{
  "schema_version": "1.2",
  "type": "howto_guide",
  "slug": "open-a-bank-account",
  "canonical_url": "https://howtoin.nl/open-a-bank-account",
  "representations": {
    "html": "https://howtoin.nl/open-a-bank-account",
    "json": "https://howtoin.nl/content/guides/open-a-bank-account.json",
    "markdown": "https://howtoin.nl/md/open-a-bank-account.md"
  },
  "title": "How to open a bank account in NL",
  "short_title": "open a bank account",
  "summary": "How to open a Dutch payment account, and when you do not need one: under the SEPA Regulation a firm in the EU/EEA must accept any EU/EEA euro IBAN for transfers and direct debits.",
  "themes": [
    "Money and taxes",
    "Moving"
  ],
  "keywords": [
    "open a bank account netherlands",
    "bankrekening openen nederland",
    "dutch iban",
    "iban discriminatie",
    "sepa iban discrimination",
    "basisbetaalrekening",
    "depositogarantiestelsel",
    "bsn bankrekening openen",
    "employer refuses foreign iban",
    "wwft bank identification"
  ],
  "audience": "Newcomers deciding whether to open a Dutch account, and anyone whose EU IBAN was refused",
  "last_reviewed": "2026-09-01",
  "estimated_time": "Comparing bank requirements and applying takes an evening at most; approval times are set by the bank, and Business.gov.nl puts business account approval at often 2 to 8 weeks",
  "intro": "This guide covers opening a payment account (betaalrekening) with a bank in the Netherlands, and the question that usually comes first: whether you need one at all. Two separate rules govern this. The European SEPA Regulation decides which IBANs a firm has to accept from you. The Money Laundering and Terrorist Financing (Prevention) Act (Wet ter voorkoming van witwassen en financieren van terrorisme, Wwft) decides what a bank asks of you before it opens an account.",
  "before_you_start": "A Dutch IBAN is not generally a legal requirement for salary, direct debits, allowances (toeslagen) or tax refunds. Under the SEPA Regulation, a payer or payee in the EU/EEA must accept euro IBANs from any other EU/EEA country for credit transfers and direct debits, and refusing one is IBAN discrimination. So first establish which category you are in: you already hold a euro payment account in an EU/EEA country, you hold an account only outside the EU/EEA, or you have tried and been refused by Dutch banks. Each leads to a different route below. Banks apply their own customer due diligence under the Wwft, so the documents one bank asks for are not the documents another will ask for.",
  "timing": "Timing varies by bank and by how much checking your file needs. Business.gov.nl states that approval of a Dutch business bank account usually takes between 2 and 8 weeks; personal accounts are generally quicker but no statutory decision period is published. DNB gives no processing time for opening an account, only for its own IBAN discrimination reports, where it tells you within three weeks whether the report will be considered.",
  "authorities": [
    "belastingdienst",
    "business-gov-nl",
    "dnb",
    "rijksoverheid"
  ],
  "sources": [
    {
      "authority_id": "dnb",
      "organisation": "DNB",
      "url": "https://www.dnb.nl/en/payments/how-do-payments-work/sepa-and-iban-discrimination/",
      "label": "SEPA and IBAN discrimination"
    },
    {
      "authority_id": "dnb",
      "organisation": "DNB",
      "url": "https://www.dnb.nl/en/reliable-financial-sector/dutch-deposit-guarantee/up-to-what-amount-is-my-money-protected/",
      "label": "Up to what amount is my money protected?"
    },
    {
      "authority_id": "rijksoverheid",
      "organisation": "Rijksoverheid",
      "url": "https://www.rijksoverheid.nl/vraag-en-antwoord/betalingsverkeer/afwijzing-betaalrekening-consument",
      "label": "What to do if you cannot get a payment account"
    },
    {
      "authority_id": "rijksoverheid",
      "organisation": "Rijksoverheid",
      "url": "https://www.rijksoverheid.nl/vraag-en-antwoord/privacy-en-persoonsgegevens/heb-ik-een-burgerservicenummer-bsn-nodig-om-een-bankrekening-te-openen",
      "label": "Do I need a BSN to open a bank account?"
