Student Credit Cards Netherlands

Need a safe way to shop online, book travel, or cover monthly expenses as a student? A student credit card gives you spending flexibility and helps build your financial foundation — even with limited income. But not all student cards are the same. We’ll show you which credit cards are best for students in the Netherlands, how to qualify, and what to watch out for.

What Is a Student Credit Card?

A student credit card is a credit card specifically designed for students with limited income or no credit history. It offers basic credit functionality — usually with a lower spending limit, no annual fee, and simplified approval requirements. The idea is to help young adults manage small expenses, shop online securely, and begin building a responsible credit profile.

In the Netherlands, student credit cards are often issued by ICS, ABN AMRO, or bunq, and some prepaid or fintech cards also serve as student-friendly alternatives. These cards don’t come with luxury perks, but they offer fraud protection, global acceptance, and a solid starting point for learning how credit works — all while keeping risk to a minimum.

Can Students Get a Credit Card in the Netherlands?

Yes — students can get a credit card in the Netherlands, but the process depends on your residency status, income, and the type of card you apply for. Dutch banks and card issuers typically offer entry-level credit cards for students, especially those with a Dutch bank account and stable finances. However, international students may face more hurdles.

Basic requirements for Dutch and EU students:

• Minimum age: 18 years
• Valid Dutch address
• Active Dutch bank account (IBAN)
• BSN number (citizen service number)
• Proof of enrollment or part-time income (optional, but helpful)

For Dutch students or EU residents, these criteria are often enough to get approved for low-limit cards. Some banks may offer cards directly linked to a student checking account.

Challenges for International Students

If you’re a non-EU international student, getting a traditional Dutch credit card is more difficult. Many issuers require BKR checks, Dutch income, or long-term residency status — which most foreign students don’t have. Additionally, the lack of a Dutch credit history or permanent employment may trigger automatic rejections.

In these cases, the best alternatives are:

• Prepaid cards (e.g. from bunq, Revolut, or Wise)
• Virtual cards linked to EU wallets
• Co-signed or secured cards, if available via a Dutch sponsor

While these may not offer true revolving credit, they still provide essential features like online shopping, contactless payments, and budget control — without the risk of debt or credit checks.

How to Apply for a Credit Card as a Student in the Netherlands

Applying for a student credit card isn’t complicated — but approval depends on your residency, income, and type of card. Traditional banks may ask for financial proof, while prepaid and fintech providers make the process easier and faster.

Step-by-step guide:

1. Choose a suitable card – Decide between prepaid, secured, or student cards from Dutch banks.
2. Check eligibility – Review age, address, income, and residency requirements.
3. Open an account – Most cards require a Dutch IBAN or an account with the card issuer.
4. Verify your identity – Upload a passport/ID, sometimes with student proof or BSN.
5. Submit application – Fill out personal and financial details online or via app.
6. Wait for approval – Instant for prepaid, 1–5 days for credit-based cards.

Tips for success:

• If you don’t have income, consider prepaid cards or get a co-signer (if available).
• Be honest about your financial situation — overstating income can lead to rejection.
• Make sure your Dutch address and BSN are properly registered (especially for international students).
• Keep an eye on monthly repayment terms to avoid late fees or overdraft charges.
• Always read the fee structure — even free cards may have hidden costs for ATM use or currency conversion.

Once approved, use your card for online purchases, travel bookings, or recurring bills, and begin establishing a healthy credit habit early.

Types of Credit Cards for Students in the Netherlands

Students have different needs — and not all credit cards are suitable when you’re just starting out. Depending on your residency, income, and financial goals, here are the three main types of credit cards students can get in the Netherlands:

Prepaid Cards

Prepaid credit cards are the easiest option for students — especially international students. You load money onto the card in advance and can only spend what’s available. No BKR check, no risk of debt.

Best for

• Students without Dutch income
• Those who want full control over spending
• Online purchases, subscriptions, and travel

Popular options: bunq Easy Money, Revolut, Wise, Viabuy

Pros:

• No credit check
• Works like a real credit card (online + travel)
• Instant setup via mobile app

Cons:

• No credit building
• May include top-up or monthly fees

Secured Credit Cards

A secured credit card requires a refundable deposit — usually equal to your credit limit. You use it like a regular credit card, and your activity may be reported to credit agencies, helping you build a positive history.

Best for:

• Students who want to build credit
• Applicants with no income or poor credit
• Controlled risk with real credit features

In the Netherlands, secured cards are less common, but some fintech providers or EU-based services offer similar setups.

Pros:

• Can improve credit score
• Full credit card functionality

Cons:

• Deposit required
• Limited availability from Dutch banks

Student Credit Cards from Dutch Banks

Some traditional Dutch banks (like ABN AMRO, ING, and Rabobank) offer simplified credit cards to students with a Dutch bank account. These cards have lower limits (e.g. €500–€1,000) and sometimes no annual fee.

You may need to show proof of enrollment or part-time income, and approval often involves a BKR check. Still, if you’re a Dutch citizen or long-term resident, these are the most “normal” credit cards available.

Pros:

• Works everywhere (Visa/Mastercard)
• May include basic insurance or purchase protection

Cons:

• Requires income or Dutch residency
• Not suitable for international short-term students

Costs and Interest Explained

Even student credit cards with no annual fee can come with hidden costs. Understanding the potential charges helps you avoid surprises — and ensures the card actually benefits your budget instead of draining it.

Here are the most common types of fees students should watch out for:

1. Monthly or Annual Fees
Many student or prepaid cards advertise €0 annual fees, but some providers charge monthly maintenance fees — especially on premium fintech plans (e.g. €2.99–€9.99/month). Always check the terms.

2. Interest Rates (APR)
If you don’t pay off your full balance each month, interest applies. Rates for Dutch student credit cards typically range from 10% to 14% APR. Prepaid cards have no interest, since you’re not borrowing.

3. Foreign Transaction Fees
When spending in non-euro currencies (e.g. USD, GBP), most cards charge 1.5%–2.5% in foreign exchange fees. Some fintechs, like bunq Easy Green or Revolut Premium, offer 0% FX fees.

4. ATM Withdrawal Fees
Cash withdrawals with credit cards often trigger €2–€5 per transaction and may accrue interest immediately — avoid using credit cards for cash unless it’s urgent.

Monthly Cost Example

Usage Scenario	Fee Type	Amount
Card used for online shopping (€250/month)	Interest (paid full balance)	€0
Monthly card maintenance fee	Flat fee	€2.99
One purchase in USD (€100 equivalent)	FX fee (2%)	€2.00
One ATM withdrawal in EU	ATM fee	€3.50
Total monthly cost		€8.49

Key takeaway: Always aim to pay off your balance in full, avoid unnecessary cash withdrawals, and choose a provider with transparent pricing. Even “free” cards can become expensive if used carelessly.

Tips for Using a Student Credit Card Responsibly

A student credit card can be a smart financial tool — if used wisely.

Here’s how to avoid debt, build a good credit profile, and make the most of your card.

• Pay your full balance on time every month to avoid interest and late fees
• Use only what you can repay — treat it like a debit card, not free money
• Track spending regularly through the app or online banking
• Set a monthly limit to stay within budget and avoid overspending
• Avoid using the card for cash withdrawals, which often incur extra charges
• Don’t apply for multiple cards at once, as this can affect your credit score
• Choose cards with no annual fees and low or no foreign transaction costs
• Check statements monthly for errors, fraud, or subscriptions you forgot
• Keep card details secure, and never share your PIN or CVV code
• Use the card at least once a year, if required, to keep it active and free

Even small purchases — when repaid on time — help build trust with lenders and form healthy financial habits early in life.