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Nuri review for the Netherlands

Manage daily expenses, invest in crypto and earn interest on Bitcoin with Nuri in the Netherlands.

Digital banks are more popular than ever in the Netherlands because of the convenient features they offer, like mobile transfers, customisable notifications and other helpful banking tools. Nuri (formerly Bitwala) goes a step further by offering access to cryptocurrency and even allowing users to earn up to 5% interest on Bitcoin. In this guide, we break down the features Nuri offers to help you decide if it’s the right digital bank for you in the Netherlands.

€ 0

Monthly fee

€ 0

ATM fee for Euro withdrawals

0%

Currency conversion fee

Details

Product NameNuri
Monthly fee€ 0
Card deliveryUp to 14 days
Supported currenciesEUR
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Important update for Nuri Bitcoin Interest Account

Withdrawals from Nuri’s Bitcoin Interest Account have been temporarily paused due to Nuri’s partner, Celsius, halting withdrawals. The pause only affects the Nuri Bitcoin Interest Account — other Nuri products like the bank account, Visa debit card, Bitcoin and Ether investments and crypto wallets are not affected. Until it receives an update from Celcius, Nuri has also temporarily paused the investment feature for its Bitcoin revenue account. Refer to Nuri’s official announcement on these changes for more information.

Pros and cons

Pros

  • Fee-free banking. Enjoy zero transaction fees on transfers and ATM withdrawals.
  • Crypto tools. Invest in crypto or earn interest on your Bitcoin in a few swipes.
  • Customer support. Contact customer service either through the app or via email.

Cons

  • No multicurrency support. You can only make transfers in Euros.
  • Limited banking features. Compared to other digital banks, the app does not have traditional budgeting and savings features.

How does Nuri work?

Nuri (formerly Bitwala) is a German digital bank that is available to users from all over the European Economic Union — the Netherlands included. The digital bank champions “new reality banking”, where it goes beyond traditional mobile banking features to offer cryptocurrency tools. When you sign up for Nuri, you’ll get access to a full-feature digital bank account for spending and investing.

Nuri accounts are fee-free and support German IBAN, SEPA transfers and payments abroad. You’ll also receive a Visa debit card that gives you access to fee-free ATM transfers. Nuri also has cryptocurrency features, allowing users to invest in cryptocurrency on the go. If you open a Bitcoin Interest Account, you earn up to 5% interest on your Bitcoin on a weekly basis.

You can manage your Nuri account through the app which is accessible via your phone or the web.

Key features

You stand to enjoy a number of features with Nuri in the Netherlands, including:

  • Fully digital banking. The account-opening process is completely virtual, and you can manage your finances from the comfort of your mobile phone.
  • Easy online payments. Nuri’s accounts are equipped with a German IBAN, SEPA transfer capabilities and other international payment features.
  • Free debit card. You’ll receive a free Visa debit card with your account, which you can use for unlimited free ATM withdrawals.
  • Security. Manage your account through the mobile app, including locking or unlocking your debit card if you encounter security issues.
  • Personalised notifications. You can customise Nuri notifications to stay on top of your recent transactions or cryptocurrency prices.
  • Bitcoin Interest Account. This feature allows Nuri’s users to earn up to 5% interest on their Bitcoin, which is paid out on a weekly basis.
  • Cryptocurrency savings plan. Nuri automatically invests in cryptocurrency according to a schedule you choose.
  • Portfolio charts. Track your cryptocurrency investments at a glance with Nuri’s portfolio charts.
  • Wallets and Vaults. When you invest in cryptocurrency, you can choose beginner (Nuri-held keys) or advanced (user-held keys) cryptocurrency wallets.
  • Tax remedies. Nuri’s partner, CryptoTax, offers ready-to-submit crypto tax reports, making it easier for users to deal with taxes.
  • Education tools. Explore a range of education tools, from blog posts to guides, to learn more about investing and managing your money.

What are the account options?

Nuri offers one digital banking account that comes with online banking tools, a debit card, and crypto investment capabilities. If you’re interested in Nuri’s Bitcoin Interest Account, all you have to do is open your Nuri app, select “Wealth” and click “Open Bitcoin Interest Account”.

The Nuri digital bank account is a great choice for those in the Netherlands who are interested in cryptocurrency investments and want to seamlessly invest in crypto through a fiat bank account. You should go a step further to enable the Bitcoin Interest Account if you’d like to shoulder some additional risk in exchange for passively earning interest on your Bitcoin investments.

Payment options with Nuri

With a Nuri account, you can make payment using IBAN, SEPA transfer or other international transfers.

Fees and limits

There are a few fees and limits that come with a Nuri digital bank account in the Netherlands. These include:

  • Crypto trading fee. A 1% trading fee, plus network fees, apply for buying and selling cryptocurrency.
  • Minimums for Bitcoin Interest Account. A minimum of €10 in Bitcoin is needed for opening a Bitcoin Interest Account.
  • Minimums for 24/7 crypto investing. Round-the-clock crypto investing is available from €30.

Verdict

Nuri is a great option to consider for those in the Netherlands who want convenient banking tools but also have an interest in cryptocurrency investments. It offers essential tools you’d expect from a digital bank, like SEPA transfers and a fee-free debit card. But it also goes beyond this to make it very convenient for users to fund their cryptocurrency investments. Users can toggle back and forth between their investments and savings to get a good picture of their financial accounts. The Bitcoin Interest Account, in particular, is a unique tool that could appeal to Bitcoin investors looking for a passive income.

How to sign up

Opening an account with Nuri is a quick and easy process.

To open an account, you must be a resident of the European Economic Area or Switzerland, as well as above the age of 18.

If you qualify for an account, you can sign up by first downloading the app or visiting their website. Begin the account registration process and fill in your personal details. After accepting Nuri’s terms and conditions, you’ll need to verify your identity with IDnow via a video call. The verification process requires you to have an accepted passport or identity card and a printed copy of your proof of address on hand.

The overall account-opening process typically takes less than 24 hours.

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