    },
    {
      "authority_id": "business-gov-nl",
      "organisation": "Business.gov.nl",
      "url": "https://business.gov.nl/coming-to-the-netherlands/living-in-the-netherlands/opening-a-dutch-business-bank-account/",
      "label": "Opening a Dutch business bank account"
    }
  ],
  "steps": [
    {
      "number": 1,
      "id": "step-1",
      "anchor": "#step-1",
      "url": "https://howtoin.nl/open-a-bank-account#step-1",
      "title": "Check whether a Dutch IBAN is actually required",
      "description": "Before opening anything, establish what the law obliges others to accept. The Netherlands is part of the Single Euro Payments Area (SEPA), and under the SEPA Regulation a payer or payee must accept not only a Dutch IBAN for transfers and direct debits, but euro IBANs from all other EU/EEA countries. Refusing one is IBAN discrimination. If you already hold a euro payment account in another EU/EEA country, a Dutch account is a matter of convenience rather than a legal requirement.",
      "action": "Confirm whether the account you already hold is a euro payment account in an EU/EEA country, and if it is, offer that IBAN first.",
      "warning": "People open a Dutch account they do not need because an employer or a landlord said an NL IBAN was compulsory. DNB's own worked example is salary: an employer that refuses your German IBAN because it only pays to IBANs starting 'NL' is committing IBAN discrimination.",
      "source": {
        "authority_id": "dnb",
        "organisation": "DNB",
        "url": "https://www.dnb.nl/en/payments/how-do-payments-work/sepa-and-iban-discrimination/",
        "label": "SEPA and IBAN discrimination"
      }
    },
    {
      "number": 2,
      "id": "step-2",
      "anchor": "#step-2",
      "url": "https://howtoin.nl/open-a-bank-account#step-2",
      "title": "Know where the SEPA protection stops",
      "description": "The ban on IBAN discrimination is narrower than it first looks. DNB lists situations the SEPA Regulation does not cover: card payments and cash withdrawals at ATMs, payment requests sent as a link or QR code, and a savings or investment account where your foreign IBAN would be the contra account. Being in SEPA is also not the same as being in the EU/EEA: DNB notes that 41 European countries take part in SEPA, some of them outside the EU and the EEA. The Regulation does not prescribe how an IBAN must be collected either, so a firm may run an online form that only takes NL IBANs provided it accepts other EU/EEA IBANs through another channel, such as telephone customer service, and states this clearly on the form.",
      "action": "Work out which of your recurring payments fall inside the protection and which do not, so you know where a Dutch account genuinely helps.",
      "warning": "Assuming the ban covers everyday card and online payments. DNB states that the SEPA Regulation and the ban on IBAN discrimination do not cover debit or credit card payments online or in shops, cash withdrawals at ATMs or bank branches, or payment requests sent as a link or QR code. Euro direct debits are covered, so a refusal there is not a practical exception you have to accept.",
      "source": {
        "authority_id": "dnb",
        "organisation": "DNB",
        "url": "https://www.dnb.nl/en/payments/how-do-payments-work/sepa-and-iban-discrimination/",
        "label": "SEPA and IBAN discrimination, examples not covered"
      }
    },
    {
      "number": 3,
      "id": "step-3",
      "anchor": "#step-3",
      "url": "https://howtoin.nl/open-a-bank-account#step-3",
      "title": "Check each bank's own requirements before applying",
      "description": "Banks are legally obliged to prevent money laundering and terrorist financing, and each one makes its own risk assessment under the Wwft, so the documents they ask for differ. Two things do not vary. If you pay tax in the Netherlands you need a BSN to open an account, because the bank has to report your details to the Belastingdienst under it, and it will ask for an identity document showing that BSN. Everything else, including whether a Dutch address or further proof of your situation is needed, is set by the individual bank. Business.gov.nl states plainly that rules differ between banks and that you should check before applying, and that entrepreneurs from outside the EU may need to supply more documents, including a visa or a (provisional) residence permit.",
      "action": "Read the account-opening conditions published by two or three banks and pick one whose requirements you can meet today.",
      "documents": [
        "Valid identity document showing your BSN, or a municipal extract (uittreksel) with your BSN on it",
        "Proof of home address",
        "Residence permit or provisional residence document, which Business.gov.nl says entrepreneurs from outside the EU may need for a business account, and which some banks also ask of private customers"
      ],
      "cost": {
        "text": "Account charges vary and are set by each bank, so no single figure applies"
      },
      "warning": "Repeating a rejected application at the same bank rather than trying another. Rijksoverheid's first suggestion is to try an ordinary payment account at a different bank, because a bank decides for itself who may open an account.",
      "source": {
        "authority_id": "rijksoverheid",
        "organisation": "Rijksoverheid",
        "url": "https://www.rijksoverheid.nl/vraag-en-antwoord/privacy-en-persoonsgegevens/heb-ik-een-burgerservicenummer-bsn-nodig-om-een-bankrekening-te-openen",
        "label": "Do I need a BSN to open a bank account?"
