--- title: Opening a Personal Bank Account in the Netherlands (Foreigners) country: netherlands service: "bank-account" category: finance difficulty: moderate estimated_time: 5 minutes app signup at bunq or Knab; up to 5 working days for Triodos card delivery cost_range: "€0-18.99 per month depending on bank and plan tier; debit card free at bunq and Knab" last_verified: 2026-05-07 canonical: https://publicservices.guide/netherlands/bank-account/ status: current confidence: low tags: - banking - finance - bsn - iban - foreigner - "first-month" sources: - https://www.government.nl/topics/personal-data/citizen-service-number-bsn - https://www.bunq.com/plans - https://www.bunq.com/blog/opening-a-bank-account-as-an-expat-what-you-need-to-know - https://www.bunq.com/blog/open-a-bank-account-in-just-5-minutes - https://www.knab.nl/particulier/betalen/bankrekening-openen/priverekening - https://www.knab.nl/tarieven - https://www.knab.nl/acceptatiecriteria-particulier - https://www.knab.nl/wat-is-knab/depositogarantie - https://www.triodos.nl/betaalrekening - https://www.triodos.nl/downloads/kenmerken-betaalrekening?id=62a549fa92d0 - https://www.triodos.nl/downloads/informatiedocument-vergoedingen-betaalrekening?id=1c5f1621483d - https://www.triodos.nl/downloads/voorwaarden-betalen?id=54ab029a1e93 --- # Opening a Personal Bank Account in the Netherlands (Foreigners) **Country:** 🇳🇱 Netherlands **Last verified:** 2026-05-07 **Estimated time:** 5 minutes app signup at bunq or Knab; up to 5 working days for Triodos card delivery **Cost:** €0-18.99 per month depending on bank and plan tier; debit card free at bunq and Knab ## Required documents - **Valid passport or EEA national identity card** *(paspoort of identiteitskaart)* - Where to get: Issued by your home-country passport or ID-card authority - Required: Original document, unexpired; ID-card must be issued by a country inside the European Economic Area for the EEA-passport path - _Note:_ bunq accepts a valid passport or EU/EEA ID. Knab's acceptatiecriteria-particulier accepts an EEA passport or ID-card, OR a Dutch indefinite-residence permit plus home-country passport, OR a Dutch residence permit (minimum 5 years) plus passport. Triodos accepts a paspoort, identiteitskaart, or verblijfsvergunning verbatim, and explicitly does not accept a driving licence (rijbewijs). - **Burgerservicenummer (BSN)** *(BSN)* - Where to get: Issued by the gemeente when you register in the Personal Records Database (BRP) on arrival, or at an RNI-loket municipality if you stay under four months - Required: Required at intake by Knab and Triodos. bunq grants up to 90 days after signup to supply it. - _Note:_ Knab's acceptatiecriteria-particulier states verbatim 'Je bent minimaal 18 jaar en hebt een burgerservicenummer (BSN)'. bunq states verbatim 'You don't need a tax ID or proof of residence straight away. We give you up to 90 days to get that sorted'. Triodos does not list BSN on the public productpagina but requires Dutch banking onboarding, which requests BSN at customer-due-diligence intake under Wet ter voorkoming van witwassen en financieren van terrorisme (Wwft) and CRS reporting obligations. - **Dutch residential address** - Where to get: Address registered at your gemeente in the BRP. PO boxes and temporary addresses are not accepted by Knab; bunq accepts any EU or EEA address. - Required: Knab and Triodos require residency in the Netherlands. bunq accepts an address in the EU or EEA. - _Note:_ Triodos states verbatim 'Je kunt geen rekening in Nederland openen als je in het buitenland woont'. Knab's acceptatiecriteria require a residential address ('Adres moet een woonadres zijn') and exclude the Caribbean Netherlands ('overzeese gebiedsdelen'). - **Smartphone with the bank's app** - Where to get: iOS App Store or Google Play. Each bank publishes its own app: bunq, Knab App, or Triodos Bankieren