Best USD accounts in the Netherlands

Whether you’re a US citizen living in the Netherlands, or a Dutch citizen or resident traveling to the US frequently, a USD account can be a handy tool to make cross currency transactions cheap, quick and convenient.

Local Dutch banks and major global banks offer USD accounts to Dutch residents – but there are also ways to open a USD account in the Netherlands with specialist services that can be more flexible. You could choose to open a multi-currency account covering EUR and USD from a provider like Wise, for example. This guide covers all you need to know to help you choose the best USD currency account for you.

Wise Business Account

For convenient, cheap cross border transactions, check out Wise. Open a Wise account to hold and exchange USD and 40+ other currencies, and order your Wise debit card to spend and withdraw in 150+ countries. Accounts offer ways to send money to 140+ countries and receive payments globally in USD, EUR, GBP and more with local or SWIFT account details.

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What can you do with a USD account in the Netherlands?

If you’re a US citizen living in the Netherlands for work or study, or a Dutch citizen who travels to the US a lot for business or leisure, a USD account can be a useful tool.

Different USD accounts have their own features – but these are some of the more common uses for a US dollar account:

• Hold and convert a USD balance: Hold a balance in USD without needing to convert to EUR if you don’t want to. This allows you to save in USD to pay bills or for planned travel, while cutting out unnecessary conversion costs.
• Receive payments in USD: Get paid by others in USD, often with local account details, allowing the sender to make a local payment which is fast, cheap and convenient for them.
• Send payments in USD: If you’re paying bills in the US, a USD account lets you process cross border transfers in a few taps, with options for regular or recurring payments for bill payments, mortgages and other ongoing commitments.
• Spend and withdraw USD: If you need to spend and withdraw, accounts from providers like Wise, and global banks like Barclays, offer a debit card for convenient and low cost USD transactions in person and online.

Types of USD accounts

You’ll find USD account products available from major global banks often have a focus on high wealth individuals who want to hold a high balance amount and unlock things like personal banking services, investments and wealth management advice. These accounts are typically offered through the International or Expat branches of global banks like Barclays.

Dutch banks like ABN AMRO offer USD accounts, but these may be somewhat limited as they don’t offer a linked debit card. However you can receive and send USD payments conveniently.

There are also low cost USD accounts which allow customers to hold, exchange and manage other currencies all in one account, usually from specialist providers. Here are the core options typically available, with a quick introduction to the providers we feature in this guide:

Multi currency accounts: Multi currency accounts are commonly available from digital providers. You can hold USD alongside many other currencies in a multi currency account which can be a convenient option for people living international lifestyles.

• Wise Account: Hold 40+ currencies, and get local account details for receiving 8+ currencies including USD, and SWIFT details for receiving 20+ currencies easily. 
• Revolut Account: Hold 25+ currencies and get local details to receive euros and SWIFT details to receive other supported currencies. 

Foreign currency accounts: Foreign currency accounts support only 1 currency, and let you hold and send payments in a foreign currency. In the Netherlands you may find that these accounts are offered through the international or expat banking service of a global bank, with a focus on high wealth individuals rather than travellers.

• Barclays USD Account – USD account through Barclays International which lets you hold, send, spend and exchange USD – high minimum balances apply to avoid fall below fees.
• ABN AMRO USD Account: Hold USD and receive and send dollar transfers conveniently. You also need a euro account with the bank, which may mean paying costs in addition to the 5 EUR/monthly USD account fee.

Best USD currency accounts in the Netherlands

There’s not really one best USD currency account in the Netherlands, as different products have their own features to suit different customer needs. 

You might prefer multi-currency account and card services from providers like Wise if you want to hold USD with EUR and other currencies in one account, and spend with your debit card locally and overseas. These services are digital only and do not have a branch network which can be a drawback if you need to deposit cash or checks.

There are also personal USD accounts from banks like Barclays. These products are offered through the bank’s international arm, and often aimed at high wealth individuals who want to invest,  save, and send payments primarily.