      }
    },
    {
      "number": 4,
      "id": "step-4",
      "anchor": "#step-4",
      "url": "https://howtoin.nl/open-a-bank-account#step-4",
      "title": "Apply and complete the bank's identity check",
      "description": "You submit the application in the bank's own channel and then pass its identity verification. The bank may ask questions about who you are and where your money comes from, because it has to satisfy itself under the Wwft. Rijksoverheid states that it may only reject you on that ground if it considers the risk of the account being misused too great and cannot take adequate measures to prevent it. For a business account, Business.gov.nl lists proof of registration with the KVK and information about ultimate beneficial owners (UBOs) among the documents banks may ask for, alongside a valid identity document and proof of your home address.",
      "action": "Submit the application with your identity document and address evidence, and answer the bank's source-of-funds questions in full.",
      "documents": [
        "Valid identity document",
        "Proof of home address",
        "Proof of registration with the KVK, for a business account",
        "Information about ultimate beneficial owners (UBOs), for a business account"
      ],
      "timing": "Business.gov.nl states that approval of a Dutch business bank account usually takes between 2 and 8 weeks; personal account timings vary by bank",
      "warning": "Giving partial answers about the source of your funds. A bank may only refuse you on money laundering grounds if it considers the risk of misuse too great and cannot take adequate measures, so an incomplete file works against you. It is not the only ground open to the bank, though: Rijksoverheid states that a bank decides for itself who may open an account, and for a business account it may also decline you for commercial reasons.",
      "source": {
        "authority_id": "business-gov-nl",
        "organisation": "Business.gov.nl",
        "url": "https://business.gov.nl/coming-to-the-netherlands/living-in-the-netherlands/opening-a-dutch-business-bank-account/",
        "label": "Opening a Dutch business bank account"
      }
    },
    {
      "number": 5,
      "id": "step-5",
      "anchor": "#step-5",
      "url": "https://howtoin.nl/open-a-bank-account#step-5",
      "title": "If you are refused, apply for a basisbetaalrekening",
      "description": "If you cannot open an ordinary payment account you have a right to a basic payment account (basisbetaalrekening) for your personal banking. Rijksoverheid names ABN AMRO, ING, Rabobank and SNS as the banks you apply to. It does the same payments as an ordinary account, but you cannot go overdrawn, use a credit card or open a savings account. The bank must refuse if it cannot comply with the Wwft, and the law allows it to refuse if you already hold or have applied for an ordinary account at a Dutch bank, already hold a basisbetaalrekening at another Dutch bank, cannot show a genuine interest (werkelijk belang) in an account here such as living, studying or working in the Netherlands, had a basisbetaalrekening that was closed in the past 2 years, or were convicted of a criminal offence in the past 8 years in a judgment that is final. If your account has been closed and you do not meet those conditions, you can apply for an account under the Convenant Basisbankrekening; the bank may require you to do this together with a recognised support organisation, or require that such an organisation manages the account.",
      "action": "Apply for a basisbetaalrekening at one of the four banks named by Rijksoverheid and sign the declaration that you do not already hold one.",
      "documents": [
        "Valid identity document",
        "Evidence that you live, study or work in the Netherlands; ask the bank which documents it accepts, as Rijksoverheid does not specify them",
        "Signed declaration that you do not already hold a basisbetaalrekening at another Dutch bank"
      ],
      "cost": {
        "text": "Charges vary by bank, so no single figure applies"
      },
      "warning": "Applying while an ordinary account application is still open at another Dutch bank. That is one of the grounds on which the bank is allowed to refuse the basisbetaalrekening.",
      "source": {
        "authority_id": "rijksoverheid",
        "organisation": "Rijksoverheid",
        "url": "https://www.rijksoverheid.nl/vraag-en-antwoord/betalingsverkeer/afwijzing-betaalrekening-consument",
        "label": "What to do if you cannot get a payment account"
      }
    },
    {
      "number": 6,
      "id": "step-6",
      "anchor": "#step-6",
      "url": "https://howtoin.nl/open-a-bank-account#step-6",
      "title": "Report your account number to the Belastingdienst",
