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What do you need to open a bank account?
Thomas Vles
27 Jul 2025
6 minute read
You are about to take one of the most important steps to truly take control of your financial affairs. Perhaps you want to separate your private and business payments, or you've just started a new venture. In any case, having your own bank account offers clarity, convenience, and security.
In this article, you will discover exactly which documents and information are essential when you want to open a bank account. Whether you are of legal age, living as an expat in the Netherlands, want to open a joint account, or are looking to quickly start with an innovative solution like GoDutch, here you can read what is involved so that you can bank carefree in the future.
Required details for a bank account
Before you can open a bank account, it is useful to be well-prepared. After all, you want to move swiftly and smoothly through the application process. Most banks and financial institutions in the Netherlands require a number of standard details that you need to be able to provide. These include a valid form of identification, your Dutch Citizen Service Number (BSN), and proof of address. Below, you will read exactly what these documents entail and what you need to pay attention to.
A valid form of identification
In the Netherlands, it is mandatory to identify yourself when opening a bank account. A valid form of identification can for example be your Dutch passport, identity card, driving license, or residence permit. The bank uses this information to verify your identity and to check whether you meet the legal requirements.
A Dutch Citizen Service Number (BSN)
Your BSN is used in the Netherlands for various financial and administrative processes. Therefore, it is important that you can provide your BSN when opening a bank account. You can find this number on your passport, driving license, or identity card. The bank needs your BSN to comply with legal obligations and to register you as the account holder.
Proof of address
Proof of address is a document that shows where you live. This could be a recent bill from your energy or internet provider, a rental or purchase contract, or a municipal registration. Some banks also accept digital versions, as long as your name and address are clearly stated. Make sure your proof of address is current, so there is no doubt about the validity of the information.
Not yet 18 years old?
Opening a Dutch bank account as an expat
Have you just moved to the Netherlands or are you temporarily working from abroad in the Netherlands? Then opening a bank account is a logical next step to manage your financial affairs properly.
As an expat, you generally need the same documents as any other applicant: a valid identity document, a BSN (if you are already registered with the municipality), and proof of address. If you do not yet have a BSN because you have just arrived, check with the municipality about the registration procedure first. Often, you can only open a bank account after you are officially registered.
Additionally, some banks may ask for a residence permit or other proof that shows you are legally residing in the Netherlands. When choosing a bank, it's wise to pay attention to the services for expats. Some banks, for instance, offer English-speaking customer service, while others provide additional support to help you navigate the Dutch financial system. Make sure you have all your documents in order so you can apply for and use your new account quickly and without complications.
Open a joint account
Do you want to open an account together with someone else, for example, your partner, a family member, or a good friend? This can be useful for managing shared expenses and keeping track of costs for things like groceries, rent, or subscriptions. The procedure is similar to opening an individual account, but there are a few extra steps to consider. Both account holders will need to provide their information and identify themselves to the bank. You will also both sign the agreement together.
If you already have an account with a particular bank, it is often possible to convert it into a joint account. In that case, you only need to add the details of your co-account holder and ensure that you both meet the identity verification requirements.
If you are starting with a completely new bank, you will go through the application process together. This includes providing a valid form of identification, a National Insurance number, and proof of address for all new account holders. Once the bank has approved your application, you can immediately benefit from the convenience that a joint account offers.
Open a business account
If you are starting your own business or have been operating for some time, a business account is essential to keep your financial administration neatly separated from your personal expenses. In the Netherlands, this process usually begins with registration at the Chamber of Commerce (KvK). Once you have your KvK number, you can apply for a business current account at most banks or with innovative providers. Additionally, you will also need a valid identification document, a Citizen Service Number (BSN), and proof of address. This shows who you are and where you are based so the bank can verify your identity and business details.
During the application processes, many banks ask for details about your business and the nature of your business activities. You often need to indicate who is authorised to sign and make payments. This way, banks ensure that the business account is used correctly and that all official documents are in order.
Once you have opened your account, you can send invoices and receive payments in your business's name. This creates clarity in your finances and prevents ambiguities between personal and business expenses, which ultimately brings more peace and professionalism for you and your business.
Open an account with GoDutch
Choose GoDutch and benefit from a quick and easy application process for a free business account. You will also need a valid ID, your BSN, and proof of address with GoDutch. Then, you take the steps within the user-friendly GoDutch app or online environment to activate your account. This way, the entire procedure is clear, and you can start quickly.
GoDutch distinguishes itself by offering an all-in-one platform. You benefit from handy automations, such as automatically reading invoices, verifying payment details, and integration with various accounting software. This can save you up to 50–70% of your administrative tasks, giving you more time for your business.
Additionally, you gain access to various payment cards, a local IBAN, and easily manageable accounts. With GoDutch, you can manage all your (business) finances in one clear platform, while benefiting from a competitive rate and personal advice.
