Open a Dutch Bank account

How do you open a business bank account?

Your Dutch company will probably need one or more bank accounts. In a world dominated by compliance rules and low interest rates, it is not always easy to open one. It helps if you know whom to turn to.

We can help! Our process consists of a few simple steps:

  1. CompanyNL will analyze the needs of your company and match it with the most fitting bank.
  2. Next, we arrange an introduction with the right bank.
  3. We assist with filling in paperwork. If needed, we can make a business plan to present to the bank.

We have a network of banks and banking professionals in the Netherlands, most EU countries, Switzerland, the UK, Turkey, the United Arab Emirates, Hong Kong and Singapore. For every company there is tailor-made solution.








Financial District, Amsterdam

What do you need to open a bank account in the Netherlands?

Banks need to feel comfortable with your company as their client. This means they need to see a clear business plan and, if available, results from the past. Also, they will want to know where your suppliers and clients are. Most banks comply to US sanctions and boycots.

Which is the best Dutch bank?

The main international banks in the Netherlands are Rabobank, ING, and ABN Amro. It depends per business which bank is most suitable and most likely to accept your company as a client. Our specialists can guide you in this decision. Apart from the main banks, there are smaller banks, focussing on specific sectors, like BUNQ, ASN, Triodos and Handelsbanken. There are also private banks, and other payment services providers, which can serve as a bank to your company.

Do these banks also provide business loans?

Yes they do. As banks make more money on providing loans than on payment services – even with today’s interest rates – they would be happy to consider your request. Of course, a solid business plan and budget is required. Also note that your best option for payment solutions is not always your best option for business loans. Our banking specialists can guide you.

Can you open a Dutch personal bank account?

Not if you do not live in the Netherlands personally. If you do, we can arrange an appointment for you at your local bank.

Can you open a Dutch bank account online?

Most Dutch banks need to identify your company’s director(s) face-to-face in a meeting in the Netherlands. BUNQ bank and some other online payment services providers do not require this.

But what if I can’t travel? Feel free to get in touch for a tailor-made solution.


Do you actually need a Dutch bank account?

No, it is not a strict legal requirement for a Dutch company to have a Dutch bank account. However, having one is one of the ‘substance’ indications used buy the Dutch Tax Authorities to determine tax residency. This means that companies with a Dutch bank account can have access more easily to Dutch tax benefits and Dutch tax treaties. It is perfectly legal for a Dutch company to maintain bank accounts in whichever country in the world.




Why choose us?

Through years of experience, we know which bank is most likely to accept an application from which type of company. We also know how to deal with more complicated requests, or specific requirements.


Other banking services

The banks we work with can also provide loans and financing for your company. We can analyze which bank to approach and help you get the most beneficial deal.