      "description": "Tax refunds and allowances are paid to an account number you have registered, and the Belastingdienst uses the same account number for your allowances (toeslagen), your income tax and your Zorgverzekeringswet contribution, so you report it once. The procedure set out here is the one the Belastingdienst publishes for a foreign account number; check its own pages for the route that applies if your new account is Dutch. A foreign account number is accepted only for a payment account and not a savings account, and it must be in your own name. As a private individual you send a letter giving your name, address, BSN, the account number, the BIC of your bank, the account holder name as your bank holds it and the country of the bank, with your signature, a copy of valid identification and a recent bank statement. As an entrepreneur you log in to Mijn Belastingdienst Zakelijk with DigiD, European login or eHerkenning instead.",
      "action": "Report your account number once to the Belastingdienst, using the letter route with BIC and supporting documents if the account is not Dutch, or Mijn Belastingdienst Zakelijk if you are an entrepreneur.",
      "documents": [
        "Copy of a valid identity document",
        "A bank statement showing your name and account number, no more than 2 months old",
        "Your BSN and the BIC of your bank, for a foreign account"
      ],
      "timing": "The Belastingdienst sends a confirmation letter within 3 weeks stating that your account number has been processed",
      "warning": "Submitting a savings account number, or a statement older than 2 months. Both are refused, and the Belastingdienst asks you to send the whole request again rather than processing it.",
      "source": {
        "authority_id": "belastingdienst",
        "organisation": "Belastingdienst",
        "url": "https://www.belastingdienst.nl/wps/wcm/connect/nl/betalenenontvangen/content/buitenlands-rekeningnummer-doorgeven-of-wijzigen",
        "label": "Reporting or changing a foreign account number"
      }
    },
    {
      "number": 7,
      "id": "step-7",
      "anchor": "#step-7",
      "url": "https://howtoin.nl/open-a-bank-account#step-7",
      "title": "Report a refused EU/EEA IBAN, and check who guarantees your money",
      "description": "If a firm in the Netherlands rejects your euro IBAN from another EU/EEA country, complain to that firm first: DNB assumes you have done so and will ask for documentary evidence such as emails showing the refusal. You can then report it through DNB's online form, and DNB will tell you within three weeks whether the report will be considered. DNB can impose an order subject to a penalty, or a fine. Separately, check which deposit guarantee protects the account: the Dutch Deposit Guarantee covers money at Dutch banks from 1 cent up to €100,000 per person, per bank (the amount published by DNB at September 2026), while banks from other EU Member States sit in their own country's scheme.",
      "action": "Complain in writing to the firm, keep the correspondence, and if it is not resolved report it through DNB's IBAN discrimination form.",
      "documents": [
        "Emails or other correspondence showing your EU/EEA IBAN was refused"
      ],
      "cost": {
        "text": "DNB publishes no fee for reporting IBAN discrimination"
      },
      "timing": "DNB informs you within 3 weeks whether it will consider your report",
      "warning": "Going to DNB first. Without evidence that you already complained to the firm and were not offered a proper solution, the report is not the right route. For a firm based in another EU/EEA country you complain to that country's supervisory authority instead.",
      "source": {
        "authority_id": "dnb",
        "organisation": "DNB",
        "url": "https://www.dnb.nl/en/payments/how-do-payments-work/sepa-and-iban-discrimination/",
        "label": "Reporting IBAN discrimination"
      }
    }
  ],
  "documents": [
    "A valid identity document (passport or national ID card)",
    "Proof of your home address",
    "Your citizen service number (burgerservicenummer, BSN). If you pay tax in the Netherlands you need a BSN to open a bank account, because your bank has to report your details to the Belastingdienst under your BSN. If your passport or ID card does not show a BSN, ask the municipality (gemeente) for an extract that does.",
    "Your residence permit or provisional residence document. Business.gov.nl states that entrepreneurs from outside the EU may need this for a business account; for a personal account, whether it is required is the individual bank's decision.",
    "Proof of your connection to the Netherlands, such as an employment contract or enrolment, if asked",
    "An extract of your registration with the KVK, for a business account",
    "For a basisbetaalrekening, a signed declaration that you do not already hold one at another Dutch bank"
  ],
  "costs": [
    {
      "text": "Account charges are set by each bank, not by government. There is no official published fee for opening a payment account."
    },
    {
      "text": "DNB publishes no fee for reporting IBAN discrimination through its online form."
    },
    {
      "text": "Complaining to the Financial Services Complaints Board (Klachteninstituut Financiële Dienstverlening, Kifid) is free in most cases, according to Rijksoverheid."
