Move to the Netherlands

Registration & Getting Your BSN (Tax Number)

If you plan to stay in the Netherlands, you must register at the local municipality (Gemeente) within 5 days of arrival. It’s even better if you book your appointment before arriving, as waiting lists can be long.

BSN vs. RNI – What’s the Difference?

• BSN (Burgerservicenummer) – Your tax and personal identification number in the Netherlands. You need this for work, banking, health insurance, and more.

• RNI (Registratie Niet-Ingezetenen) – This is the same number as BSN but for people who don’t have a permanent address yet. You can apply for RNI at any designated municipality, not just the one where you plan to live.

Documents You Need for Registration:

Valid passport (or EU ID card)
Birth certificate, officially translated into English or Dutch (apostille may be required)
Proof of address (rental contract or written permission from your host, if available)

Good to know:

• If you don’t have an address yet, you can still register with your home country address. However, you must update it within 4 months once you find permanent housing.

• Your first address registration must be done in person, at the Gemeente closest to your new address. After that, you can update your address online.

Common Mistakes to Avoid

Not booking your registration in advance – Some city offices have waiting lists of 1-2 months, meaning you may need to travel 2-3 hours to another city with availability. Call ahead before arriving in the Netherlands and schedule your appointment early.

Forgetting required documents – Missing your translated birth certificate or proof of address can delay your registration. Some municipalities require an apostille stamp, so check the rules before arriving.

Not updating your address on time – You must report your address change within 5 days after moving (or up to 1 week before).

Residency Permits – Do You Need One?

EU/EEA Citizens – No residence permit is required, but registration is mandatory.
Non-EU/EEA Citizens – You need a valid residence permit (MVV). For visa and residency details, check the official IND website

Average mobile subscription cost – Around €20 per month.

Example of a Dutch IBAN format:
NL91 ABNA 0417 1643 00
NL – Country code
ABNA – Bank code (can be RABO, INGB, SNSB, BUNQ, etc.)

iDEAL – The most popular online payment system in the Netherlands. It allows secure, direct bank transfers for online purchases using your Dutch bank account. Most Dutch stores do not accept credit cards, so iDEAL is essential!

Tikkie – A popular payment app for sending and receiving money quickly via WhatsApp, SMS, or a payment link. Perfect for splitting bills and everyday payments.

Geldmaat – The standard ATM network in the Netherlands, replacing ING, ABN AMRO, and Rabobank ATMs. Recognizable by its yellow color.
Pro Tip: Geldmaat doesn’t charge fees, but ATMs like Euronet can charge €3-5 per withdrawal. Sometimes your bank also charges fees, BUNQ €1 per transaction, Revolut 2% after €200/month.

What is DigiD?

DigiD is your digital identity in the Netherlands. You’ll need it for:
Filing taxes and receiving financial benefits
Registering for health insurance and medical services
Applying for government services like permits and allowances

How to Apply for DigiD:

1 Go to digid.nl
2 Enter your BSN, Dutch phone number, and postal address
3 Verify your identity via SMS or a letter sent to your address

Getting a Dutch Phone Number

You need a Dutch phone number for work applications, government services, and online banking. Dutch SIM cards require ID verification, so you can’t buy them anonymously.

Subscription vs. Prepaid – You can choose a contract (cheaper long-term) or a top-up SIM card to start.
Job applications – Many employers won’t call you back if they see a foreign number. Having a Dutch number increases your chances.

Opening a Bank Account 

To receive your salary and pay bills, you’ll need a Dutch IBAN. Technically, any EU IBAN works, but in reality, many employers and landlords require a Dutch bank account.

Best Banks for Expats

Revolut – Easiest to open, now offers a Dutch IBAN, but only provides a Visa/Mastercard (not Maestro). Works for 80% of transactions.

bunq – A Dutch startup with the best mobile banking app. Includes:

• NL IBAN & iDEAL support

• Maestro card for 100% acceptance in Dutch stores

ABN AMRO – A traditional bank that allows account opening even without a Dutch address.

