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Pay by Bank in the Netherlands for online merchants

Let customers authorise a bank payment and connect it to their order. Explore Pay by Bank alongside iDEAL | Wero, check account availability and find the right Wallid integration for your business.

What is Pay by Bank?

Pay by Bank uses open banking to initiate a payment from a customer’s bank account. The customer selects their bank and authorises the payment in its app or online banking service.

For a merchant, the payment journey can be linked to the checkout and order status. This differs from displaying an IBAN and asking customers to create a separate manual transfer.

Bank connections to check for your Netherlands checkout

Bank coverage describes the customer’s paying account. Merchant registration, receiving-account requirements and business eligibility are checked separately.

The following account connections are listed for payment initiation. The banks and account types available to your store are determined during onboarding.

Map highlighting the Netherlands in purple, with neighbouring countries in pale grey

22 bank connections · availability to confirm

  • Revolut

  • ABN AMRO

  • Triodos

  • ING

  • ASN Bank vh SNS Bank

  • ING Wholesale Banking (InsideBusiness)

  • N26

  • Knab

  • bunq

  • Wise (former Transferwise)

  • Handelsbanken

  • Handelsbanken Corporate

  • Rabobank

  • ASN Bank vh RegioBank

  • ASN Bank

  • Wamo.io

  • Juni

  • FINOM

  • Swan

  • Mollie Business

  • NN Bank

  • Airwallex

Bank-connection directory checked 4 November 2026. Personal, business and other connections can differ in availability. Confirm the account and payment setup your customers need before activation.

Looking for an iDEAL alternative?

There are two different questions: what happens as iDEAL migrates to Wero, and whether another bank-payment option fits your checkout.

iDEAL is transitioning to Wero. Open banking Pay by Bank is a separate option to assess. A Pay by Bank integration does not automatically provide iDEAL or Wero acceptance.

Looking for an iDEAL alternative?
OptionWhat to compare
iDEAL | WeroYour provider’s integration, migration, fees and features
Open banking Pay by BankCustomer banks and accounts, authorisation, payment status and integration
Manual bank transferBank charges, payment references and matching funds to orders
SEPA InstantThe accounts and route that support instant euro transfers, separately from checkout functionality

Compare the complete service and total cost. A percentage-based Pay by Bank rate is not automatically cheaper than a fixed iDEAL or Wero fee.

Pay by Bank fees

Wallid’s published standard EUR rate is 1% + €0.30 per successful payment.

Pay by Bank fees
Payment amountStandard Wallid transaction fee
€100€1.30
€1,000€10.30
€10,000€100.30

Applicable VAT and platform fees are additional. Successful refunds are charged separately. See current pricing and conditions, including volume enquiries.

Compare the same basket value and monthly volume, accounting for caps, subscriptions and refunds. For high monthly volumes, share your payment count and average order value when requesting commercial terms.

Large EUR payments: costs and bank limits

At Wallid’s standard EUR rate, a €10,000 payment costs €100.30 before applicable VAT and platform fees. For a high-value order, compare this with your provider’s fixed or percentage-based iDEAL | Wero fee and manual-transfer charges.

For customers paying from a Netherlands account, confirm the payment-initiation limit, daily allowance and authorisation steps for their exact bank connection. The directory’s personal/business labels do not establish a maximum checkout amount.

Business accounts for B2B payments in the Netherlands

Business-account entries in the Netherlands directory include ING Wholesale Banking (InsideBusiness) and Handelsbanken Corporate. Confirm the customer’s account, permissions and any additional authorisation steps during onboarding.

For store operations, explore Shopify reconciliation.

Payment approval and funds availability

Customer authorisation, confirmed payment status and funds arriving are different events. Timing depends on the banks, route and setup; some EUR payments take longer than an instant journey.

Check the status your integration requires before marking an order paid or releasing goods. See the Wallid operational FAQ.

Choose your Netherlands payment setup

Choose your Netherlands payment setup
Your setupNext step
Shopify storeExplore the Shopify Pay by Bank app
WooCommerce storeExplore the WooCommerce plugin
Custom checkout or platformExplore the Pay by Bank API
Specialist or high-risk businessReview merchant eligibility
High monthly payment volumesReview pricing and volume enquiries

Have your platform, business location, product range, receiving account, expected payment amounts and monthly volume ready when discussing your setup.

Netherlands Pay by Bank questions

This page describes open banking Pay by Bank. Comparing methods does not establish native iDEAL or Wero support. Confirm the exact methods for your setup.

Complete coverage is not established by this directory. Check the exact bank connection, account and integration your customers need. The connections available to your store are determined during onboarding.

It depends on the provider and terms. Compare fixed fees, percentages, caps, platform costs and refunds for the same basket and volume.

Some listed connections include business accounts. Confirm the specific account, permissions and authorisation requirements before relying on it.

No. Banks and providers can apply limits and checks. Discuss the largest expected payment before activation.

No. The banks, accounts, route and checks affect timing. Customer authorisation alone is not confirmation that the funds have arrived.

Applications are reviewed individually. Ask for a review of your business, products and receiving-account setup before choosing a method. A bank connection does not establish merchant eligibility.

No. Customer-bank connections, merchant registration, receiving-account requirements, payment currency and category eligibility are separate checks.

Choose your Wallid integration

Explore Pay by Bank for your platform, review pricing or contact us to confirm availability for your business.

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