    }
  ],
  "warnings": [
    {
      "kind": "common_mistake",
      "text": "Accepting an employer's statement that payroll can only pay to an NL IBAN. DNB uses precisely this scenario as its example of IBAN discrimination under the SEPA Regulation, and an employer is an institution it can hold accountable."
    },
    {
      "kind": "common_mistake",
      "text": "Reporting IBAN discrimination to DNB without first complaining to the firm. DNB assumes you have already filed a complaint and asks for documentary evidence, such as emails showing the refusal."
    },
    {
      "kind": "common_mistake",
      "text": "Assuming the ban is universal. Card payments, ATM withdrawals, payment requests by link or QR code, and the contra account of a savings or investment account all fall outside it, so a refusal there is not IBAN discrimination."
    },
    {
      "kind": "common_mistake",
      "text": "Treating one bank's document list as the law, or treating the BSN as part of that list. Banks make their own risk assessment under the Wwft, so a Dutch address or extra proof of your situation may be required by one bank and not another. The BSN is different: if you pay tax here you need one to open an account, because the bank reports your details to the Belastingdienst under it."
    },
    {
      "kind": "common_mistake",
      "text": "Reading the deposit guarantee as €100,000 per account. It is €100,000 per person, per bank (the amount published by DNB at September 2026), and balances held under different brand names of the same bank are added together first."
    },
    {
      "kind": "step_warning",
      "step": 1,
      "text": "People open a Dutch account they do not need because an employer or a landlord said an NL IBAN was compulsory. DNB's own worked example is salary: an employer that refuses your German IBAN because it only pays to IBANs starting 'NL' is committing IBAN discrimination."
    },
    {
      "kind": "step_warning",
      "step": 2,
      "text": "Assuming the ban covers everyday card and online payments. DNB states that the SEPA Regulation and the ban on IBAN discrimination do not cover debit or credit card payments online or in shops, cash withdrawals at ATMs or bank branches, or payment requests sent as a link or QR code. Euro direct debits are covered, so a refusal there is not a practical exception you have to accept."
    },
    {
      "kind": "step_warning",
      "step": 3,
      "text": "Repeating a rejected application at the same bank rather than trying another. Rijksoverheid's first suggestion is to try an ordinary payment account at a different bank, because a bank decides for itself who may open an account."
    },
    {
      "kind": "step_warning",
      "step": 4,
      "text": "Giving partial answers about the source of your funds. A bank may only refuse you on money laundering grounds if it considers the risk of misuse too great and cannot take adequate measures, so an incomplete file works against you. It is not the only ground open to the bank, though: Rijksoverheid states that a bank decides for itself who may open an account, and for a business account it may also decline you for commercial reasons."
    },
    {
      "kind": "step_warning",
      "step": 5,
      "text": "Applying while an ordinary account application is still open at another Dutch bank. That is one of the grounds on which the bank is allowed to refuse the basisbetaalrekening."
    },
    {
      "kind": "step_warning",
      "step": 6,
      "text": "Submitting a savings account number, or a statement older than 2 months. Both are refused, and the Belastingdienst asks you to send the whole request again rather than processing it."
    },
    {
      "kind": "step_warning",
      "step": 7,
      "text": "Going to DNB first. Without evidence that you already complained to the firm and were not offered a proper solution, the report is not the right route. For a firm based in another EU/EEA country you complain to that country's supervisory authority instead."
    }
  ],
  "conditions": {
    "title": "Do you actually need a Dutch account?",
    "intro": "The answer depends on where your existing euro account is held, not on where you live.",
    "options": [
      {
        "label": "You already hold a euro payment account in the EU/EEA",
        "detail": "A firm or institution in the EU/EEA may not reject your IBAN because it was issued in another EU/EEA country. De Nederlandsche Bank (DNB) gives salary payment as its own worked example: an employer that will only pay to IBANs starting 'NL' is committing IBAN discrimination and DNB can hold it accountable. A Dutch account is then a convenience, not an obligation. Note the carve-outs: the ban does not cover card payments, cash withdrawals at ATMs, payment requests sent as a link or QR code, or the contra account of a savings or investment account."
      },
      {
        "label": "Your only account is outside the EU/EEA",
        "detail": "The SEPA Regulation protects euro IBANs held in the EU/EEA. Being in SEPA is not enough: DNB notes that 41 European countries take part in SEPA, including some outside the EU and the EEA such as the United Kingdom, so an account there is not covered by the ban on IBAN discrimination and a Dutch employer or supplier can decline it. In practice you will want an account in the EU/EEA, and a Dutch one is the most straightforward if you live and work here. Go through the steps below."
