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- Eric Kuypers: What's difficult about it? A tourist comes for a holiday and in most countries it is only short, max 30 days. People from the west
- Rob: Hello Frans, From May 10 you can pre-order it from the publisher. My email address is [email protected]
- Rob: The publisher is still working on the design and I don't know the sales price yet. It will be available for purchase from May 24. I will return in October
- Frank B.: Even though we plan to settle in Thailand and I have been following F70 since the early 1s, I hope this does not happen.
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- Robert: I was in Thailand (near Ayutthaya) in January and March. I've traveled around that area a bit and am further north
- Ton Prangku: Bert, a university in Thailand has a different level than what we are used to here in Europe. We would call it secondary here
- Bert: Thanks for the nice tip! I also like to play games myself, but I don't know this one yet, I'll definitely take a look and see what it is
- Bert: Well, as far as I'm concerned, Bangkok or an expensive private one is not necessary, nor would it be practical since it is a good 500km away from here
- French: PS Rob, your email address is not in your article so I cannot email you my order. I don't see it on the book scout website
- French: Good storyteller! I'm going to order.
- Rene Mulder: Hi Rob. Seems like a nice book to me. But how much does the book cost and where do you send the book from because I live in Pattaya.
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- Jan Beute: And not to forget the consequences for the requirements for retirement visa extension. 800K in a joint account is not allowed
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Home » Reader question » Reader question: Can I open a bank account in the Netherlands?
Dear readers,
In a few months I will go to the Netherlands for a few weeks for family visits. Is it still possible to open a bank account in the Netherlands if you have been deregistered? I do have a Dutch passport.
I have read here a number of times that Dutch banks are becoming increasingly difficult if you live abroad.
I am looking for a Dutch bank where I can still get an account and a bank card. I am 71 years old.
Regards,
Jer
Only ING bank.
I live in THAILAND.
Correct Pete. But then you have to PERSONALLY sign in the Netherlands. Experienced this with a friend of mine who lives in Udon Thani. Has to fly extra to the Netherlands for this.
Ger intends to go to NL. So then he can personally place a scribble.
Hi Ger,
ABN AMRO is also possible, you only need your passport and an "address" in the Netherlands to send your debit card.
Good luck,
Henry
That message from Henry is incorrect. If you report that you live in Thailand (i.e. outside the EU), you cannot open an account with ABN Amro.
ABN AMRO? Not as soon as you have to indicate where you are really "resident" and liable to pay tax. (So after completely emigrating/unsubscribing from NL.) That is why there was already so much to do on this blog about the ABN-AMRO that almost everyone outside Europe has already started to shrug it off since the end of 2016… And incidentally, most other NL/ EU banks (e.g. Rabo as a large one, but also including the new online examples such as N26 and Bunq) now almost all have the same thresholds. The other day I tried N26 again and honestly had to fill in my country of residence and tax-obligation, just like before: “Sorry, but we're not available yet in your country.”
TransferWise offers an option with which you can get a Euro account as a non-EU resident, but as far as I know it is not fully active with a debit card after NL/EU deregistration and that you can do direct debit with it. But you do get your own IBAN account to receive EUR payments (no fees) and to make manual payments (no fees).
Final note: In 2018, of the large "classic" banks, only ING was still willing to open a new account for us non-EU residents.
Dear Cor,
I think it is NOT possible.
In my opinion, once deregistered also means that you no longer have a BSN number. You need that to open a bank account.
(Obviously I'm not 100% sure about the above).
Regards, of course.
A BSN number (the former social security number) keeps someone his or her entire life.
Even if it is no longer in a passport if it was issued abroad.
A 71-year-old can also find this number in correspondence with the SVB about the AOW.
My Dutch daughter has now renewed her Dutch passport 3 times in Bangkok (since she was born) and with Bsn number. However, this number is now on the plastic back of your data page.
If you are deregistered, you simply keep your BSN.
(NB: there are still few banks where you can open an account if you live outside the EU; perhaps with ING or Rabo, but certainly not with ABN Amro.)
Dear Stracks Of course and more know-it-alls
The question is whether it is possible to open a bank account and not the question of what you think is possible or not!
