Between traditional banking apps and apps for saving and investing, the Netherlands has plenty of international-friendly financial tools.
In this article, we’ve tested the best and prioritised apps that are accessible to English speakers, feature-rich, and easy to use. 🤳
From mobile banking to saving and investing, these are our top picks for banking apps in the Netherlands!
In a hurry? Skip ahead! 👇
- 📱 Best mobile banking apps in the Netherlands
- ING: Our top pick for a Dutch banking app
- bunq: Best for new expats and international students
- Revolut: Best for foreign currency and international transfers
- N26: Best banking app that doesn’t require a BSN
- Finom: Best for business accounts and money management
- 💰 Best banking apps for saving in the Netherlands
- Trade Republic: Best for sky-high interest rates
- Woolsocks: Best for rewards and cashback
- Raisin: Best for access to high interest rates across Europe
- 📈 Best banking apps for investing in the Netherlands
- DEGIRO: Our top pick for an investment app
- Scalable: Most affordable investment app in the Netherlands
- Peaks: Best investment app for beginners
- 💬 Dutch banking apps: Frequently asked questions
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Best mobile banking apps in the Netherlands
Combining ease of usage, handy money management features, and flexible BSN requirements, these banking apps are perfect for internationals in the Netherlands. 💪
ING: Our top pick for a Dutch banking app
From one of the biggest and most popular banks in the Netherlands, the ING app is the ideal all-in-one banking tool.
Whether you’d like to schedule payments, arrange insurance, or track your investments, it’s only a swipe (or intuitive widget! 😉) away.
bunq: Best for new expats and international students
With its user-friendly design and host of useful features (looking at you, 2% cashback!), the bunq app is a perfect money-management platform for those new to the Netherlands.
Even better, you can open and use your Dutch bank account for up to 90 days before getting your BSN!
Sign up for bunq
Revolut: Best for foreign currency and international transfers
Thanks to its speedy and competitively-priced global money transfers in over 29 currencies, the Revolut banking app is a major asset for internationals in the Netherlands.
Plus, you can forget about fiddly currency exchanges, as the app lets you hold a balance in multiple currencies.
N26: Best banking app that doesn’t require a BSN
Unlike most banks in the Netherlands, N26 will never require you to submit a BSN while you’re registering for a Dutch bank account.
The app is also ideal for joint account holders, with handy overviews of shared expenses and powerful money management features. The one downside? You’ll receive a German IBAN, not a Dutch one.
Sign up for N26
Finom: Best for business accounts and money management
When it comes to business bank accounts for freelancers in the Netherlands, Finom is an absolute must-have.
Chock-full of powerful tools like automated invoicing features, expense management, and accounting software integrations, Finom is like having a mini accountant in your pocket.
Sign up for Finom
Best banking apps for saving in the Netherlands
With high interest rates, in-depth money-tracking capabilities, and cashback offers, these banking apps are a major asset to your wallet! 💰
Trade Republic: Best for sky-high interest rates
Unlike many traditional banks, the Trade Republic app offers some of the highest interest rates in the Netherlands.
And the absolute cherry on top? With no monthly subscription fees, your biggest expense will be the €1 transaction fee when you buy or sell stock.
Sign up for Trade Republic
Woolsocks: Best for rewards and cashback
Woolsocks is a cashback app that runs in the background, helping you save money with every purchase.
Plus, thanks to the app’s in-depth finance tracking, achieving long-term savings goals is as easy as apple pie!
Sign up for Woolsocks
Raisin: Best for access to high interest rates across Europe
Giving you access to the highest interest rates at banks across the EU, the Raisin app is a true savings heavyweight!
In addition to Raisin’s competitive rates, the app’s low minimum deposit requirements and no fees keep this platform super accessible.
Sign up for Raisin
Best banking apps for investing in the Netherlands
If you’re dead keen on building a nest egg for yourself, these handy investment apps offer a great balance of affordability and money-making features. 💸
DEGIRO: Our top pick for an investment app
When it comes to investment apps, DEGIRO’s award-winning platform, reliability, and ease of usage set it apart from the competition.
However, let op: you can’t invest in Forex or cryptocurrency, though you do have access to a wide selection of ETFs.
Sign up for DEGIRO
Scalable: Most affordable investment app in the Netherlands
With both free and low-cost (€2.99) options available, Scalable is the most inexpensive investment app on the market.
From one account, you have access to a wide range of individual stocks, ETFs, cryptocurrencies, and more!
Sign up for Scalable
Peaks: Best investment app for beginners
In contrast to other investment apps, Peaks has no minimum investment — you’re free to invest as much (or as little!) as you like.
Even better? With four ready-made portfolio options to choose from, the app is ideal for newbies to the art of investing.
Sign up for Peaks
Dutch banking apps: Frequently asked questions
With a lot of apps and information to sift through, it’s only natural that you’d have some burning questions! 👇
What is the best online payment app in the Netherlands?
When it comes to making basic transactions, the best payment app is your own bank app.
In the Netherlands, the best banking apps include ING, bunq, Revolut, and N26.
Which bank is best for expats in the Netherlands?
Several banks, such as bunq and N26, are geared towards internationals in the Netherlands.
Our top pick for an expat bank is ING, which offers features ranging from payment scheduling, in-depth investment analyses, and future overviews of income and expenses.
Which is the best online bank in Europe?
Some of the best fully online banks in the EU include bunq, Revolut, and N26.
Is it safer to bank online or with an app?
Using a banking app is generally safer than banking via your internet browser.
This is because online banking portals are sensitive to websites infected with malware and lack many of the layers of security that banking apps have built in.
Which bank mobile app is the best in the Netherlands?
Although most Dutch banks also have mobile banking apps, one of the handiest and most functional apps on the market is by ING.
From futuristic face-recognition software and intuitive widgets to everything you’re used to from a traditional banking app, it’s a seamless blend of modern and traditional.
Liana Pereira 🇱🇰
Liana juggles her role as an Editor with wrapping up a degree in cognitive linguistics and assisting with DutchReview's affiliate portfolio. Since arriving in the Netherlands for her studies in 2018, she's thrilled to have the 'write' opportunity to help other internationals feel more at home here — whether that's by penning an article on the best SIMs to buy in NL, the latest banking features, or important things to know about Dutch health insurance.
