Skip to content
Affiliate disclosure (Ad): This page contains affiliate links marked with ↗. If you open an account through one of these links, we may earn a commission at no extra cost to you. This is a material connection we are required to disclose under FTC 16 CFR Part 255 (US) and ASA / CAP Code rule 2.4 (UK). Our rankings and reviews are editorially independent — affiliate relationships do not influence them. Read our methodology →
Worldwide / Europe / Netherlands · Updated 11 March 2026

Best neobanks in
Netherlands.

7 EU neobanks serve Netherlands in 2026. Ranked by licence class, local-IBAN availability, and fee structure for a resident.

7Available
4With full DGS
3With local NL IBAN
Our pickbunq
Top pick · Netherlands
bunq
Dutch bank licence; multi-currency accounts; Banking-as-a-Service (BaaS) platform launched April 2026 (first in the EU, via the Blockrise partnership); sustainability focus; €100k DGS protection.
Local IBAN NL · native
Protection€100,000 DGS
LanguageLocalised app
Open bunq →Ad Read bunq review →

Affiliate link — we earn a referral fee if you fund the account. How we work .

Country notes

Specifics for Netherlands.

bunq's home market. The Netherlands has advanced open banking infrastructure and early PSD2 adoption. Trade Republic launched local NL IBAN in 2025.

Safety first

Is your money actually protected in Netherlands?

4 of the 7 neobanks available here hold a full credit-institution licence with €100,000 DGS cover; the rest "safeguard" money at a custody bank, which is not insurance. Read the distinction in our deposit-protection guide, or jump to the live DGS tracker for the current per-bank status.