Best Traditional Bank? Rabobank – Offers the best mortgage rates, which may be useful if you plan to buy property in the future.

Health insurance is mandatory from your first working day, and you must arrange it yourself.

• Costs around €150 per month

• Can only be changed once per year (effective Jan 1)

• Insurance card is sent to your home address (including abroad), but a digital card is also valid

How Does Health Insurance Work?

• You don’t need Dutch health insurance before working—an EU Health Card (EHIC) or travel insurance covers emergencies.

• From Day 1 of your job, you must apply for Dutch health insurance.

• You choose a provider and pay monthly (prices vary by coverage).

• Standard deductible (€385 per year)—you pay for care until reaching this limit, after which insurance covers the rest.

Example: A hospital bill of €5,000? You only pay €385, insurance covers the rest. But if you visit a doctor frequently, you pay each visit until reaching €385 in a year.

Major Dutch Health Insurers:

1. Zilveren Kruis – One of the largest insurers, with broad coverage options and competitive pricing.

2. VGZ – Covers a variety of treatments, including alternative medicine.

3. Menzis – Known for good customer service and international support.

4. CZ – Offers flexible packages and strong mental health coverage.

5. DSW – Smaller but highly rated for transparency and service.

6. ONVZ – Premium health insurance provider with extensive coverage options.

7. Salland Zorgverzekeringen – Regional insurer with personalized service.

Common Mistakes to Avoid

Forgetting to apply after getting a job → Can result in fines.
Not getting dental insurance → Dental is NOT included in basic coverage.
Choosing the wrong deductible → Higher deductible = lower monthly costs, but higher upfront expenses when using care.

Major Health Insurers in the Netherlands

Zilveren Kruis – One of the largest & most affordable options.
VGZ – Covers alternative treatments.
Menzis – Competitive pricing & good expat support.
CZ – Flexible packages.
DSW – Highly rated for customer service.
ONVZ – Premium insurance with extensive coverage.

Finding a Doctor in the Netherlands

Your family doctor (Huisarts) is your first contact for medical care. They refer you to specialists when needed.

Check the ratings of family doctors: zorgkaartnederland.nl
LGBTQ-friendly doctors:  Rose in Wit

Common Mistakes to Avoid

Not getting liability insurance – It’s only €5 per month but can save you thousands if something goes wrong.
Ignoring tenant insurance – Some landlords require it, and it’s cheap!
Underestimating legal disputes – Lawyer fees in the Netherlands are expensive, so legal assistance insurance is worth it.

Mortgage Insurance – A Personal Story

When I took out a mortgage, I had to get additional insurance—including life insurance and home insurance. Many people don’t realize how much banks require, and being a smoker can make it even more expensive (they check your lifestyle for risks!).

Next Up: Banking & Saving Money in the Netherlands!
What are the best savings accounts, budgeting strategies, and tips for handling finances in the Netherlands? Let’s break it down in the next video!

The most important:

• Income tax is deducted from your salary automatically

• Tax refunds are possible if you’ve earned less, were unemployed, or qualify for deductions

• When negotiating a salary, always talk about the BRUTO (gross) amount

How Income Tax (Inkomstenbelasting) Work

What It Covers: Tax on wages, bonuses, and other earnings
How It’s Paid: Automatically deducted by your employer every month

Tax Brackets in 2024

• Bracket 1: 36.93% on income up to €73,031 (includes national insurance contributions)

• Bracket 2: 49.5% on income above €73,031

Tax-Free Allowance – Everyone gets a basic tax deduction of €2,888 (2024)

Bruto vs. Netto Salary – What’s the Difference?

• Bruto Salary – Your gross income before taxes & deductions.

• Netto Salary – The amount you actually receive in your bank account after taxes & social security are deducted.

Example:
Your employer tells you your salary is €3,000 bruto. After taxes, social security, and deductions, your netto (take-home) salary could be around €2,200 per month.

Check your salary estimate here: TheTax.nl

Bonuses Are Also Taxed!
If you receive a €1,000 bruto bonus, you will only receive around €550 netto after taxes (around 45% is deducted).

