The best bank in the Netherlands 2026

The differences between the best banks in the Netherlands mainly lie in monthly fees, transaction costs, and fees for payments or cash 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 you can expect per bank.

1. RegioBank

RegioBank is known for personal contact via local advisors. The monthly costs amount to €3.65 and within SEPA, you pay nothing per transaction. Outside Europe, withdrawing cash costs €3.50 per time plus 1.4% on the withdrawn amount. The core is low fixed costs, but higher international rates.

The Consumers' Association (an independent organization that advocates for the interests of consumers) has asked bank customers for their opinions on Dutch banks. RegioBank was voted the best bank in the Netherlands. The bank scored no less than 9.7 on overall satisfaction in the panel survey by the Consumers' Association on the best banks in the Netherlands among 12,000 consumers.

Did you know that you can open a business account at RegioBank within 3-7 working days? This is relatively quick, but did you also know that you have an active account with GoDutch within 3 hours? Check here all the differences between RegioBank and GoDutch. 

Update: RegioBank will become ASN Bank as of 1 December 2025.

2. 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 1.4% exchange rate surcharge and €3.50 per withdrawal. ASN applies fixed and transparent rates that are comparable to RegioBank.

ASN Bank combines banking with a sustainable vision but has fixed monthly costs. Those who want to combine sustainability with lower expenses quickly look at comparing ASN Bank with GoDutch.

3. Triodos Bank

Triodos Bank focuses entirely on sustainability. Opening a current account is free, but the monthly costs range from €3.50 to €5.00 depending on your age. Within SEPA, you pay nothing, while outside SEPA, a 1% currency fee applies. Withdrawing cash outside the EEA costs €2.25 per transaction plus a 1% exchange rate surcharge. Especially for younger entrepreneurs, Triodos is relatively advantageous.

Triodos Bank is popular among conscious entrepreneurs, but the monthly costs increase as you get older. With Triodos Bank or GoDutch, you can see the difference with a free alternative without age-dependent rates.

4. KNAB

KNAB primarily targets freelancers (ZZP’ers). Opening a current account is free, but the monthly costs are €6.00, higher than average. Paying within SEPA is free, while outside SEPA, a 1% exchange rate surcharge applies without fixed costs per transaction. The core is clarity and simplicity at a higher fixed price.

KNAB focuses on freelancers and offers a transparent account, although the monthly costs are higher than average. Many self-employed people therefore compare KNAB vs GoDutch to save on fixed costs.

5. Bunq

Bunq is a fully digital bank without fixed monthly fees. In contrast, there are transaction costs of €2.99 per payment within SEPA. Outside SEPA, a 0.5% exchange rate surcharge applies, along with €2.99 per transaction. Bunq is appealing without fixed expenses, but active use can quickly pile up costs.

Bunq is completely digital and flexible, but with many transactions, costs can add up quickly. Comparing Bunq with GoDutch makes it clear how unlimited payments can play out.

6. 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, a 1.4% exchange rate surcharge applies. Withdrawing cash outside Europe costs €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.

ING has strong digital solutions, but international payments come with extra costs. Entrepreneurs who work across borders often look at ING vs GoDutch.

7. ABN AMRO

ABN AMRO focuses on daily 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. Withdrawing cash outside the EEA costs €2.25 per transaction plus 1.2% currency costs. The cost structure is slightly more complex due to fixed amounts per payment.

ABN AMRO offers extensive banking services, but the costs outside SEPA are relatively complex. With ABN AMRO vs GoDutch, you gain insight into a simpler cost model.

8. Rabobank

Rabobank is a large and stable bank with a wide range of offerings for entrepreneurs. Opening a current account is free, but you pay €4.85 per month. Paying within SEPA is free, while payments in foreign currencies come with a 1.4% exchange rate surcharge. Withdrawing cash within EEA countries costs €0.75 per withdrawal, and outside the EEA, €3.50 per transaction plus a 1.4% exchange rate surcharge. The core is that Rabobank has relatively higher fixed costs and withdrawal fees.

Rabobank is a stable and well-known bank but has higher monthly and withdrawal costs. More and more entrepreneurs compare Rabobank with GoDutch to reduce fixed expenses.

9. SNS Bank

SNS Bank is known for simplicity and clarity. Opening a current account is free and the monthly costs are €3.45. Paying within SEPA is free, while payments and withdrawals outside Europe cost 1.4%, plus €3.50 per withdrawal. The core is that SNS is slightly cheaper per month than other Volksbank labels.

Update: SNS has become ASN Bank as of 1 July 2025. Therefore, we no longer included the results of SNS.

10. DHB Bank

DHB Bank is primarily a savings bank and does not offer payment functionality. There are no monthly fees, but payments and cash withdrawals are not possible. This bank is therefore not suitable for daily business payments.