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The best banks in the Netherlands 2026
Thomas Vles
12 Jan 2026
6 minute read
As an entrepreneur searching for the best bank in the Netherlands, you quickly notice that the options are vast. Everyone has a different opinion on what a bank entails. Each bank has its own rates, conditions, and extras, making comparison time-consuming. You want a bank that fits your way of working and keeps your daily payments simple and affordable.
For some entrepreneurs, personal contact is crucial, whereas for others, low monthly costs, digital options, or international payments are important. That’s why we have compiled a clear overview of the main banks in the Netherlands, including their key features and costs.
Top 10 banks in the Netherlands
The differences between banks mainly lie in monthly costs, transaction fees and costs for payments or withdrawals outside Europe. Below you will find a compact overview of the ten best-known banks in the Netherlands, so you can quickly see what to expect from each bank.
1. Rabobank
Rabobank is a large and stable bank with a wide range of services for entrepreneurs. Opening a current account is free, but you pay €4.85 per month. Payments within SEPA are free of charge, while payments in foreign currencies incur an exchange rate surcharge of 1.4%. Withdrawals within EEA countries cost €0.75 per withdrawal, and outside EEA €3.50 per transaction plus a 1.4% exchange rate surcharge. The core issue is that Rabobank has relatively higher fixed costs and withdrawal fees.
2. ABN AMRO
ABN AMRO focuses on everyday financial matters with attention to innovation and sustainability. The monthly costs are €3.70 and within SEPA you pay nothing per transaction. Outside SEPA, you pay €0.15 per payment plus a 1.2% exchange rate surcharge. Withdrawals outside the EEA cost €2.25 per transaction plus a 1.2% currency fee. The cost structure is slightly more complex due to fixed amounts per payment.
3. SNS Bank
SNS Bank is known for simplicity and clarity. Opening a current account is free and the monthly costs are €3.45. Payments within SEPA are free of charge, while payments and withdrawals outside Europe cost 1.4%, plus €3.50 per withdrawal. The core issue is that SNS is slightly cheaper per month than other Volksbank labels.
4. ING
ING is an international bank with strong digital solutions. The monthly costs are €3.45 and SEPA payments are free. For payments outside SEPA, there is an exchange rate surcharge of 1.4%. Withdrawals outside Europe cost €3.50 per withdrawal, with an additional surcharge of 1.4% for foreign currencies. ING is competitively priced per month, but international use can quickly become more expensive.
5. Triodos Bank
Triodos Bank focuses entirely on sustainability. Opening a current account is free, but monthly costs range from €3.50 to €5.00 depending on your age. Within SEPA you pay nothing, outside SEPA there is a 1% currency fee. Withdrawals outside the EEA cost €2.25 per transaction plus a 1% exchange rate surcharge. Especially for younger entrepreneurs, Triodos is relatively advantageous.
6. ASN Bank
ASN Bank combines payments with a sustainable vision. The monthly costs are €3.65 and SEPA payments are free. Outside Europe, you pay a 1.4% exchange rate surcharge and €3.50 per withdrawal. ASN has fixed and transparent rates that are comparable to RegioBank.
7. RegioBank
RegioBank is known for personal contact through local advisors. The monthly costs are €3.65 and within SEPA you pay nothing per transaction. Outside Europe, withdrawing money costs €3.50 each time plus 1.4% on the withdrawn amount. The core issue is low fixed costs, but higher international rates.
8. Bunq
Bunq is a fully digital bank with no fixed monthly costs. In contrast, transaction costs are €2.99 per payment within SEPA. Outside SEPA, an exchange rate surcharge of 0.5% and €2.99 per transaction applies. Bunq is attractive without fixed expenses, but active use can quickly accumulate costs.
9. KNAB
KNAB primarily targets self-employed individuals. Opening a current account is free, but the monthly costs are higher than average at €6.00. Payments within SEPA are free of charge, and outside SEPA there is a 1% exchange rate surcharge without fixed costs per transaction. The core issue is clarity and simplicity at a higher fixed price.
10. DHB Bank
DHB Bank is primarily a savings bank and does not offer payment functionality. There are no monthly costs, but payments and withdrawals are not possible. This bank is therefore not suitable for everyday business payments.
Costs of the top 10 banks in the Netherlands
GoDutch as a modern alternative to a bank
If you want to manage your finances as an entrepreneur more quickly and smartly, GoDutch is a modern alternative. Here you will find everything you need to open an account. GoDutch is not a bank, but an all-in-one business account that combines payment, collaboration, and automating administration into one app.
You can open an account in just a few minutes and receive an IBAN and GoDutch card within three hours. You can make instant SEPA payments, set up direct debits, and international payments to over 160 countries, while keeping track easily through the GoDutch app.
Additionally, you earn rewards on your spending with card payments, easily create extra payment cards for your team, and seamlessly integrate with your accounting software. This way, you save time, maintain control, and manage all your business payments in a modern way.
Choose GoDutch today
If you want to manage your finances more wisely, quickly, and clearly, then GoDutch is the right choice. With one user-friendly app, you can handle payments, collaborate with your team, and automate your administration. You will quickly have an IBAN and a GoDutch card, send instant SEPA payments with a sustainable account, and easily create additional payment cards for colleagues or partners.
GoDutch not only helps you save time with a cheap business account, but also helps you get more out of your expenses. You earn rewards on card payments, keep real-time insights into expenditures, and effortlessly connect with your accounting software. This way, you maintain control, work more efficiently, and focus on what really matters: growing your business.
