Send money to the Netherlands from Ireland
Grey sends euro from your Irish balance into a Dutch bank account through SEPA. ING, ABN AMRO and Rabobank all receive it. Because both countries use the euro, nothing converts on the way and no rate applies. The fee is shown on the confirmation screen before you send.
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Euro into a Dutch IBAN, with no conversion
Ireland and the Netherlands are both in the eurozone and both in SEPA, so a payment between them is a transfer and not an exchange. The euro that leaves your Grey balance is the euro credited to the Dutch account. There is no rate applied in the middle, which means there is no margin sitting inside the transfer either. The fee shown before you confirm is the whole of what the transfer costs.
A lot of this corridor is commercial. Dublin and Amsterdam are two of the busiest business routes in Europe, and Irish companies buy a great deal from the Netherlands: logistics and freight handling through Rotterdam, horticulture and agrifood inputs, engineering parts, design and software work. Dutch invoices arrive with an IBAN on them and expect a bank credit, not a card payment, which is exactly what this corridor does.
The rest is personal and often educational. Irish students go to Dutch universities in numbers, to Groningen, Maastricht, Amsterdam and Utrecht, and a Dutch landlord or housing body wants rent and a deposit by bank transfer into an account beginning NL. Meanwhile Dutch nationals working in Dublin technology and finance send money back the other way, to a mortgage, a family account or savings.
Whichever of those you are, the recipient needs no Grey account. The credit appears in their Dutch banking app the same way a payment from a Dutch employer or a neighbour would.
Sending to the Netherlands in three steps
Sign up
Open a free Grey account in about five minutes on your phone. You verify once, with a valid identity document such as a passport or an Irish driving licence.
Fund
Move euro in by SEPA payment from AIB, Bank of Ireland, Permanent TSB, An Post Money or a credit union, and it stays in euro until you send it.
Send
Enter the Dutch IBAN, the one beginning NL. Check the fee, confirm, and the euro goes out to ING, ABN AMRO, Rabobank or whichever bank holds the account.
What it costs to send euro to the Netherlands
For a business the more useful question is not the cost of one transfer but the cost of a month of them. Dutch suppliers tend to invoice on terms rather than on the spot, which means several payments landing in the same week and then a quiet fortnight. Grouping what you can into single transfers, rather than paying each invoice the hour it arrives, is the simplest saving available on this corridor.
For a student household the equivalent is timing. Rent, a housing deposit and a health insurance payment often fall due within days of each other at the start of a Dutch academic year. Funding the balance once in advance, then sending each payment as it is confirmed, is cheaper and calmer than moving money from Ireland three times in a week.
Why no exchange rate applies here
Both ends of this corridor use the euro. Nothing converts, so there is no rate to fix, no margin to inspect and no second step waiting at the Dutch end. The amount you send is the amount credited, less the fee that was on screen before you confirmed. Describing it as anything more elaborate would be inventing a stage that does not exist.
A rate only enters the picture if you hold another currency with Grey. USD, provided by Lead Bank, and GBP sit alongside your euro balance, and Irish contractors invoicing British or American clients often hold both. Converting either into euro happens once, inside Grey, with the rate and the fee shown before you confirm and the rate fixed at that moment.
Grey against a SEPA transfer from your Irish bank
AIB, Bank of Ireland and Permanent TSB all reach a Dutch IBAN through SEPA, so this comparison is not about whether the money can get there. It is about what you are charged, whether you see that charge before committing, and what you can do around the transfer. Grey shows the fee on the confirmation screen, keeps saved recipients so a repeat supplier payment takes seconds, and tracks the transfer to settlement. Plenty of people in Ireland already use Revolut for European payments and this is not an argument about which app stays on your phone. What Grey adds is a euro balance alongside USD provided by Lead Bank and GBP, a virtual Mastercard for online payments, and GreyTag for free instant transfers between Grey users.
What your recipient sees in the Netherlands
A euro credit lands in the Dutch bank account through SEPA and looks like any other incoming payment. No Grey account is needed at that end, and nothing is collected.
Payout to the Dutch IBAN
ING, ABN AMRO and Rabobank all receive. You enter the IBAN beginning NL in the Grey app, and that is the only detail the transfer needs.