NL. - Required: Required for all three banks — onboarding and identity verification run in the app - _Note:_ bunq and Triodos run end-to-end onboarding inside the app. Knab presents product information and tariffs on knab.nl but routes the actual signup through the Knab App. - **Email address and Dutch mobile number** - Where to get: Personal email; Dutch SIM from KPN, Vodafone, Odido, or another local provider - Required: Email is required by all three banks; a Dutch mobile number is the practical default for SMS OTP and DigiD-style flows - _Note:_ Bank communications, dispute notices, and statements route to email; OTPs and app-confirmation prompts route to the registered mobile number. - **Tax-residence declaration** - Where to get: Self-declared in the app during onboarding - Required: All three banks ask the customer to declare tax residence under FATCA and CRS - _Note:_ Knab's acceptatiecriteria-particulier excludes US tax residents from the Privérekening path. bunq and Triodos handle FATCA reporting per the standard Dutch banking framework. ## Costs - **bunq Free — monthly plan fee:** 0 EUR — Verbatim from bunq.com/plans: bunq Free is €0 per month. - **bunq Core — monthly plan fee:** 3.99 EUR — Verbatim from bunq.com/plans: bunq Core is €3.99 per month. - **bunq Pro — monthly plan fee:** 9.99 EUR — Verbatim from bunq.com/plans: bunq Pro is €9.99 per month. - **bunq Elite — monthly plan fee:** 18.99 EUR — Verbatim from bunq.com/plans: bunq Elite is €18.99 per month. Plan tier is chosen at signup and can be changed later in-app. - **Knab Privérekening — monthly fee (single holder):** 6 EUR — Verbatim from knab.nl/tarieven: '€6 per maand'. A temporary 12-month-free promotion ('Kortingsactie: Tijdelijk 12 maanden gratis') applies to new accounts at last access. - **Knab Gezamenlijke rekening — monthly fee (joint, two holders):** 7 EUR — Verbatim from knab.nl/tarieven: '€7 per maand'. Same temporary 12-month-free promotion applies. - **Knab Privérekening — debit card and replacement:** 0 EUR — Verbatim from knab.nl/tarieven: betaalpas and vervangende betaalpas are 'Gratis'. ATM withdrawals inside the Eurolanden are also free. - **Knab — payment or cash withdrawal outside the Eurolanden:** 1.4 EUR — Verbatim from knab.nl/tarieven: 'Mastercard wisselkoers + 1,4% koersopslag in euro'. The 1.4 figure is a percentage surcharge applied to the converted EUR amount. - **Knab — outgoing transfer outside the EEA:** 15 EUR — Verbatim from knab.nl/tarieven: '€15 + een koersopslag van 0,1% (indien overgeboekt naar landen buiten EER)'. EEA-internal transfers in EUR settle through SEPA at no additional charge. - **Knab — incoming transfer from outside the EEA:** 10 EUR — Verbatim from knab.nl/tarieven: '€10' for inkomende overboeking from non-EEA countries. - **Triodos Internet Betaalrekening — monthly fee (single holder, age 18-22):** 0 EUR — Verbatim from Informatiedocument vergoedingen Betaalrekening (mei 2026): €0,00 per maand for one-person accounts aged 18 to 22 inclusive. - **Triodos Internet Betaalrekening — monthly fee (single holder, age 23-25):** 3.5 EUR — Verbatim from Informatiedocument vergoedingen Betaalrekening: €3,50 per maand (€42,00 per jaar) for one-person accounts aged 23 to 25 inclusive. - **Triodos Internet Betaalrekening — monthly fee (single holder, age 26+):** 5 EUR — Verbatim from Informatiedocument vergoedingen Betaalrekening: €5,00 per maand (€60,00 per jaar) for one-person accounts from age 26 onwards. - **Triodos Internet Betaalrekening — monthly fee (en/of joint account, all ages):** 8 EUR — Verbatim from Informatiedocument vergoedingen Betaalrekening: €8,00 per maand (€96,00 per jaar) for an en/of-rekening regardless of age. - **Triodos — replacement debit card (vervangende betaalpas):** 6 EUR — Verbatim from Informatiedocument vergoedingen Betaalrekening. An extra betaalpas voor gemachtigde costs €4,00 per