The Netherlands has plenty of international-friendly financial tools, from traditional banking apps to apps for saving and investing.
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!
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Best mobile banking apps in the Netherlands
Combining ease of use, handy money management features, and flexible BSN requirements, these banking apps are perfect for internationals in the Netherlands. 💪
Overview: top Dutch banking apps
How we chose these apps
As a team of internationals, we know that banking in a foreign country can be stressful, especially when you don’t speak the language fluently.
All of the apps on our list are user-friendly, available in English, and have a straightforward sign-up process.
We also checked whether your money is protected if things go wrong (yes!), and which extras, such as budgeting tools, multicurrency accounts, and high interest, are actually worth having.
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 a solid all-in-one banking tool. Even better, their latest welcome bonus gives new customers a generous €100 for saving and spending over eight weeks.
Whether you’d like to schedule payments, arrange insurance, or track your investments, it’s only a swipe (or intuitive widget) away with this highly-rated mobile app.
💰 Monthly cost: From €4 (ING Go)
🏦 IBAN: Dutch (NL)
🇬🇧 Available in English: Yes
bunq: Best for new expats and international students
With its user-friendly design and host of useful features (looking at you, personalised budgeting insights!), 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!
💰 Monthly cost: Free, or €3.99 to €18.99 for paid plans
🏦 IBAN: Dutch (NL)
🇬🇧 Available in English: Yes (plus 36 other languages)
Revolut: Best for foreign currency and international transfers
Thanks to its speedy and competitively priced global money transfers in over 70 currencies, the Revolut banking app is a major asset for internationals in the Netherlands.
Plus, the app lets you hold a balance in multiple currencies, so you’re saved the hassle of needing separate bank accounts.
💰 Monthly cost: Free, or €3.99 to €65 for paid plans
🏦 IBAN: Dutch (NL)
🇬🇧 Available in English: Yes
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 one downside? You’ll receive a German IBAN, not a Dutch one.
The app is also ideal for joint account holders, with handy overviews of shared expenses and powerful money management features.
💰 Monthly cost: Free, or €4.90 to €16.90 for paid plans
🏦 IBAN: German (DE)
🇬🇧 Available in English: Yes
Finom: Best for freelance accounts and overall 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.
💰 Monthly cost: Free, or €17 to €34 for paid plans
🏦 IBAN: Dutch (NL)
🇬🇧 Available in English: Yes
Qonto: Best for business accounts and team collaboration
Outgrown your existing banking setup? Qonto slots in alongside to plug in the gaps: make and receive payments, send customised invoices, and connect to the business tools you already use, from WhatsApp, Gmail, and ChatGPT to Dutch accounting platforms.
It’ll also wrangle your team’s expenses for you by automating receipt capture and expense submissions, setting team budgets, building custom approval flows, and more.
💰 Monthly cost: Free, or €7 to €25 for paid plans
🏦 IBAN: Dutch (NL)
🇬🇧 Available in English: Yes
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.
📈 Current rate: 2.25% (3% for new customers)
💶 Withdrawals: Yes, free
🇬🇧 Available in English: Yes
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.
📈 Current rate: 2.35% (EuroExtra)
💶 Withdrawals: Yes
🇬🇧 Available in English: Yes
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.
Disclaimer: It goes without saying that investing involves the risk of loss.
DEGIRO: Our top pick for an investment app
If you’re hoping to start investing, DEGIRO offers a straightforward web platform and mobile app.
However, let op: you can’t invest in Forex, though you do have access to a wide selection of ETFs. DEGIRO is also not a banking app, so it won’t replace your current or savings account.
💰 Monthly cost: Free
💸 Trading fees: €1 for Core Selection ETFs, €3 for other ETFs
🇬🇧 Available in English: Yes
Disclaimer: Investing involves risk of loss.
Scalable: Most affordable investment app in the Netherlands
With both free and low-cost (€4.99) plans 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!
💰 Monthly cost: Free, or €4.99 for PRIME+
💸 Trading fees: From €0.99 per trade on the free plan; savings plans are free
🇬🇧 Available in English: Yes
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.
💰 Monthly cost: From €1.59, plus 0.04% of your investments
💸 Trading fees: Free
🇬🇧 Available in English: Yes
No matter your desire, the Netherlands has a banking app that will suit your needs and wallet.
What’s your most-used banking app in the Netherlands? Share it in the comments below!
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! Let’s run through them together:
What is the best online payment app in the Netherlands?
Which bank is best for expats in the Netherlands?
Which is the best online bank in Europe?
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 ING’s.
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.