Best AUD accounts in the Netherlands 2026

Opening an AUD account in the Netherlands can be a smart plan for Australians living in the Netherlands, international students, business owners and frequent travelers. Whether you’re receiving rent from Australia to the Netherlands, sending money down under to cover bills there, or spending AUD during vacations, an AUD account may help you cut your costs.

There are different AUD account types, depending on your transaction needs, from digital providers like Wise, and from Dutch banks. This guide covers all you need to know to help you choose the best AUD currency account for you.

What is an AUD currency account?

An AUD currency account is an account from a bank or a digital provider which lets you hold Australian dollars.

All AUD accounts let you hold Australian dollars – but other features might vary quite a lot. Some AUD accounts are single currency options supporting AUD only, while others allow you to hold many other currencies including EUR in the same account. You might also be able to earn interest, send payments, receive local AUD transfers or get a debit card, depending on the account you pick.

What can you do with an AUD account in the Netherlands?

We’ll cover some of the most popular AUD account options available for residents of the Netherlands in this guide – but first, let’s look at why you might want one.

Here are some common uses for an Australian dollar account:

• Hold and convert an AUD balance: Receive and hold AUD payments, or store up AUD in advance of paying a bill or taking a trip to Australia. You can convert to and from AUD conveniently in most Australian dollar accounts, in just a few taps of the provider’s app.
• Receive payments in AUD: Some AUD accounts offer local AUD account information, so you can receive fast AUD transfers which are often also cheap or free for the person sending the payment. Or, you may get SWIFT information to receive AUD as a cross border payment instead.
• Send payments in AUD: Send money with an AUD account to cut the costs associated with cross border payments, whenever you’re sending a payment to an Australian bank account.
• Spend and withdraw AUD: Accounts from providers like Wise and Revolut offer a debit card, which you can use to spend your AUD balance in Australia with no extra fees, or to make cash withdrawals in Australia and other countries easily.

Types of AUD accounts

AUD accounts have been designed to fit different customer needs, including options for daily use and others for saving and investing in foreign currencies as a diversification strategy. Generally the options available are either multi-currency products or single currency options – here’s the lowdown on each.

Multi currency accounts: Hold AUD along with anything from a handful to dozens of other currencies side by side in one account, to make it easier to track your overall balance, convert between currencies and make payments in the Netherlands, Australia and wherever else you may choose to.

• Wise Account: Hold 40+ currencies, and get local account details for receiving 8+ currencies including AUD, and SWIFT details for receiving 20+ currencies easily.
• Revolut Account: Hold 25+ currencies with a linked debit card to spend and withdraw, and get SWIFT account details to receive Australian dollars to your account.
• Airwallex Account: Business account supporting 20+ currencies including AUD and EUR, with ways to receive customer bank and card payments online.

Foreign currency accounts: Foreign currency accounts support only 1 currency – so in this case AUD – although you can often also open additional accounts in other currencies if you’d like to. These products often come from banks and are aimed at people who want to save or invest in a foreign currency.

• ING Foreign Currency Account (Business): Business-only account available in 24 currencies including AUD, allowing companies to receive and make payments in the same currency as international partners for €6 per month.
• ABN AMRO Foreign Currency Account: Single-currency account available in 27 currencies including AUD, offered alongside a euro current account for €5 per month to hold and transfer foreign currency.

Best AUD currency accounts in the Netherlands

The good news is that there are quite a few options for AUD currency accounts in the Netherlands. However, this does also mean you’ll need to do some research to pick the right one for you.

Providers like Wise or Revolut have multi-currency account and card services for individuals and businesses. These can be flexible to use, supporting many currencies – but you won’t get any branch or face to face support.

Banks like ING or ABN AMRO offer accounts for sending payments or saving. If you want to earn interest on your AUD savings, a bank foreign currency account may be a good fit, but you probably won’t get a debit card which means this account isn’t ideal for travel or daily use.

Finally, providers like Wise, Revolut and Airwallex also have multi-currency business accounts which support AUD, EUR and many other currencies for online, digital and other businesses.

Here we’ve selected some different providers and banks offering AUD 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 AUD account in the Netherlands works.

