Let’s face it: no one dreams of switching bank accounts in the Netherlands — and it can be especially confusing if you’re not sure how long it takes.
But if you’re fed up with poor customer service, clunky mobile apps, endless fees, or want to support a more ethical bank, a switch might be just what your wallet ordered.
Here’s everything you need to know about how long it takes to switch banks in the Netherlands, what the process looks like, and how to do it smoothly.
How to switch banks in the Netherlands
Switching banks with the Overstapservice
The easiest way to switch Dutch banks is by using the Overstapservice (Dutch bank switch service).
This free service, offered by most Dutch banks, automatically redirects payments from your old account to your new one for 13 months.
That includes:
- Incoming salary payments
- Direct debits (rent, insurance, gym membership, etc.)
- Bank transfers from friends or family
During the time that your Overstapservice is active, direct debit companies (i.e. your gym or your internet provider) are officially informed of your new account number and are expected to update their records.
If an individual sends money to your old account, the payment is automatically redirected to your new one, often with a note to the sender informing them of the change, depending on their bank.
Banks that support the Overstapservice include: ING, ABN AMRO, Rabobank, SNS, ASN Bank, RegioBank, Triodos, bunq, Knab, and more.
Switching banks without the Overstapservice
If your new bank doesn’t support the Overstapservice, you’ll need to switch manually. Manual switching can be a little more time-consuming and risky if you miss something, but it’s definitely doable.
When doing this, you’ll have to take care of:
- Informing your employer of your new IBAN
- Updating all subscriptions and utilities
- Transferring standing orders and scheduled payments
- Telling friends, clients, or anyone who might send you money
- Transferring your money to your new account
- Closing your old account
You can make the process easier by exporting your transaction history from your old bank account. This gives you a clear overview of all your regular payments.
Budgeting apps can also help you spot recurring subscriptions or forgotten direct debits that you’ll need to move over.
How long does it take to switch banks in the Netherlands?
In total, switching banks in the Netherlands usually takes between 1 and 3 weeks, but the exact timeline depends on how you make the switch.
Switching Dutch banks with the Overstapservice
Switching banks in the Netherlands using the Overstapservice typically takes about one to two weeks from start to finish. But here’s the good news: most of that time isn’t spent doing anything, as the actual setup only takes a few minutes.
- Opening your new account: 15-30 minutes
- Overstapservice activation time: 3–5 business days
- Typical transition period: 1–2 weeks (from opening your new account to having most payments redirected)
- Redirection period: 13 months
What happens after the 13-month redirection period?
After the 13-month Overstapservice period ends, the automatic redirection of incoming payments and direct debits stops. That means:
- Payments made to your old account will no longer be forwarded to your new one.
- If someone tries to send money to your old account, it may bounce back — unless that account is still open.
- Direct debit companies are expected to have updated their records during the 13 months. If they haven’t, you’ll need to notify them manually.
- You won’t receive any further alerts or notifications from the Overstapservice.
Switching Dutch banks without the Overstapservice
When switching without the Overstapservice, you’ll need to make all the changes manually.
- Setup time: 1–3 weeks, depending on how many payments and subscriptions you have
- Redirection period: None
It’s also recommended that you double-check that everything has moved over, and ideally monitor both accounts for a while before closing your old done.
Step-by-step guide to switching banks in the Netherlands
Step 1: Compare and choose a new bank
Consider fees, app, ethics, and customer service. Not sure where to begin? Compare Dutch bank accounts here.
Step 2: Open your new checking account (betaalrekening)
This usually takes 15–30 minutes. Most banks let you do this in-app, only requiring an ID check.
Step 3: Download your transaction history or standing orders
This helps you track recurring payments so nothing slips through the cracks.
Step 4: Register for the Overstapservice (if available)
Your new bank usually offers this option during setup. You’ll get a start date for the redirection.
Step 5: Notify your employer, utilities, subscriptions
Most will update automatically if you use the Overstapservice, but it never hurts to double-check.
Step 6: Monitor any missed or bounced payments
Set alerts in your phone to regularly check your banking app to catch any surprises.
Step 7: Close your old account once all is settled
Wait one to two months before closing, just to be safe.
How do I know when the switch is complete?
You’re done when:
- All income and direct debits hit your new account
- You haven’t had any missed payments in at least 30 days
- Your old account has a €0 balance and no further use
Set yourself reminders to flag incoming or outgoing payments during this period. Two months of smooth sailing? You’re probably good to go.
Which Dutch banks offer the easiest switch process?
All major Dutch banks support the Overstapservice, so the process is fairly smooth across the board.
That said, here are some small differences you may want to consider:
- bunq: Fast online sign-up, clean mobile interface
- ABN AMRO: English-language options, traditional feel
- ING: International, popular with expats
- Rabobank: Reliable, but slower digital features
Can I use the Overstapservice to switch to an international bank?
Unfortunately, no. The Overstapservice only works between Dutch banks with Dutch IBANs.
If you’re switching to something like Revolut, Wise, or N26, you’ll need to:
- Open the international account first
- Run both accounts in parallel for a while
- Manually update every payment source and subscription
It’s not hard, but it does take a bit more patience.
Switching banks in the Netherlands isn’t just possible; it’s relatively painless. Whether you’re hunting for lower fees, a better app, or a bank that aligns with your values, you’ve got options.
Give yourself a week or two to make the move, and be ready to monitor things for a month or so after. Once that’s done, your money’s in better hands.