maand. - **Triodos — paper account statement:** 2.2 EUR — Verbatim from Informatiedocument vergoedingen Betaalrekening: €2,20 per afschrift. Digital statements via Internet Bankieren are included with the account. ## Steps ### 1. Decide which bank fits your timing and language situation - If you are arriving in the Netherlands and need a Dutch IBAN before BRP or RNI registration is complete, bunq is the only path here that grants a 90-day grace period to supply your BSN. - If you have already received a BSN from your gemeente or RNI-loket, all three banks are open to you. - If you do not read or speak Dutch comfortably, plan around the language-of-service factor — Knab and Triodos communicate with customers in Dutch only, while bunq is English-friendly. - If supervisory protection by the Nederlandse Depositogarantie matters to you, note that Triodos sits under the Dutch scheme while Knab now sits under the Austrian deposit-guarantee scheme since the BAWAG merger completed on 29 November 2025. > **Tip:** Pick the bank that matches your situation today — bunq for English customer-facing communication and a 90-day BSN grace, Knab for a Dutch-language online bank with a structured fee table, Triodos for a sustainability-focused option among Dutch-language banks. You can always open a second account later. > **If this fails:** If your top concern is fee-only comparison, bunq Free is €0 per month and the Triodos 18-22 tier is also €0 per month but only for that age band. ### 2. Open a bunq account in the app _Applies when: If you picked bunq_ - Download the bunq app from the iOS App Store or Google Play. - Choose a plan — bunq Free at €0 per month, bunq Core at €3.99, bunq Pro at €9.99, or bunq Elite at €18.99. Plan choice does not gate eligibility. - Fill in your personal details — name, address in the EU or EEA, email, phone. - Select an identification document — a valid passport or an EU/EEA national identity card. - Photograph both sides of the chosen ID document in-app, in a well-lit room. - Record a short video as instructed on the screen to confirm identity. - Submit. bunq states the signup target verbatim as 'in just 5 minutes' and 'Create IBANs for all your needs in seconds' on approval. - Use the account immediately — virtual card available in-app, physical bunq card delivered if ordered. Supply your BSN within 90 days of opening to satisfy bunq's verbatim 'up to 90 days' grace. > **Tip:** bunq is NL-headquartered with an EU banking licence granted in September 2014. The app supports NL, DE, FR, ES, and IE IBANs — choose an NL IBAN if Dutch employer payroll or zorgtoeslag will route into this account. > **If this fails:** Identity verification can fail on document quality — a low-light photo or blurry video is the most common cause. Retry in better lighting. If the application is flagged for AML review, the marketing 'in seconds' IBAN target slips and bunq does not publish a guaranteed SLA for the review-flagged path. _Links:_ - [bunq — Plans and monthly fees](https://www.bunq.com/plans) - [bunq — Opening a bank account as an expat](https://www.bunq.com/blog/opening-a-bank-account-as-an-expat-what-you-need-to-know) ### 3. Open a Knab Privérekening through the Knab App _Applies when: If you picked Knab_ - Confirm eligibility against knab.nl/acceptatiecriteria-particulier — you must be 18 or older, hold a BSN, reside in the Netherlands (the Caribbean Netherlands is excluded), present an EEA passport or ID-card OR a Dutch residence permit plus your home-country passport, declare a residential address (no PO box, no temporary address), and not be a US tax resident. - Download the Knab App from the iOS App Store or Google Play. - Fill in your personal details in-app ('Vul je gegevens in'). - Scan your passport or identity document ('Scan je paspoort of identiteitsbewijs') from inside the Knab App. - Submit. Knab states verbatim 'Je