	💡 At a glance
Wise Account	Hold and exchange AUD and 40+ other currencies, spend with a Wise Multi-Currency Card in 150+ countries, send and receive payments globally in EUR, AUD and more.
Revolut Account	Choose from 5 different account plans which all offer a debit card, and support 25+ currencies for holding and withdrawal. Travel perks available on some account tiers.
ABN AMRO Foreign Currency Account	Single-currency account available in 27 currencies including AUD, offered alongside a euro current account for €5 per month to hold and transfer foreign currency.
ING Foreign Currency Account	Single-currency business account available in 24 currencies including AUD, allowing companies to receive and make payments in foreign currency for €6 per month.
Airwallex Account	Business account supporting AUD, EUR and 20+ other currencies for holding and exchange, with low conversion costs and great exchange rates.

Wise Account

Open a Wise Account online or in the Wise app, for personal or business use, and hold AUD 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, AUD and more.

Accounts offer local and SWIFT details to receive payments, with no fee to receive AUD to your Wise account using your local account information.

• Hold and exchange AUD and 40+ other currencies
• Mid-market currency exchange with low, transparent fees
• Use your Wise Multi-Currency 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: AUD, EUR and 40+ other currencies

Monthly fees: None

Exchange rates: Mid-market exchange rates

*About Wise pricing: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.

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 60 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 AUD. You won’t get local account details to receive AUD payments, but you do get SWIFT account information to receive Australian dollars that way.

• 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: AUD, EUR and 25+ other currencies

Monthly fees: Personal customers pay 0 EUR – 60 EUR/month, business customers 10 EUR – 90 EUR/month

Exchange rates: Weekday currency exchange uses the Revolut rate to plan limits, then fair usage fees of up to 0.5% apply. Weekend exchange may attract an extra fee up to 1%.

ING Foreign Currency Account AUD Account

Open an ING Foreign Currency Account to hold and manage funds in 24 different currencies including AUD. The account is designed for business customers who receive or make payments in foreign currencies and want to reduce repeated conversion costs.

The account must be linked to an ING Business Account and does not include a debit card or cash services, making it suitable for international payments rather than everyday spending.

• Available in 24 currencies including AUD
• Receive and make payments in the same currency as international trading partners
• Decide when to convert foreign currency to euros

Account opening fee: None

Eligibility criteria: Available to ING business customers with an eligible Dutch business account

Supported currencies: 24 currencies including AUD

Monthly fees: €6 per month (excluding fees for the linked business account)

Exchange rates: ING exchange rates apply when converting currencies and may include a markup

ABN AMRO Foreign Currency Account

Open an ABN AMRO Foreign Currency Account to hold funds in one foreign currency alongside a euro current account in the same name. The account is available to private and business clients and supports 27 different currencies including AUD.

Payments are made and received via internet banking in the currency of the account, and no debit card or cash deposits are available.

• Available in 27 currencies including AUD
• Hold and transfer foreign currency without immediate conversion to euros
• Choose when to convert your balance back to euros

Account opening fee: €0

Eligibility criteria: Must hold an ABN AMRO current account in the same name

Supported currencies: 27 currencies including AUD

Monthly fees: €5 per month

Exchange rates: ABN AMRO buy and sell rates apply when converting currencies and may include a margin over the mid-market rate

Airwallex Business AUD Account

If you need an AUD account for business purposes, an Airwallex Business AUD Account could help you take customer payments online, with corporate debit and expense cards for business spending online and in person.

Airwallex accounts are designed for internationally operating businesses and ecommerce companies in particular, offering great exchange rates with low fees and a wide network for local and international payments.

• Receive, hold, send and spend 20+ currencies
• Open Global Accounts with local bank details to collect payments from customers in their preferred currency
• Business tools including batch payments, corporate cards, expense management, and integrations

Account opening fee: None

Eligibility criteria: Available to eligible EU and Dutch-registered businesses, subject to identity checks and business verification

Supported currencies: 20+ including EUR and AUD

Monthly fees:

• 0 EUR or 19 EUR/month (Explore plan, 0 EUR if you deposit at least 10,000 EUR per month or maintain a 10,000 EUR minimum balance)
• 49 EUR/month (Grow plan)
• From 999 EUR/month (Accelerate plan)

Exchange rates: Interbank rates with a fee of 0.5% for major currencies and 1% for less commonly traded currencies

Fees for AUD accounts in the Netherlands

Many AUD accounts in the Netherlands offer no ongoing fees and low transaction costs. But they’re not usually completely free. Instead, fees can apply depending on how you transact, and what balance you hold, for example. Before you sign up to any AUD account you’ll need to check through the fees for the types of transactions you make frequently – and any ongoing fees you need to pay – to make sure you understand your responsibilities.

