Coming soon

Money, made simple.

A Dutch IBAN account and low-cost payments, in your own language. Built for everyone who lives and works in the Netherlands, especially newcomers.

A personal account with a Dutch NL IBAN, a debit card and an app in 29 languages.

Accept payments with iDEAL, cards and payment links, with clearer and lower fees than the big platforms.

Why 123?

The app, support and every document in 29 languages.

We know the Dutch system and the problems newcomers face when opening an account.

No hidden costs. Every fee is published before you start.

Accounts and payments will be provided by a licensed European financial institution under supervision.

1
Join the waitlist
Leave your name and e-mail address. It is free and without obligation.
2
Verify your identity
At launch, you verify your identity in the app in a few minutes.
3
Start using your account
Get your NL IBAN, receive your salary and pay with your card.

Join the waitlist and we will let you know as soon as 123 Money and 123 Pay open.