Here we’ve selected some different providers and banks offering USD accounts in the Netherlands for personal and business use, looking at convenience, cost and customer intention. 

Read on to learn more about each and how their USD account in the Netherlands works.

*Details correct at time of research – 25th September 2025

Wise USD Account

Open a Wise Account online or in the Wise app, for personal or business use, and hold USD alongside EUR and 40+ other currencies all in the same account. You can exchange between currencies in the app with the mid-market rate and low, transparent fees, order an optional debit card for spending and cash withdrawals, and send and receive payments globally in EUR, USD and more. 

Accounts offer local and SWIFT details to receive payments, with no fee to receive USD (non wire, non SWIFT payments ) to your Wise account. There’s a small Wise fee to receive USD wires and SWIFT payments.

• Hold and exchange USD and 40+ other currencies
• Mid-market currency exchange with low, transparent fees
• Use your Wise card in 150+ countries for spending and cash withdrawals

Account opening fee: No opening fee for personal customers. Business customers pay 60 EUR for full feature access. No minimum balance

Eligibility criteria: Available to residents of the Netherlands and many other countries and regions globally

Supported currencies: 40+ currencies, including EUR and USD.

Monthly fees: None

Exchange rates: Mid-market exchange rates

Revolut Account

You can open 5 different types of Revolut Account as a personal customer in the Netherlands, with an additional 4 plan options for business customers. As a personal customer you can choose a Standard plan with no monthly fee, or upgrade to a plan with maintenance fees up to 50 EUR/month. 

Higher tier plans offer more no fee transactions, discounts and perks – but all accounts have a linked debit card and ways to convert in the account between 25+ currencies including EUR and USD.

• Hold and exchange many currencies in the same account
• Select your account plan based on your transaction needs
• Personal and business services offered

Account opening fee: No opening fee, no minimum balance

Eligibility criteria: Available to residents of the Netherlands and many other countries and regions globally

Supported currencies: USD, EUR and 35+ other currencies 

Monthly fees: Personal customers pay 0 EUR – 50 EUR/month, business customers 10 EUR – 90 EUR/month

Exchange rates: Weekday currency exchange uses the Revolut rate to plan limits. After this fair usage fees of up to 1% may apply depending on plan. Weekend exchange may attract an extra fee up to 1%.

Barclays USD Account

You can open the Barclays International USD Account through the International and Expat banking arm of Barclays, which is based on the Isle of Man. This account allows you to hold USD, send payments, and spend with a debit card. You may be able to manage your application online depending on your personal circumstances, and subject to meeting eligibility requirements. 

This account is aimed at higher wealth individuals who hold significant amounts of funds with Barclays.

• Full digital banking service and linked debit cards for global spending
• Send payments to 90+ countries, in 60 currencies
• Relationship management services available for high wealth individuals holding 250,000 GBP or more

Account opening fee: None 

Eligibility criteria: Residents  of one of the 35 eligible countries, holding 100,000 GBP (about 115,000 EUR) or more in Barclays savings, investment and other account products

Supported currencies: USD

Monthly fees: No monthly fee – but a 40 GBP (about 46 EUR) monthly fall below fee applies if you do not hold the minimum balance

Exchange rates: Exchange rates are likely to include a markup

ABN AMRO USD Account

ABN AMRO offers a USD Account for Dutch residents who also have a EUR account with the bank. You can only open an account in person at a branch, which may take an hour or so.

This account has a monthly fee of 5 EUR, in addition to any fee you have to pay for your underlying EUR account with ABN AMRO. Bear in mind that currency conversion costs, and other fees from ABN AMRO and third parties – such as ATM operator charges – may also apply.

