A current account can be opened at some banks, without the need for a social security number (“Burger Service Nummer”, or BSN). These banks are ABM AMRO and Rabobank. Generally, you will need to schedule an appointment and in most cases you will be provided with a card right away. The PIN code will be sent to you later. With this card, you can pay (often also wireless) at PIN devices or take out cash at an ATM. Credit cards are not commonly used for paying in the Netherlands. Hotels, car rentals and travel agents do accept them, but take note that most PIN devices in supermarkets and stores do not take credit cards! In the Netherlands the IBAN system is used, making international transactions easier. Furthermore, every Dutch bank account has a swift/BIC code for cross-border transactions.