{"type":"document","data":{"id":"1a8c79f5-1fa3-47bc-bb73-510eef0bb28e","localeString":"en-GB","publishDate":"2026-04-20T10:58:40.110+02:00","contentType":"onecms:categoryPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"We offer financial services, bank accounts, mortgages and insurances for expats in the Netherlands. Discover the advantages and safety of banking with ING."},"mainHeaderZone":{"componentType":"categoryHeader","coreHeader":{"title":"Expats","subtitle":"With the reliability and safety of the largest bank in the Netherlands, we are here to help you make the Netherlands feel like home."}},"flexZone":{"flexComponents":[{"componentType":"cards"},{"componentType":"sectionTitle","title":"ING is more than just banking"},{"componentType":"paragraph","richBody":{"value":"<ul class=\"check-mark\"><li><span lang=\"EN-GB\" dir=\"ltr\"><span><span><span>If you are not yet in the Netherlands, s</span></span></span></span><span lang=\"EN-US\" dir=\"ltr\"><span><span><span>tart without a BSN (citizen service number), provide your BSN within 90 days</span></span></span></span></li><li><span><span><span><span><span lang=\"EN-US\" dir=\"ltr\">Register locally to get your BSN if</span> <span lang=\"EN-GB\" dir=\"ltr\">you plan to stay in the Netherlands for more than 4 months</span></span></span></span></span></li><li>Account immediately ready for use after opening</li><li>Reliability and safety of the largest bank in the Netherlands </li><li>Use Apple Pay, Google Pay or Garmin Pay immediately after opening</li><li>Manage your finances anywhere, anytime with the ING app</li></ul>"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/966e5eec-509c-4850-bd72-0b106972929a/Mobile-Banking-app","original":"https://assets.ing.com/m/2b9ecb5d0ba099dc/original/Mobile-Banking-app.svg","extension":"svg"}},{"componentType":"sectionTitle","title":"Moving to the Netherlands? Here's what you need to arrange"},{"componentType":"accordion","accordionList":[{"title":"Registration","richBody":{"value":"<p>The first thing on your to-do list upon arrival in the Netherlands should be registering at your local municipality for your citizen service number (BSN). In fact that also applies to partners, if any and any children you might bring along. Everyone in the Netherlands needs a personal BSN number. A lot of other public institutions rely on you having a BSN - like in healthcare, for a bank account, or employment.</p><p>The BSN registration process can, unfortunately, take longer than desired. So make sure to schedule your appointment for registration ahead of time and bring all your documents to prevent a delay.</p>"}},{"title":"Get a DigiD (digital identification)","richBody":{"value":"<p>Never heard of that before now have you? Once you are registered, you can also request a digital identification (DigiD). This is a necessary sort of online identification that you need to identify yourself when accessing certain services online and using them securely.</p><p>You can find a step-by-step-guide on how to <a href=\"https://www.digid.nl/en/apply-and-activate/apply-digid/\">request your DigiD here.</a></p>"}},{"title":"Open a Dutch bank account","richBody":{"value":"<p>Things are just easier with a bank account in the Netherlands: Receiving your salary, making necessary payments, managing your money flow and sending payment requests. Furthermore, some payment options are only available to you if you have a Dutch debit card. <a data-type=\"internal\" href=\"/en/personal/payments/bank-accounts/open-account-mobile\">Opening a bank account at ING</a> is luckily easy, safe and convenient. You can even do it online or via our app from the comfort of your home if you meet all the requirements.</p>"}},{"title":"Insurances","richBody":{"value":"<p><a data-type=\"internal\" href=\"/en/personal/insurances/czdirect-health-insurance\">Health insurance</a> in the Netherlands is mandatory if you want to work and live in the Netherlands. Next to a health insurance, you could consider taking out other helpful insurances, such as a liability insurance or a home contents insurance. ING offers a variety of <a data-type=\"internal\" href=\"/en/personal/insurances\">insurances</a> in case you are interested. </p>"}}]},{"componentType":"promotionalBanner","icon":{"transformBaseUrl":"https://assets.ing.com/transform/8e6e84cc-c21a-4d3e-b474-2bac1482c554/Circle-Box-lamp-3","type":"image","width":64,"original":"https://assets.ing.com/m/163f2201a9788902/original/Circle-Box-lamp-3.svg","extension":"svg"},"body":"Want to retire early, grow your child’s future, or make your home more