opent je rekening in vijf minuten via de Knab App'. - Receive the decision. Verbatim from knab.nl: if your details are complete the account is opened immediately and confirmed by email; if extra checks are needed Knab responds within five working days. - Receive the Privérekening and IBAN in-app on approval. The debit card and replacement card are gratis per knab.nl/tarieven; ATM withdrawals inside the Eurolanden are free; payments and cash withdrawals outside the Eurolanden carry a 1.4 percent koersopslag on top of the Mastercard exchange rate. - Use the account through the Knab App and the web portal at knab.nl. Apple Pay and Google Pay are supported. Knab's primary identity is 'dé bank voor zzp'ers' (the bank for freelancers); the Privérekening is the parallel retail offering. > **Tip:** The Privérekening landing page foregrounds 'In 5 minuten online geregeld' but the BSN-upfront gate is set out separately on the acceptatiecriteria page. Confirm BSN is in hand before starting — there is no grace period at Knab. > **If this fails:** If you do not yet hold a BSN, Knab's eligibility gate stops the application at intake. Either complete BRP or RNI registration with your gemeente first, or open a bunq account in the meantime under bunq's 90-day BSN grace. _Links:_ - [Knab — Privérekening product page](https://www.knab.nl/particulier/betalen/bankrekening-openen/priverekening) - [Knab — Tarieven](https://www.knab.nl/tarieven) - [Knab — Acceptatiecriteria particulier](https://www.knab.nl/acceptatiecriteria-particulier) - [Knab — Depositogarantie en BAWAG](https://www.knab.nl/wat-is-knab/depositogarantie) ### 4. Open a Triodos Internet Betaalrekening through the Triodos Bankieren NL app _Applies when: If you picked Triodos_ - Download the Triodos Bankieren NL app from the iOS App Store or Google Play. - Open the app and start the application. Choose the account type — Internet Betaalrekening for ages 18 and older, or an en/of-rekening (joint) for two holders. - Provide personal details — name, NL address (residency in the Netherlands is required; Triodos verbatim refuses applications from non-residents), email. - Verify identity in-app via selfie and ID document. Triodos accepts a paspoort, identiteitskaart, or verblijfsvergunning. A rijbewijs is verbatim not accepted. - Submit and wait for approval. Triodos summarises an approximate five-working-day window; the account number appears in the app on approval. - Receive the Triodos Betaalpas (Visa Debit per Voorwaarden Betalen § 22.3) by post, also within five working days. - Activate Internet Bankieren via Mobiel Bevestigen in the Triodos app, or order an Identifier login device for €20. - Use the account. Customer communication is in Dutch only per Voorwaarden Betalen § 7.2. SEPA Instant payments settle in seconds; standard SEPA payments submitted before 15:30 on a working day settle within one working day. > **Tip:** Particulier customers may cancel within 14 days of opening at no cost under Voorwaarden Betalen § 9.2. Rood staan (overdraft) is available only from three months after the account is opened, at 8 percent effective annual interest for authorised overdraft and 12 percent for unauthorised overdraft. > **If this fails:** If you live outside the Netherlands the application is auto-rejected per the productpagina; if you used a rijbewijs as your ID, the app rejects it; if you are under 18 the Kenmerken document filters the application out. Triodos's Dutch-only customer communication is a year-two friction surface that is not foregrounded at signup — plan ahead if you do not read Dutch comfortably. _Links:_ - [Triodos — Internet Betaalrekening](https://www.triodos.nl/betaalrekening) - [Triodos — Kenmerken Internet Betaalrekening](https://www.triodos.nl/downloads/kenmerken-betaalrekening?id=62a549fa92d0) - [Triodos — Informatiedocument vergoedingen