Why you need a Dutch IBAN
The Dutch government only pays zorgtoeslag, tax refunds, and other allowances to Dutch bank accounts (NL... IBAN). A foreign account is not accepted.
bunq — best for expats without a fixed address
bunq is a Dutch neobank that accepts non-residents and issues a genuine NL IBAN. You can open an account in 10 minutes with just your passport and BSN.
Open in 10 minutes from your phone
Gives you a real NL IBAN immediately
Works without a Dutch address (great for RNI registrations)
Monthly fee: ~3.99-9.99 euros
Revolut NL — free and instant
Revolut NL (the Dutch entity) also issues NL IBANs and is free for basic use.
Free basic account
NL IBAN issued instantly
Works without a Dutch address
Accepted for zorgtoeslag payments
ING, Rabobank, ABN AMRO — traditional banks
Traditional Dutch banks require a fixed Dutch address and appointment. Slower but full banking services.
Recommendation for new expats
Open bunq or Revolut NL immediately after getting your BSN — you need the NL IBAN to apply for zorgtoeslag. You can always add a traditional bank account later.