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FREQUENTLY ASKED

Welcome to the Netherlands. On this page, you will find information about the topics that are most frequently asked about on RefugeeHelp. This page will be updated monthly with the most relevant topics.


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Last updated: Sunday, October 2, 2022

Below you can find information on how to open a payment account if you are a Ukrainian without a valid ID or if you have different nationality. There are several ways to open a payment account in these cases.

Payment account for Ukrainians without a valid ID

Starting Monday, October 3, in many cases it will also be possible for refugees from Ukraine without biometric passports to open a checking account. The identity documents listed below will be accepted by banks:

  • A Cyrillic Ukrainian passport combined with a 'certificate of identity verification' issued by the Ukrainian Embassy. Your Cyrillic passport must be valid. Or it should have been renewed by the Ukrainian Embassy with a renewal stamp, valid at the time of the account application.

  • An expired Ukrainian biometric passport renewed by the Ukrainian Embassy with an extension stamp, still valid at the time of the account application.

  • A Ukrainian permanent residence permit valid on Feb. 24, 2022 (the first day Ukraine was attacked by Russia) in combination with a valid passport from another country outside the EU.

  • A valid O document that has been issued by the Dutch Immigration and Naturalization Service (IND) to Ukrainian refugees without recognized identity documents.

Each bank discloses on its own website how to apply for an account and the conditions and guidelines for doing so. For example, with some banks, an application must be physically submitted at a bank branch, while with other banks it can only be done online.

Almost all banks require applicants to be registered in the Dutch Basisregistratie Personen (BRP) and have a citizen service number (BSN). Banks that do not impose this requirement indicate this on their website.

More details about applying for a checking account can be found on the website of the Betaalvereniging. This also lists all banks that provide these new options, with links to their own information pages.

All existing and new options for applying for a Dutch checking account will remain available as long as you hold Temporary Protection.

You can currently open an account with an alternate ID at the following banks:

Bunq: If your passport is expired or written in Cyrillic, you can open a bank account at Bunq. To do this, you will need a certificates of identity and nationality. You can request this certificate from the Ukrainian Embassy in The Hague.

After that, you need to make an appointment with a Bunq bank employee to have the certificate verified. To do so, please send an email to embassycertificates@bunq.com. Attention: there is a long waiting list. It can take weeks before you are invited by Bunq for an appointment.

You can only open a bank account after you have had an appointment with a Bunq employee. Do you experience any trouble opening the account? You can contact the support department in the Bunq app or send an email to support@bunq.com

Please visit the website of Bunq for further information on this subject.

Bitsafe: At Bitsafe, you can open a bank account with a valid Ukrainian driver's license instead of a passport. For further requirements, check the website of Bitsafe.

Please note: Bitsafe works differently from a traditional bank and is more expensive to use. Next to paying money for your account, cash withdrawals also cost money.

Openbank: At Openbank you can open a bank account with a still valid Cyrillic passport. This bank provides a Spanish IBAN instead of a Dutch one. For more information, please visit the website of Openbank.


Payment account for refugees with a different nationality

If you have fled from Ukraine but do not have the Ukrainian nationality, you might not have been able to open a payment account until now. There is the following possible solution for this:

  • You can open a bank account at Rabobank with a valid or expired passport from another country and a Ukrainian residence permit that was valid on 24 February 2022. For further requirements please visit the Rabobank website.

Furthermore, the Dutch government is working on a proof of residence for refugees from Ukrainian without recognised and valid identity documents. This will be in the form of a pass. It is expected that in time they will be able to open a payment account with almost all Dutch payment service providers.