been approved, you will be notified of your account details. Access your account, enable your online banking features, and start using the account. You will receive your chosen card via the mail in a few business days.

    Documents required

    • EU students. EU students are often asked to provide proof of identity (passport or ID), proof of address, BSN number, and proof of enrollment at an education institute.
    • Non-EU students. You may be required to show your proof of identity, proof of address, resident permit, BSN number, and proof of registration with the Foreign Police. On top of this, just like EU students, you will need to show proof of enrollment at your school.

    Frequently asked questions

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