Betaalrekening](https://www.triodos.nl/downloads/informatiedocument-vergoedingen-betaalrekening?id=1c5f1621483d) - [Triodos — Voorwaarden Betalen](https://www.triodos.nl/downloads/voorwaarden-betalen?id=54ab029a1e93) ### 5. Activate online banking and confirm the account is live - Confirm the IBAN is active by checking the balance and any opening deposit in the bank's app. - Set up app authentication — bunq's in-app PIN and biometric login, Knab's app login plus the web portal at knab.nl, or Triodos's Mobiel Bevestigen. - Add iDEAL as a payment method for Dutch online merchants. iDEAL is supported across all three banks once the account is active. - Connect SEPA direct-debit instructions for rent, utilities, zorgverzekering premium, and any tax-related instalment plans. - Test SEPA Instant if you need same-second payments — Triodos settles binnen een paar seconden per Voorwaarden Betalen § 14.1; bunq and Knab also support SEPA Instant on supported plans. > **Tip:** Keep your IBAN handy in a password manager. Dutch employers, gemeente refunds, the Belastingdienst (for tax refunds and zorgtoeslag), and your zorgverzekeraar all need an IBAN to pay you or collect from you. ## FAQ ### Do I need a BSN before I can open a Dutch bank account? It depends on the bank. Knab requires a BSN at intake — its acceptatiecriteria-particulier states verbatim 'Je bent minimaal 18 jaar en hebt een burgerservicenummer (BSN)'. Triodos does not list BSN on its public productpagina but onboarding follows the standard Dutch customer-due-diligence flow, which requests BSN at intake under Wwft and CRS reporting. bunq is the explicit exception — its expat blog states verbatim 'You don't need a tax ID or proof of residence straight away. We give you up to 90 days to get that sorted', so you can open a bunq account before BRP or RNI registration is complete and supply BSN within 90 days. ### Can I open a Triodos account if I live outside the Netherlands? No. Triodos's productpagina states verbatim 'Je kunt geen rekening in Nederland openen als je in het buitenland woont' — you cannot open a Dutch Triodos account if you live abroad. Triodos does run separate entities in Belgium, Germany, Spain, and the United Kingdom for residents of those countries, but those are not the Dutch Internet Betaalrekening. If you have a Dutch residence permit and are registered in the BRP at a Dutch address, you are eligible. ### Who owns Knab and which deposit-guarantee scheme covers it? Knab is a Dutch branch of Austrian bank BAWAG P.S.K. since the merger of Knab N.V. with BAWAG completed on 29 November 2025. Knab's wat-is-knab/depositogarantie page states verbatim 'Op 29 november 2025 is de fusie van Knab N.V. met BAWAG officieel afgerond'. Deposits up to €100,000 per account holder are covered by the Austrian deposit-guarantee scheme (Oostenrijkse depositogarantiestelsel), not the Nederlandse Depositogarantie. De Nederlandsche Bank remains the customer's contact point in the Netherlands ('De Nederlandsche Bank is nog steeds je aanspreekpunt'). ### How fast can I get a Dutch IBAN? bunq advertises 'Sign up in just 5 minutes with only your phone and ID' and states 'Create IBANs for all your needs in seconds' once the in-app signup is approved. Knab states 'Je opent je rekening in vijf minuten via de Knab App' and provides the IBAN immediately on approval, with up to five working days for any extra checks. Triodos summarises an approximate five-working-day window for application approval and debit card delivery; the account number appears in the Triodos Bankieren NL app on approval. ### What does each bunq plan cost per month? Per bunq.com/plans accessed 2026-05-07: bunq Free is €0 per month; bunq Core is €3.99 per month; bunq Pro is €9.99 per month; bunq Elite is €18.99 per month. Plan choice is made at signup and can be changed later in-app. The monthly fee is the only recurring price; transactional fees for foreign