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Essential reading for a smooth financial start.","link":{"url":"/en/personal/expats/blog/income-tax-netherlands-for-expats"},"title":"Income tax for Expats"}],"componentType":"cards"}]},"contentType":"onecms:categoryPage","flexPageMetadata":{"afmBanner":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.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"cards"},{"componentType":"sectionTitle","title":"ING is more than just banking"},{"alignedImage":{"position":"right","extension":"svg","original":"https://assets.ing.com/m/2b9ecb5d0ba099dc/original/Mobile-Banking-app.svg","transformBaseUrl":"https://assets.ing.com/transform/966e5eec-509c-4850-bd72-0b106972929a/Mobile-Banking-app"},"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>"}},{"componentType":"sectionTitle","title":"Moving to the Netherlands? Here's what you need to arrange"},{"accordionList":[{"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":"Registration"},{"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":"Get a DigiD (digital identification)"},{"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":"Open a Dutch bank account"},{"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>"},"title":"Insurances"}],"componentType":"accordion"},{"body":"Want to retire early, grow your child’s future, or make your home more sustainable? Schedule an","bodyBold":"Insight Conversation!","componentType":"promotionalBanner","date":{},"icon":{"extension":"svg","original":"https://assets.ing.com/m/163f2201a9788902/original/Circle-Box-lamp-3.svg","transformBaseUrl":"https://assets.ing.com/transform/8e6e84cc-c21a-4d3e-b474-2bac1482c554/Circle-Box-lamp-3","type":"image","width":64},"textLink":{"text":"Make an appointment","url":"/en/personal/expats/schedule-an-expat-insight-conversation"}},{"componentType":"sectionTitle","title":"What other expats found useful"},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/694185bc2a4d0867/original/Payment-Terminal-BE.jpg","transformBaseUrl":"https://assets.ing.com/transform/340aaf51-6e51-4e5e-b905-142d7fab5e90/Payment-Terminal-BE","type":"image","width":1920},"intro":"Pay worldwide with the ING Credit card and be financially independent.","link":{"url":"/en/personal/payments/creditcards"},"title":"Credit Card"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/6d7a1f08c0b0a282/original/Back-view-of-an-older-couple-standing-at-a-railing.jpg","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},"intro":"For hassle-free joint expenses and managing your banking together easily.","link":{"url":"/en/personal/payments/bank-accounts/open-a-joint-account"},"title":"Joint account"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/7b6f3ba65e462a1d/original/two-little-boys-checking-their-phone-gespiegeld.jpg","transformBaseUrl":"https://assets.ing.com/transform/fb59619e-c11d-4432-8579-47af83f53109/two-little-boys-checking-their-phone-gespiegeld","type":"image","width":5197},"intro":"Keep control over the account in your own mobile banking app and My ING.","link":{"url":"/en/personal/children"},"title":"Accounts for children"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/4cb2d9a08e8fae08/original/Time-to-Meet-for-customers-enticement-4.jpg","transformBaseUrl":"https://assets.ing.com/transform/dad12eb8-1457-4bda-a2da-ededf0631f71/Time-to-Meet-for-customers-enticement-4","type":"image","width":5616},"intro":"Exclusive expat discount with TaxSavers. You’ll save time, money and stress.","link":{"url":"/en/personal/expats/blog/tax-advice-for-expats"},"title":"Save €50 - €100 on Dutch tax help"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/1f0afc1a207be957/original/Three-friends-drinking-coffee.jpg","transformBaseUrl":"https://assets.ing.com/transform/b6f90679-096c-4a74-b27b-0e20a914f9f6/Three-friends-drinking-coffee","type":"image","width":8500},"intro":"Want to earn something extra? Invite someone to join ING and both get €50. Check it out!","link":{"url":"/en/personal/payments/bank-accounts/connect-a-friend"},"title":"Connect a friend and earn €50"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","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","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},"intro":"To transfer money internationally, easy and quick, all in one app.","link":{"url":"/en/personal/payments/money-transfers/international-payment"},"title":"International payments"}],"componentType":"cards"},{"componentStyle":"default","componentType":"linkList","iconTitle":{"title":"More information"},"textLinks":[{"text":"ING Portfolio management","url":"/en/personal/investing/portfolio-management"},{"text":"CZdirect health insurance","url":"/en/personal/insurances/czdirect-health-insurance"},{"text":"Get mortgage advice","url":"/en/personal/mortgage/mortgage-advice"},{"text":"Rent or buy a house","url":"/en/personal/mortgage/buying-a-house/buying-your-first-home/rent-or-buy"},{"text":"Savings account","url":"/en/personal/savings"},{"text":"Investing","url":"/en/personal/investing"}]}]},"freeHeaderZone":{"flexComponents":[{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/m/67dbf253d3f51cf3/original/Phonesuccess.svg","transformBaseUrl":"https://assets.ing.com/transform/2a0d7aaf-8a10-4264-b373-8b4aafe420b2/Phonesuccess","type":"image","width":1080},"intro":"Open your own bank account now and provide your BSN (citizen service number) within 90 days.","link":{"url":"/en/personal/payments/bank-accounts/open-an-account"},"title":"Open a Dutch bank account"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/m/3f52a47629ef7fde/original/Performance-chart-spot.svg","transformBaseUrl":"https://assets.ing.com/transform/8b260ab2-ad35-4350-b8fc-ee8603781851/Performance-chart-spot","type":"image","width":160},"intro":"We are happy to help you with finding a way of investing that suits you.","link":{"url":"/en/personal/investing"},"title":"Investing"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/m/3acbbaeee094da51/original/House-with-green_Spot.svg","transformBaseUrl":"https://assets.ing.com/transform/06588d61-45f9-438d-ad2a-686167f7440b/House-with-green_Spot","type":"image","width":160},"intro":"We help you find the right mortgage to finance your dream home.","link":{"url":"/en/personal/mortgage"},"title":"Mortgages"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"altTextFR":"compte bancaire","extension":"jpg","original":"https://assets.ing.com/m/1b12b29e94a49cf0/original/Financial-health-Do-More.jpg","transformBaseUrl":"https://assets.ing.com/transform/1cbda762-9437-4417-ac57-157872be0899/Financial-health-Do-More","type":"image","width":2500},"intro":"This insurance is mandatory if you want to work and live in the Netherlands. 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