How do new Dutch immigrants use bank cards reasonably?

When you open a new transfer account in a bank (account opening is generally free), you can generally get a chippas card (electronic cash card, chipknip) for free, you can directly debit the card (the store marked chiper), and you can also ask for a Master or Visa credit card (there is no difference between these two credit cards, that is, you can overdraw, and the interest is high if you don't repay in time. Please pay attention. In addition, it is very unlikely that students without wage income will be approved to apply for credit cards. Consider applying in China. ), these credit cards have more services, so the charges are also high. Be sure to ask clearly when opening a transfer account and a credit card.

If you don't ask for it, some banks only give you a withdrawal card, that is, only ATMs in the branches 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 one 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 or inform you to pick it up at the bank within one week, and then mail the password to you or inform you to pick it up at the bank within four weeks. So if you don't receive the card in time, you should go to the bank to apply for cancellation immediately to see if the address is wrong (if the owner's name is on the mailbox of someone living in the Netherlands, you must write down the name of the Dutch landlord: c/oXXX to avoid accidental investment losses). If it is not cancelled in time, the bank will be irresponsible if an accident happens, such as the card being fraudulently used.

If you open an account in a bank in city A, you can go directly to a bank in city B and enjoy the same services such as deposit and withdrawal and payment for free. If you move or move to another city, just go to the bank to 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 little-known small bank, because there are few branches, and it will be very inconvenient to go through the formalities and transfer money in the future. Among them are Fortis Bank, ABN Bank and ABN Bank, as well as many shops. 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 from our ATM, otherwise there may be a handling fee. Most cards have withdrawal restrictions (depending on the terms of the contract), such as no more than 500 euros a day and no more than 1500 or 2000 euros a week. Not only for security, but also to reduce the deposit amount of bank ATM. Therefore, be sure to understand the withdrawal restrictions and terms of your card, and try to take out large withdrawals in several days, each time not exceeding 500 euros.