SEPA and SEPA Instant
SEPA Instant settles in under ten seconds where available, at any hour. Grey uses it for eligible transfers, and an ordinary SEPA credit typically lands within minutes.
GreyTag between Grey users
If the person or the contractor in the Netherlands also uses Grey, send to their tag instead of the IBAN. It is free, immediate, and no IBAN changes hands.
Ways to put money into your Grey account
Business and household senders on this corridor tend to settle into different rhythms, and both are easy to keep.
Before a payment run
Fund once for the Dutch invoices falling due that week, then release each one from the balance as it is signed off.
Monthly, for a household
Rent in Amsterdam or Utrecht falls on a fixed date. A standing euro transfer from your Irish bank keeps the balance ahead of it.
From currencies already held
Euro held on the balance goes out at once, and USD provided by Lead Bank or GBP can be turned into euro first, priced on screen.
Save each Dutch IBAN as you use it. Suppliers, landlords and housing bodies rarely change their details, so the information you enter once carries you through the rest of the relationship.
What people send from Ireland to the Netherlands for
Paying Dutch suppliers
Freight and customs handling out of Rotterdam, horticulture and agrifood inputs, engineering components. Invoiced in euro with an IBAN and settled in euro without a conversion.
Contractors and agencies
Irish firms paying Dutch designers, developers and consultants, often monthly against a timesheet. A saved recipient turns each month into an amount and a confirmation.
Student rent and deposits
Irish students in Groningen, Maastricht, Amsterdam or Utrecht paying a housing body, a private landlord or a deposit that has to clear before a key is handed over.
Family and savings at home
Dutch nationals working in Dublin sending money back to a mortgage, a family account or savings, into the ING or Rabobank account they have always had.
Four uses cover most of this corridor, and the business ones are heavier here than on almost any other Irish route.
Why send to the Netherlands with Grey
Nothing about this corridor is complicated, and the page has not pretended otherwise. Two eurozone countries, one network, a credit that arrives in a Dutch account looking exactly like every other credit in it.
What Grey supplies is the work around the transfer: a euro balance topped up when it suits you, a fee shown before you commit, recipients saved for the next invoice, and a payment you can follow until it settles.
FAQs
Does a transfer from Ireland to the Netherlands get converted?
No. Both countries use the euro, so the amount you send is the amount credited to the Dutch account, less the fee.
Which Dutch banks does Grey pay into?
ING, ABN AMRO and Rabobank all receive euro through SEPA. You enter the IBAN beginning NL and nothing else.
Can I pay a Dutch supplier invoice from my Grey balance?
Yes. Dutch invoices carry an IBAN and expect a bank credit, which is exactly what this corridor sends from your euro balance.
How fast does euro reach an ING or Rabobank account?
Where SEPA Instant is available it settles in under ten seconds, and an ordinary SEPA credit from a funded balance arrives within minutes.
Does the recipient in the Netherlands need a Grey account?
No. The euro lands in their existing Dutch bank account as an ordinary incoming payment. They install nothing.
Can I pay student rent or a housing deposit in Groningen?
Yes. Enter the landlord or housing body's Dutch IBAN and send the euro. Deposits clear the same way rent does.
Do I need euro sitting on Grey before I pay a Dutch IBAN?
Yes. A euro SEPA payment from AIB, Bank of Ireland, Permanent TSB, An Post Money or your credit union tops it up before the Dutch IBAN is paid.
What if I hold dollars or sterling instead of euro?
Convert to euro inside Grey first. The USD balance is provided by Lead Bank, and the conversion rate is fixed when you confirm.
Can I reuse the same Dutch IBAN every month?
Yes. Save the recipient once and each later payment is an amount and a confirmation, which suits monthly contractor invoices.
What if my Dutch contractor also uses Grey?
Send to their GreyTag instead of the IBAN. Grey to Grey transfers cost nothing, settle in seconds and work in any supported currency.
Can I show a Dutch supplier that payment was sent?
Yes. Transfers are encrypted and trackable from the moment you confirm until they settle in the Dutch account.
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