Here are some fees to look out for:

• Monthly maintenance fee: Ongoing fees which may be called maintenance or service fees can apply no matter how frequently you actually use your AUD account. This can drain your balance if you’re not expecting it. If you want an account with no monthly fee 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, and is common on premium type accounts from global banks.
• ATM withdrawal fees: If you’re looking for an AUD account for everyday use, a product with a linked debit card is an essential. However, ATM fees may apply locally or internationally and might be a flat charge or a percentage of the withdrawn amount. Providers like Wise and Revolut offer some no fee ATM use each month to help you lower your transaction costs.
• Foreign transaction fees: If you’re spending in a currency you don’t hold in your account you might need to pay a foreign transaction fee of around 3%. This fee doesn’t usually apply on accounts like the Wise Account or products from Revolut, but is common with bank debit and credit cards.
• Wire transfer fees: Your bank might waive wire transfer fees 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 an AUD account in the Netherlands

The way you open an AUD account depends on whether you choose a Dutch bank or a digital provider. Before applying, check the eligibility criteria and make sure you have the required documents, such as proof of identity and proof of address.

If you are from outside the EU/EEA, you may need a valid residence permit and BSN (burgerservicenummer). In some cases, a long-stay visa (MVV) may be required before you receive your residence permit. Non-EEA applicants are typically asked to provide their Dutch address and BSN within a set period after opening the account.

When opening an account in person with a Dutch bank, you will usually need:

• Valid ID (passport or EU identity card)
• Proof of Dutch address
• Your BSN
• Residence permit if applicable

Digital providers allow you to apply online, but you will still need to upload ID and complete identity verification.

With banks: Dutch banks may require you to attend an appointment in person, especially for foreign currency accounts such as those from ING or ABN AMRO. During the appointment, a bank representative will guide you through the process and verify your documents. Approval may take a few working days depending on the checks required.

With online providers: Providers like Wise, Revolut and Airwallex manage your account application, verification and onboarding digitally, so all you need is a smart device or laptop. You don’t even need to leave home. Instead, just complete the information following the prompts on the application screen and then upload clear images of the documents required to support your application. Accounts may be verified instantly or it may take a couple of days.

How to use your AUD account in the Netherlands

Living internationally can be expensive. If you’re an expat or international student in the Netherlands – or if you’re a frequent traveller, business owner or digital nomad, using an AUD account to manage your Australian dollar payments and transactions can help reduce the fees you pay for currency conversion and other cross border services.

Here are some ways expats commonly use their Dutch based AUD accounts:

• Send international money transfers: If you’re making transfers to Australia from the Netherlands, an AUD account cuts out admin time and can also help you lower the costs. Providers like Wise use their own network to move money quickly and with low fees, which can mean your payment arrives quicker compared to using your checking account.
• Hold and exchange AUD and EUR: For many people living an international lifestyle, managing different currencies is a day-to-day need. With an AUD multi-currency account you can see your AUD and EUR balances at a glance to keep on top of all your payments and transactions more easily.
• Receive AUD payments: Some AUD accounts offer local AUD account details to receive and hold AUD easily. Local transfers like this often cost nothing to receive, and can also be cheap or free for the sender. Get your money in AUD and then convert or spend whenever you like.
• Use your debit card for spending and withdrawals: For daily use, an AUD account with a debit card can be handy – allowing you to spend when you travel or when you’re shopping with Australian retailers online. It’s usually free to spend a currency you hold, or cheap to convert to AUD if you need to, if you choose a multi-currency account with a provider like Wise or Revolut.

Conclusion

AUD accounts are popular with Netherlands based expats, business owners, and international students – and can also be handy for Dutch residents who travel to Australia often for business or leisure. You can open an AUD account from a Dutch bank like ABN AMRO and ING, or a specialist provider like Wise, Revolut or Airwallex, but the features and fees you get can vary enormously.

AUD accounts from banks tend to focus on customers who want to save or make payments in AUD, while providers like Wise offer more flexible accounts to send, spend, and hold AUD along with EUR and 40+ other currencies. Compare your options looking at features, fees, convenience and currency availability, to see which account type is the best fit for you.

Useful resources:

• Revolut Personal Pricing Plans – Revolut Netherlands personal account plans, fees and feature descriptions
• Revolut Business Pricing Plans – Revolut business account plans and pricing
• Wise Pricing & Fees – Wise account features, supported currencies and up-to-date fee information
• ING Foreign Currency Account – ING business foreign currency account details, supported currencies and pricing
• ABN AMRO Foreign Currency Account – ABN AMRO foreign currency account information, fees and supported currencies
• Airwallex Pricing – Airwallex business account descriptions and fee structure