exchange, ATM withdrawals beyond the included quota, and card replacement live on the detailed plan-comparison pages. ### What ID does Triodos accept and reject? Triodos accepts a paspoort (passport), identiteitskaart (Dutch identity card), or verblijfsvergunning (residence permit) per its productpagina. It explicitly does not accept a rijbewijs (driving licence) — verbatim 'Je kunt geen rijbewijs gebruiken'. The applicant must be 18 or older per the Kenmerken Triodos Internet Betaalrekening, which states 'particuliere klanten van 18 jaar en ouder'. The identity verification runs in the Triodos Bankieren NL app via selfie and ID photo. ### What language does each bank use with customers? bunq operates in English and supports several other languages — its public site, app, and customer service are English-friendly by default. Knab's customer-facing site is published in Dutch only; the full site path-crawl found no English mirror at knab.nl/particulier, knab.nl/tarieven, or any subpage. Triodos's Voorwaarden Betalen § 7.2 states verbatim 'We gebruiken alleen Nederlands. Alle informatie en voorwaarden zijn in het Nederlands. We communiceren ook alleen met elkaar in het Nederlands' — every account statement, contract amendment, and dispute communication is in Dutch. ## Sources - [Government of the Netherlands](https://www.government.nl/topics/personal-data/citizen-service-number-bsn) — accessed 2026-05-07 — _T1_ — Citizen service number (BSN) is allocated to everyone registered in the Personal Records Database (BRP). Foreigners staying four months or longer register with the gemeente of residence to receive both BRP registration and a BSN; foreigners staying under four months register at an RNI-loket municipality, which also issues a BSN. BSN is used by government, healthcare, education, childcare, and housing-benefit authorities. - [bunq](https://www.bunq.com/plans) — accessed 2026-05-07 — _T2_ — Verbatim plan tiers and monthly prices: bunq Free €0 per month, bunq Core €3.99 per month, bunq Pro €9.99 per month, bunq Elite €18.99 per month. The plans page also states 'Open Bank Accounts with NL, DE, FR, ES or IE IBANs' and 'Create IBANs for all your needs in seconds'. - [bunq](https://www.bunq.com/blog/opening-a-bank-account-as-an-expat-what-you-need-to-know) — accessed 2026-05-07 — _T2_ — Expat document requirements verbatim: 'A valid passport or EU/EEA ID', 'A selfie for identity verification', and 'An address in the EU or EEA'. BSN grace period verbatim: 'You don't need a tax ID or proof of residence straight away. We give you up to 90 days to get that sorted'. - [bunq](https://www.bunq.com/blog/open-a-bank-account-in-just-5-minutes) — accessed 2026-05-07 — _T2_ — Onboarding flow verbatim: 'Choose a plan. Fill in your personal details. Let us know what kind of account you need. Select a document to verify your identity'. Identity verification captures a photo of both sides of the ID document plus a short video; signup time target is 'in just 5 minutes'. - [Knab](https://www.knab.nl/particulier/betalen/bankrekening-openen/priverekening) — accessed 2026-05-07 — _T2_ — Knab Privérekening — page title verbatim 'Privérekening openen | In 5 minuten online geregeld'. Monthly fee €6 ('Voor €6 per maand regel je al je geldzaken online'). Procedural steps verbatim: 'Download de Knab App', 'Vul je gegevens in', 'Scan je paspoort of identiteitsbewijs'. Decision window verbatim: account opened immediately if details complete; extra-checks response within five working days. 