Bank Like a Local — From Day One
Starting your au pair journey in the Netherlands should be exciting — not stressful. That’s why Culture Online partnered with bunq, a modern Dutch bank that lets you open a Dutch bank account before you receive your BSN. Arrive prepared, confident, and financially ready from day one.
Why Au Pairs Choose bunq
Most Dutch banks require a BSN (Citizen Service Number) to open an account.
As an au pair, you usually receive your BSN weeks after arrival.
bunq removes this waiting period.
With bunq, you can:
- Open a Dutch bank account without a BSN (for the first 90 days)
- Sign up right after arrival
- Start using your account immediately
You’ll receive:
- A Dutch NL IBAN
- A virtual card you can use right away
- Full access to the bunq app
👉 Learn more about opening an account without a BSN
Designed for International Au Pairs
- International & expat-friendly
- Available in English
- Fully online — no paperwork or bank visits
- Designed for expats, students, and au pairs
👉 Explore bunq’s expat banking
Ready to Use From Day One
- Free virtual card for online and in-store payments
- Start spending immediately after approval
- Optional physical card available
Get Paid Easily
- Share your Dutch IBAN with your host family
- Receive your monthly au pair allowance on time
- No delays or extra steps
More Than a Bank Account
- Pay in 16+ currencies with no hidden exchange fees
- Savings accounts and budgeting tools
- Optional stock investing
Why This Matters for Au Pairs
Having your bank account ready early means you can:
- Receive your allowance on time
- Pay for groceries, transport, and subscriptions
- Set up Dutch services more easily
- Feel independent and settled right away
Open Your Account in 5 Minutes
No BSN or Dutch address needed at first.
How it works:
- Download the bunq app
- Choose a personal account
- Verify your identity with your passport
- Get instant access to your account and virtual card
- Add your BSN later (within 90 days)
Important Reminder
Once you receive your BSN from the municipality, simply add it in the app to keep your account fully active.
👉 How to add your BSN
Culture Online × bunq
We recommend bunq because it removes one of the biggest stress points for new au pairs.
Arrive in the Netherlands prepared, confident, and not rushed.
👉 Open your bunq account now
Short FAQ
- Do I need a Dutch address? No, not initially.
- Is bunq safe? Yes. bunq is a fully licensed European bank.
- Is there a monthly fee? bunq offers a range of plans, including a free option - choose what fits you best.