Best USD accounts in the Netherlands
Opening a USD account in the Netherlands can be useful if you travel to the United States regularly, receive income in US dollars, or manage international business activities. A USD account with a local or international bank — or a specialist provider such as Wise — can help reduce currency conversion costs and simplify cross-border transactions.
Whether you are a US citizen living in the Netherlands, or a Dutch resident who frequently travels or works with US-based partners, holding funds in USD can make managing finances more efficient.
Dutch banks, global banks, and specialist financial providers all offer USD account options. Some allow you to open a dedicated USD account, while others provide multi-currency accounts that let you hold USD alongside euros and other currencies. This guide explains how USD accounts work in the Netherlands and helps you compare the main options.
Table of contents
- What can you do with a USD account in the Netherlands?
- Types of USD accounts
- Best USD currency accounts in the Netherlands
- Wise USD Account
- Revolut Account
- Barclays USD Account
- ABN AMRO USD Account
- Fees for USD accounts in the Netherlands
- How to open a USD account in the Netherlands
- How to use your USD account in the Netherlands
- Conclusion
What can you do with a USD account in the Netherlands?
A USD account is particularly useful for people who regularly transact in US dollars, including expats, international professionals, and business owners.
Common uses of a USD account include:
- Hold and convert USD balances
Keep funds in USD without immediately converting them to euros, helping you avoid unnecessary exchange costs and manage future expenses more effectively. - Receive payments in USD
Get paid in US dollars directly, often using local or SWIFT account details, making it easier and cheaper for senders. - Send payments in USD
Pay US-based expenses such as rent, tuition fees, invoices, or subscriptions without repeated currency conversions. - Spend and withdraw USD
Some accounts offer debit cards that allow you to spend online or withdraw cash in USD with lower fees.
Types of USD accounts
USD accounts in the Netherlands generally fall into three categories:
International bank USD accounts
Global banks often offer USD accounts through their international or expat banking services. These accounts are typically aimed at higher-net-worth individuals and may include wealth management or investment services.
Dutch bank USD accounts
Some Dutch banks provide USD accounts for residents. These are usually designed for holding and transferring USD rather than everyday spending and may require an accompanying euro account.
Multi-currency accounts
Digital financial providers offer multi-currency accounts that allow users to hold, exchange, and manage multiple currencies — including USD and EUR — in one place. These accounts are often popular with internationally mobile clients.
Best USD currency accounts in the Netherlands
There is no single “best” USD account for everyone. The right option depends on how you plan to use the account, whether you need a debit card, how often you exchange currencies, and your preferred balance level.
Below are some commonly used USD account options available to residents of the Netherlands.
Wise USD Account
The Wise account allows individuals and businesses to hold USD alongside EUR and more than 40 other currencies in one account. Accounts are opened online or through the Wise app.
Key features include:
- Hold and exchange USD and 40+ currencies
- Mid-market exchange rates with transparent fees
- Optional debit card for spending and ATM withdrawals in over 150 countries
- Local and SWIFT account details for receiving USD
Account opening fee:
No fee for personal accounts. Business accounts pay a one-time setup fee.
Eligibility:
Available to residents of the Netherlands and many other countries.
Monthly fees:
None
Revolut Account
A Revolut account allows customers to hold and exchange multiple currencies, including USD and EUR. Several personal and business plans are available, ranging from free to premium monthly subscriptions.
Key features include:
- Hold and exchange 25+ currencies
- Debit card included with all plans
- Flexible subscription options based on usage
Account opening fee:
None
Eligibility:
Available to residents of the Netherlands.
Monthly fees:
Free plan available; higher-tier plans charge monthly fees.
Barclays USD Account
The Barclays International USD Account is offered through its international and expat banking services. It allows customers to hold, send, and spend USD using a linked debit card.
This account is designed primarily for high-net-worth individuals.
Key features include:
- USD holding and international payments
- Debit card for global use
- Relationship management services for eligible clients
Eligibility:
Minimum balance requirements apply.
Monthly fees:
No standard monthly fee, but fall-below charges may apply.
ABN AMRO USD Account
ABN AMRO offers a USD account for Dutch residents who already hold a euro account with the bank. The account is mainly intended for holding and transferring USD rather than everyday spending.
Key features include:
- Hold USD without converting to EUR
- Receive and send USD payments
- Mobile banking access
Account opening:
In-branch appointment required.
Monthly fee:
€5 per month, in addition to any euro account fees.
Fees for USD accounts in the Netherlands
While some USD accounts have no monthly fee, other costs may apply. Common fees include:
- Monthly maintenance fees
- Minimum balance or fall-below fees
- ATM withdrawal fees
- Foreign transaction fees
- International transfer and exchange rate markups
Review the fee schedule carefully before choosing an account.
How to open a USD account in the Netherlands
Many USD accounts can be opened online, especially with digital providers.
Typical requirements include:
- Valid identification
- Proof of address
- Dutch residency status
Traditional banks may require in-person appointments, while online providers complete verification digitally.
How to use your USD account in the Netherlands
A USD account can help simplify international finances:
- Send USD payments to the US and other countries
- Hold USD and EUR in one account for easier budgeting
- Receive USD payments without forced conversion
- Use debit cards for international spending and withdrawals
Conclusion
USD accounts are widely available in the Netherlands through international banks, Dutch banks, and digital providers.
Traditional banks may suit those who want long-term USD savings or wealth services, while multi-currency providers such as Wise or Revolut offer flexibility for everyday international use.
Choosing the right account depends on how often you transact in USD, whether you need a debit card, and how important low fees and easy currency exchange are for your situation.