sustainable? Schedule an","bodyBold":"Insight Conversation!","date":{},"textLink":{"url":"/en/personal/expats/schedule-an-expat-insight-conversation","text":"Make an appointment"}},{"componentType":"sectionTitle","title":"What other expats found useful"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Credit Card","intro":"Pay worldwide with the ING Credit card and be financially independent.","image":{"transformBaseUrl":"https://assets.ing.com/transform/340aaf51-6e51-4e5e-b905-142d7fab5e90/Payment-Terminal-BE","type":"image","width":1920,"original":"https://assets.ing.com/m/694185bc2a4d0867/original/Payment-Terminal-BE.jpg","extension":"jpg"},"link":{"url":"/en/personal/payments/creditcards"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Joint account","intro":"For hassle-free joint expenses and managing your banking together easily.","image":{"transformBaseUrl":"https://assets.ing.com/transform/1dc670e5-cc36-4d94-ba5a-f4642aad80cc/Back-view-of-an-older-couple-standing-at-a-railing","type":"image","width":1920,"original":"https://assets.ing.com/m/6d7a1f08c0b0a282/original/Back-view-of-an-older-couple-standing-at-a-railing.jpg","extension":"jpg"},"link":{"url":"/en/personal/payments/bank-accounts/open-a-joint-account"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Accounts for children","intro":"Keep control over the account in your own mobile banking app and My ING.","image":{"transformBaseUrl":"https://assets.ing.com/transform/fb59619e-c11d-4432-8579-47af83f53109/two-little-boys-checking-their-phone-gespiegeld","type":"image","width":5197,"original":"https://assets.ing.com/m/7b6f3ba65e462a1d/original/two-little-boys-checking-their-phone-gespiegeld.jpg","extension":"jpg"},"link":{"url":"/en/personal/children"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Save €50 - €100 on Dutch tax help","intro":"Exclusive expat discount with TaxSavers. 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Check it out!","image":{"transformBaseUrl":"https://assets.ing.com/transform/b6f90679-096c-4a74-b27b-0e20a914f9f6/Three-friends-drinking-coffee","type":"image","width":8500,"original":"https://assets.ing.com/m/1f0afc1a207be957/original/Three-friends-drinking-coffee.jpg","extension":"jpg"},"link":{"url":"/en/personal/payments/bank-accounts/connect-a-friend"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"International payments","intro":"To transfer money internationally, easy and quick, all in one app.","image":{"transformBaseUrl":"https://assets.ing.com/transform/81a60736-d858-473b-8b56-b438a100aa33/Overhead-view-of-a-customer-holding-her-ING-card-on-the-card-reader-to-make-a-contactless-payment-at-the-cash-register","type":"image","width":1920,"original":"https://assets.ing.com/m/1787a661eebc882a/original/Overhead-view-of-a-customer-holding-her-ING-card-on-the-card-reader-to-make-a-contactless-payment-at-the-cash-register.jpg","extension":"jpg"},"link":{"url":"/en/personal/payments/money-transfers/international-payment"}}]},{"componentType":"linkList","componentStyle":"default","iconTitle":{"title":"More information"},"textLinks":[{"url":"/en/personal/investing/portfolio-management","text":"ING Portfolio management"},{"url":"/en/personal/insurances/czdirect-health-insurance","text":"CZdirect health insurance"},{"url":"/en/personal/mortgage/mortgage-advice","text":"Get mortgage advice"},{"url":"/en/personal/mortgage/buying-a-house/buying-your-first-home/rent-or-buy","text":"Rent or buy a house"},{"url":"/en/personal/savings","text":"Savings account"},{"url":"/en/personal/investing","text":"Investing"}]}]},"complementaryZone":{"flexComponents":[{"componentType":"cards"},{"componentType":"sectionTitle","title":"Also interesting"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"The 30% tax ruling Netherlands in short","intro":"Learn more about the 30% tax ruling Netherlands, a financial advantage allowing you to enjoy up to 30% of your salary completely tax-free.","image":{"transformBaseUrl":"https://assets.ing.com/transform/b7c1fcaa-f8d0-444f-b870-ecac06eff99a/Medium_MS-PPT_MS-Word_Newsletter-Two-people-sit-at-a-desk-with-their-laptops","type":"image","width":900,"original":"https://assets.ing.com/m/746187ec4bde0c09/original/Medium_MS-PPT_MS-Word_Newsletter-Two-people-sit-at-a-desk-with-their-laptops.jpg","extension":"jpg"},"link":{"url":"/en/personal/expats/blog/navigating-the-30-ruling-netherlands"}},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Income tax for Expats","intro":"Guide to income tax in the Netherlands for expats: key dates, rates and filing tips. 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