      },
      {
        "label": "Dutch banks have refused you an ordinary account",
        "detail": "Rijksoverheid states that if you cannot open an ordinary payment account you have a right to a basic payment account (basisbetaalrekening) for personal banking, and names ABN AMRO, ING, Rabobank and SNS as the banks where you apply for one. A basisbetaalrekening does the same payments as an ordinary account but you cannot go overdrawn, use a credit card, or open a savings account. The right is conditional: the bank must refuse if it cannot comply with the Wwft, and may refuse if you already hold or have applied for an account elsewhere in the Netherlands, cannot show a genuine interest in an account here, had a basisbetaalrekening closed in the past 2 years, or have a final criminal conviction from the past 8 years. If none of the four banks can take you, the next route is an account under the Convenant Basisbankrekening."
      }
    ]
  },
  "validity": {
    "type": "time_bound_fact_registry",
    "earliest_effective_from": "2026-01-01",
    "earliest_expiry": "2026-12-31",
    "claim_years": [
      2026
    ],
    "review_owner_role": "HowToIn editorial and release owner",
    "facts": [
      {
        "id": "tb-2026-open-a-bank-account-mistakes-4-53",
        "claim_year": 2026,
        "effective_from": "2026-01-01",
        "effective_to": "2026-12-31",
        "consumer": {
          "kind": "guide",
          "guide_slug": "open-a-bank-account",
          "path": "mistakes[4]"
        },
        "sources": [
          {
            "organisation": "Business.gov.nl",
            "url": "https://business.gov.nl/coming-to-the-netherlands/living-in-the-netherlands/opening-a-dutch-business-bank-account/",
            "label": "Opening a Dutch business bank account"
          },
          {
            "organisation": "DNB",
            "url": "https://www.dnb.nl/en/payments/how-do-payments-work/sepa-and-iban-discrimination/",
            "label": "SEPA and IBAN discrimination"
          },
          {
            "organisation": "DNB",
            "url": "https://www.dnb.nl/en/reliable-financial-sector/dutch-deposit-guarantee/up-to-what-amount-is-my-money-protected/",
            "label": "Up to what amount is my money protected?"
          },
          {
            "organisation": "Rijksoverheid",
            "url": "https://www.rijksoverheid.nl/vraag-en-antwoord/betalingsverkeer/afwijzing-betaalrekening-consument",
            "label": "What to do if you cannot get a payment account"
          },
          {
            "organisation": "Rijksoverheid",
            "url": "https://www.rijksoverheid.nl/vraag-en-antwoord/privacy-en-persoonsgegevens/heb-ik-een-burgerservicenummer-bsn-nodig-om-een-bankrekening-te-openen",
            "label": "Do I need a BSN to open a bank account?"
          }
        ]
      },
      {
        "id": "tb-2026-open-a-bank-account-step-7-description-96",
        "claim_year": 2026,
        "effective_from": "2026-01-01",
        "effective_to": "2026-12-31",
        "consumer": {
          "kind": "guide_step",
          "guide_slug": "open-a-bank-account",
          "step_order": 7,
          "path": "description"
        },
        "sources": [
          {
            "organisation": "DNB",
            "url": "https://www.dnb.nl/en/payments/how-do-payments-work/sepa-and-iban-discrimination/",
            "label": "Reporting IBAN discrimination"
          }
        ]
      }
    ]
  },
  "next_steps": [
    "Give your IBAN to your employer, and report it once to the Belastingdienst: the same account number is used for your allowances (toeslagen), your income tax and your Zorgverzekeringswet contribution.",
    "Apply for DigiD if you do not have it; it needs a BSN and registration with a Dutch municipality, not a bank account.",
    "Ask your bank which deposit guarantee scheme covers your money, since banks from other EU Member States sit in their own country's scheme.",
    "Check whether you qualify for zorgtoeslag or huurtoeslag now that you have an account to receive them."
  ],
  "related_guides": [
    "get-a-bsn",
    "register-at-municipality",
    "apply-for-zorgtoeslag",
    "get-health-insurance"
  ],
  "publisher": {
    "name": "How to in NL",
    "url": "https://howtoin.nl",
    "relationship": "publisher",
    "parent": {
      "name": "Flux Forward",
      "url": "https://fluxforward.world"
    }
  }
}