when you open a new transfer account in a bank (it is generally free to open an account), you can generally get a chippas card (electronic cash card, chipknip) for free, and you can directly debit the card (a store marked with chiper), or you can ask for a Master or Visa credit card (there is no difference between these two credit cards, that is, you can overdraw, and if you don't repay it in time, the interest will be high. Please pay attention. In addition, it is very unlikely that students who have no wage income will be approved to apply for a credit card. Consider applying in China. ), these credit cards have more services, so the fees are also high. When opening a transfer account and a credit card, be sure to ask clearly

If you don't ask for it, some banks only give you a withdrawal card, that is, only ATMs in the branch of the bank can withdraw money, even ordinary ATMs on the street can't, and the scope of use is much smaller. Please note that at least a chippas card is required. So when you go through the formalities, you should carefully ask about any possibility.

after opening an account, the bank will mail the card you applied for directly to you within one week or inform you to get it from the bank, and then mail the password to you within four weeks or inform you to get it from the bank. So if you don't receive the card in time, you should immediately go to the bank to apply for cancellation to see if the address is wrong (if there is the owner's name on the mailbox of someone who lives in the Netherlands, you must write down the name of the Dutch landlord: c/oXXX to avoid accidental investment and loss). If it is not cancelled in time, and an accident happens, such as the card being fraudulently used, the bank will be irresponsible.

if you open an account in a bank in city a, you can go directly to the bank in city b and enjoy the same services for free, such as depositing and withdrawing money, paying bills, etc. If you move or move to another city, just go to the bank and register your new contact address. The bank will send the information and bills home in time, so it is necessary to change the mailing address in time to ensure effective contact.

Try not to open an account in a small bank that is not well-known, because there are few branch stores, and it will be very inconvenient to handle formalities and transfer money in the future. Some of them are Fortis Bank, ABN-AMROBank and ING Bank, and there are many stores. There is also Postbank, which is actually a banking service launched by Dutch Post. Most post offices can handle relevant procedures and services, which is also very convenient.

try to withdraw money at the ATM of our bank, otherwise there may be a handling fee. Most cards have withdrawal restrictions (different, depending on the terms of the contract), such as no more than 5 euros a day, no more than 1,5 euros or 2, euros a week, etc., not only for safety, but also to reduce the amount of deposits in bank ATMs. Therefore, be sure to understand the withdrawal restrictions and terms of your card, and take out large withdrawals in several days as far as possible, each time not exceeding 5 euros.