However, ASN is the only Dutch bank that allows you to open and operate an account without owning and iOS or Android-based smartphone.
All other banks only allow you to open an account via their app.
All other banks only allow you to open an account via their app.
https://www.abnamro.nl/en/personal/payments/open-an-account/...
Incidentally I was happy to see that while they're phasing out their previous cryptographic identification device (that you put your bank card in) they will still support some kind of cryptographic usb dongle (in addition to smartphones).
When I wanted to open a second account a few months back, ABN is the only bank I have not tried because, well, I have my first account with them... I could not find similar option with any other, though.
But look at the pages more carefully, and you'll note that there is a way to open an account using just a web browser too (e.g., look at abnamro.nl). The links are deemphasised by using dark UI patterns of course.
ING is being really dirty about this. It should be possible to open an account, and get the OTP hardware device that reads the chip on the debit card, but they don't document how you can open an account without the app. It's probably possible, as existing customers can bank without the app, but you will probably have to call them.
Banks would love to get rid of all those nasty people without approved smartphones, but that would cause political pushback.
TIL all Dutch banks (except ASN) closed all their branches and you can't register new account in the branch, what a progressive society it must be...