• Hold and exchange USD
• Receive USD payments to your account without converting to EUR
• Mobile banking which makes it easy to keep on top of your transactions 

Account opening fee: None 

Eligibility criteria: Dutch residents with a EUR account at ABN AMRO

Supported currencies: USD

Monthly fees: 5 EUR/month

Exchange rates: Exchange rates are likely to include a markup

Fees for USD accounts in the Netherlands

You can often find a USD bank account in the Netherlands with no ongoing fees to pay, but there are usually some transaction fees to think about. Check your account fee schedule to make sure you understand the costs of your account before you transact. 

Here are some fees to look out for:

• Monthly maintenance fee: Some USD accounts might have a monthly fee. Not all accounts use this sort of ongoing charge – for a low cost alternative check out providers like Wise which don’t charge a maintenance fee.
• Fall below fee: A fall below fee applies on some accounts if you don’t hold the provider’s required minimum balance. This is common on premium type accounts from global banks – like the Barclays account we’ve looked at in this guide. To open a Barclays USD account you may need a deposit of 100,000 GBP or more to avoid this cost.
• ATM withdrawal fees: If your USD account has a debit card, check if ATM fees apply. Costs can be either a flat charge or a percentage of the withdrawal – and often taking money out overseas is far more expensive than in the Netherlands. Providers like Wise offer some no fee ATM use each month to help you lower your transaction costs.
• Foreign transaction fees: A foreign transaction fee can push up the costs of purchases in a currency you don’t have in your account by about 3%. This fee doesn’t usually apply on accounts like the Wise Account, which allow you to spend currencies you hold with no fees, and convert with low charges where needed.
• International transfer fees: Your bank might waive transfer fees from a foreign currency account but that doesn’t mean you pay nothing, as the exchange rate used might include a markup – a fee that’s not so easy to spot. Typically providers like Wise and Revolut can offer more competitive rates than many banks.

How to open a USD account in the Netherlands

The most convenient way to open a USD bank account in the Netherlands is online. 

Before you sign up to any USD account read through the eligibility criteria and application process. While this does vary a bit, it’s usually pretty similar across different banks and providers, including providing your proof of ID and a proof of address document for verification.

Here’s an outline of the USD account opening process:

With banks: For accounts from the international services of major banks, you can sometimes find an online application option, but you’ll need to upload all your documents and complete a comprehensive application form to get signed up. In some cases you need to arrange an appointment with the bank to talk through your options and confirm your eligibility before you can open an account.
With online providers: Specialist providers like Wise don’t have branch locations so you’ll complete your account application, verification and onboarding all digitally. You’re guided through the process by onscreen prompts and you’ll need to take a snap of your ID and address documents with your phone to get verified.

How to use your USD account in the Netherlands

Finally let’s look at how using a US dollar account can help you manage your US dollar payments and transactions with lower fees and less time spent navigating administration. 

• Send international money transfers: Send payments to the US and many other countries with just your phone, often with great exchange rates and low fees. Providers like Wise use their own payment network to make sure you get a super fast transfer time, too.
• Hold and exchange USD and EUR: Keep USD and EUR all in one account to make it easier to budget and plan across different currencies. Multi-currency accounts can also let you manage different currencies for things like saving for travel or to send a payment, too.
• Receive USD payments: Use your USD account to receive USD easily with local or SWIFT account information that the sender can use to initiate your transfer without needing to convert it to EUR .
• Use your debit card for spending and withdrawals: Use your USD debit card to spend and withdraw with low costs and no foreign transaction fees in many cases. Choose a provider like Wise and it’s free to spend a currency you hold sufficient balance in, and cheap to convert to any currency you might need to cover a purchase.

Conclusion

There are several different ways to open USD accounts in the Netherlands, depending on how you need to transact. 

You could pick a USD account from a bank like Barclays  if you’re looking to hold and save USD to diversify your investments, and need personal wealth advice. Local banks like ABN AMRO also offer ways to hold USD which can be handy for incoming and outgoing USD payments.

Or, as a more flexible alternative with broad multi-currency features you might prefer Wise which lets you hold USD along with EUR and 40+ other currencies. Use your account to send, spend, hold and receive USD for day to day payments, travel and bills, with low costs and great exchange rates.