'Gratis pinnen in Eurolanden' and Apple Pay and Google Pay supported. - [Knab](https://www.knab.nl/tarieven) — accessed 2026-05-07 — _T2_ — Knab tariff schedule. Privérekening monthly fee €6 ('Kortingsactie: Tijdelijk 12 maanden gratis'). Gezamenlijke rekening €7 per maand. Betaalpas and vervangende betaalpas 'Gratis'. Foreign-currency payments outside the Eurolanden 'Mastercard wisselkoers + 1,4% koersopslag in euro'. Outgoing transfer outside the EEA '€15 + een koersopslag van 0,1%'. Incoming non-EEA transfer €10. - [Knab](https://www.knab.nl/acceptatiecriteria-particulier) — accessed 2026-05-07 — _T2_ — Eligibility verbatim: 'Je bent minimaal 18 jaar en hebt een burgerservicenummer (BSN)' — minimum age 18 plus BSN required at intake. Residency verbatim: 'Je woont in Nederland op het moment van klant worden. Hieronder vallen niet de overzeese gebiedsdelen.' Identity-document path: EEA passport or ID-card, OR Dutch indefinite-residence permit plus home-country passport, OR Dutch residence permit (minimum 5 years validity) plus passport. Address must be residential ('Adres moet een woonadres zijn'). US tax residents are excluded. - [Knab](https://www.knab.nl/wat-is-knab/depositogarantie) — accessed 2026-05-07 — _T2_ — BAWAG merger verbatim: 'Op 29 november 2025 is de fusie van Knab N.V. met BAWAG officieel afgerond en is Knab een Nederlands bijkantoor van het Oostenrijkse BAWAG.' Deposits up to €100,000 per account holder are protected by the Austrian deposit-guarantee scheme (Oostenrijkse depositogarantiestelsel). 'De Nederlandsche Bank is nog steeds je aanspreekpunt' for customer contact in the Netherlands. - [Triodos Bank](https://www.triodos.nl/betaalrekening) — accessed 2026-05-07 — _T2_ — Triodos Internet Betaalrekening product page. Accepted ID documents verbatim: 'paspoort, identiteitskaart of verblijfsvergunning'. Driving licence rejected: 'Je kunt geen rijbewijs gebruiken'. Residency requirement verbatim: 'Je kunt geen rekening in Nederland openen als je in het buitenland woont'. Approval and debit-card delivery within five working days. iDEAL and Wero payment methods supported. - [Triodos Bank](https://www.triodos.nl/downloads/kenmerken-betaalrekening?id=62a549fa92d0) — accessed 2026-05-07 — _T2_ — Kenmerken Triodos Internet Betaalrekening (mei 2026). Eligibility 'particuliere klanten van 18 jaar en ouder'. Triodos Betaalpas, Internet Bankieren via Triodos app. Rood staan available 'vanaf drie maanden nadat je de betaalrekening hebt geopend'. Deposit protection verbatim: 'Geld op deze rekening wordt automatisch beschermd door de Nederlandse Depositogarantie. Van 1 cent tot €100.000 per persoon per bank.' Triodos Bank NV staat onder toezicht bij De Nederlandsche Bank, the Autoriteit Financiele Markten, and the Autoriteit Persoonsgegevens. KvK-nummer 30062415. - [Triodos Bank](https://www.triodos.nl/downloads/informatiedocument-vergoedingen-betaalrekening?id=1c5f1621483d) — accessed 2026-05-07 — _T2_ — Informatiedocument vergoedingen Betaalrekening (mei 2026). Monthly fees verbatim — single-holder account aged 18-22 €0,00 per maand; aged 23-25 €3,50 per maand (€42,00 per jaar); from age 26 €5,00 per maand (€60,00 per jaar). En/of-rekening across all ages €8,00 per maand (€96,00 per jaar). Extra betaalpas voor gemachtigde €4,00 per maand. Vervangende betaalpas €6,00. Papieren rekeningafschriften €2,20 per afschrift. Rood staan 8 percent effective annual interest; ongeoorloofd rood staan 12 percent. - [Triodos Bank](https://www.triodos.nl/downloads/voorwaarden-betalen?id=54ab029a1e93) — accessed 2026-05-07 — _T2_ — Voorwaarden Betalen (mei 2026). Section 7.2 customer-communication clause verbatim: 'We gebruiken alleen Nederlands. Alle informatie en voorwaarden zijn in het Nederlands. We communiceren ook alleen met elkaar in het Nederlands.' Section 9.2 herroepingsrecht: particuliere klanten may cancel within 14 days of opening at no cost. Section 14.1 SEPA Instant settles 'binnen een paar seconden'. Section 14.2 standard SEPA submitted before 15:30 on a working day settles within one working day. Section 22.3 Triodos Betaalpas is a Visa Debit card. --- Verification pending — see the canonical page for the latest trust state. Canonical: https://publicservices.guide/netherlands/bank-account/