What every bank asks
- Identity: your US passport, verified by video or at a branch.
- The company: KVK extract; with a BV also the deed and the ownership chart.
- The story: what you sell, to whom, expected volumes — one clear paragraph beats ten attachments.
- US status: banks report US-person accounts under the automatic exchange framework (FATCA); you provide your US taxpayer number on the standard form and the process continues normally.
The remote route
Digital business banks complete the whole onboarding online: upload, video identification, account live — typically within days. Traditional banks add branch service and cash handling for founders who want them. Open the account right after KVK registration, deposit the €4,500, and the accountant’s statement for the IND follows the same week: the step-by-step sequence.
Personal account alongside
Your personal Dutch account follows once the citizen service number (BSN) is in: salary from your BV, rent, insurance premiums. Keeping business and personal strictly separate from day one keeps the bookkeeping clean and every renewal statement effortless: DAFT renewal.
When a bank hesitates
A pending application is normal at the very start; the sequence solves it: register the company first, bring the endorsement-sticker page, and lead with the business story. Founders in specialised sectors add a second option in parallel — two applications cost the same afternoon and one approval is all you need.
More on your company
- Sole proprietorship or BV: which vehicle carries the permit
- Incorporating your BV on the treaty
- BV and holding: the structure that grows with you
- Keeping your US LLC alongside the Dutch BV
- What kind of business qualifies under DAFT
- The DAFT route explained: what the treaty gives, and what it asks
- The requirements checklist: every condition and document
All twenty-one guides sit together on the DAFT hub, grouped the way the route itself runs.