The questioners here have no use for that kind of answer
This applies to more people, if you are not (sure) do not respond!
see this come up more often and that only confuses people who ask something.
There are always people here who DO know.
Greetings Eric H
I don't know if there are other Dutch banks that accept Dutch people living in Thailand. But I know from my own experience that ING and ASN accept this (I have an account with both at my Thai home address). I also know from my own experience that ABN AMRO does not accept it. After having banked there for more than 60 years, I was simply kicked out. Mind you, I am talking about living in Thailand. For example, it is no problem for ABN AMRO if you live in an EU country. Thailand is also special in that sense, because it has not signed certain international treaties on money laundering.
Own experience living in Thailand.
1. ING can
2. ASN can
3. ABNAMRO cannot.
It has to do with Thailand's international banking status. Thailand has not signed certain agreements regarding money laundering.
For example, ABNAMRO can well land in the EU.
Only come to Regiobank if you already have an account before you leave for Thailand.
It is not possible to open a new account as a permanent resident in Thailand.
Same money also for the ASN bank, both fall under the Volksbank.
I still have them both, only the ABNAMRO bank also kicked me out at the time.
Jan Beute.
I was able to open an account with Rabo more than 2 years ago.
You can still go to ABNAMRO (Mees Pierson) Private banking, but only with at least half a million in the bank.
Laws suddenly change when you have a lot of money.
The ASN is possible, but you must have a contra account from another Dutch bank, or possibly a European one.
If agreements about Money Laundering were the reason, ING would also not be able to bank in Thailand.
Incidentally, the ABNAMRO has also put people in – if I remember correctly – New Zealand on the street, so it will not be Thailand's fault.
Within Europe, all account holders have a so-called IBAN number.
As a result, it is no longer important in which country you open an account or with which bank.
There are internet banks (fintech banks) that offer their services, often for free. These will usually suffice, although paying via the Dutch iDeal is not yet possible.
If you feel like it and have the time, it might be worth exploring the possibilities of one of the following banks (they all fall under a guarantee system):
The German N26: https://n26.com/r/garta8415
The Spanish Openbank: https://www.openbank.nl/
the English (formally Lithuanian) Revolut: https://www.revolut.com/nl-NL
If a Dutch address is requested, it does not have to be the address where you are already formally registered. The physical card will then be sent to that address.
In all cases, banking matters are handled via an app on your mobile phone and, at N26, also via your PC if desired.
These accounts are also useful if you were to continue living in Thailand, if only because they are an economical way to transfer money.
My advice: take all three bills. They are free, better embarrassed than embarrassed.
Each bank has a different advantage (which card (Maestro, Master, Visa), exchange rate calculation, multi-currency account, etc.).
For comparisons of the different accounts, see e.g. https://www.finder.com/revolut-vs-n26 of https://gratisbankrekening.com/n26-gratis-vs-openbank-gratis
https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/bank-accounts-eu/index_nl.htm
Example N26 with problems for residents outside the EU, now also the UK where they will close all accounts: https://www.bbc.com/news/business-51463632
Of course you have to stay a bit smart and don't give an address in GB (that applies to all accounts where you get an IBAN number and bank cards).
An acquaintance or family member in the Netherlands whose address you can provide is sufficient.
You do not need to be registered at that address.
A reliable person who receives your mail and, if necessary, forwards it on is sufficient.
If you don't have someone like that, there are probably more problems than with a bank account.
I can give away some codes for N26. When applying for and using the N26 account, you will receive € 30 back from your first payment (in the context of transparency: I will also receive that).
Because each code can only be used once, I will send such a code on request. Seriously interested people can send me a message at https://www.prawo.nl
Hi, I did that at the Robobank Noord Groningen, 3 years ago, no problem, entered my sister's address where the card was sent to, have been deregistered for 27 years, passport was sufficient.
Greeting. H.
I think you only need a passport. Why not just take the credit card (Mastercard) from Transferwise. You can put different currencies on it. And you can simply pay contactless in the Netherlands. Costs €6,-
€ 6,- once for purchase 😉
This is a debit card I believe.
Have it too, better embarrassed than embarrassed for that € 6.
Must have sufficient balance to cover the expense.