Provisional Tax (Voorlopige Aanslag) – Avoiding Surprise Payments

• This is an estimated tax calculation for the year, based on your income.

• Helps spread tax payments throughout the year instead of paying a large lump sum at the end.

• Useful if you’re self-employed, working multiple jobs, or bought a house.

Common Mistakes to Avoid

Not checking tax deductions – You might be paying more tax than necessary.
Forgetting benefits (toeslagen) – If you earn minimum wage, you may qualify for a toeslag.
Ignoring provisional tax – If you’re a freelancer or have multiple jobs, adjust your tax payments in advance to avoid a surprise bill.

Types of Rental Housing in the Netherlands

1. Sociale Huurwoning (Social Housing)

• Subsidized housing, rent capped at €879.66 per month (2024)

• Available only for lower-income residents (€47,699 max for singles, ~€53,725 for households)

• Rent allowance (huurtoeslag) possible if you qualify

• Long waiting lists (often years in big cities)

Who qualifies?

• Dutch citizens & legal residents with low incomes

• People willing to wait several years for a spot

2. Vrije Sector (Private Market Rentals)

• No rent caps – Prices set by landlords

• Higher rents – Typically €1,200+ per month in major cities

• No rent allowance (huurtoeslag)

• More flexibility, but contracts can be stricter

Who rents in the vrije sector?

• People earning above the social housing limit

• Expats and professionals looking for quicker options

• Those wanting more choice in location & housing type

Tip: If you’re working in the Netherlands, chances are you will be renting in the private market unless you wait years for social housing.

Temporary Housing – Where to Stay When You First Arrive

When you first move to the Netherlands, you will need a short-term place to stay while looking for long-term housing. Here are your 4 main options:

1. Hotels – Expensive but hassle-free

Full privacy, comfort & services

Locations outside big cities (like Leiden) are cheaper

Example: A hotel in Leiden costs much less, but it’s only 40 mins to Amsterdam by train

2. Hostels – Cheap but shared

Some hostels offer long-term stays for €200–€300 per week
You will share rooms with others

3. Staying with a Friend – Best if possible
Free accommodation (or very cheap)
Gives you time to find a proper rental

4. Private Short-Term Rentals
Airbnb / Misterbnb (LGBTQ-friendly)
Subletting from locals – Sometimes, you can pay in cash & extend your stay

Important: Most short-term stays DO NOT give you a registered address, but that’s fine—you have 4 months to register officially.

My Personal Example from the COVID Period

During the COVID pandemic, I stayed at a hotel near Sloterdijk Station:
€1,000 per month for two people
Included a kitchenette for cooking
Allowed official registration

Tip: Some hotels allow registration, but you have to ask them directly.

Biggest money-saving tip? Find a roommate!

• Short rental contracts (6–12 months)

• You can explore different areas before committing to a long-term rental

• Easier to move if your job location changes

• Instant social circle—your roommate & their friends

• Cheaper than renting alone (utilities often included)

• No need to buy all the furniture—just the essentials

How to Find a Roommate in the Netherlands

Websites & Platforms to Find a Roommate:
Kamernet
Facebook Groups:

• Homes for Queers Amsterdam

• Amsterdam Rent a Room, Apartment or Studio

How it works:
1. Browse rooms, send a message & schedule a viewing
2. Meet your potential roommate, discuss rent & shared costs
3. Agree on cleaning, utilities, and house rules
4. Get a contract & ensure you can register your address!

How Much Does a Room Cost?

Amsterdam Room Rental Prices (2024)
€800–€1,000 per month (sometimes higher for prime locations)
You will spend more than 30% of your income on rent—compensate in other budget areas!

Important: If a rental doesn’t allow registration, it’s not ideal for long-term stability. 

If you can’t register, stay only if necessary—but keep looking for a better option!

Getting Furniture on a Budget

You don’t need to furnish an entire home—just get the basics!

Where to Find Cheap or Free Furniture:
Marktplaats – The Dutch version of Craigslist
Check when your local bulky waste (grofvuil) pickup is—sometimes, people leave decent furniture on the street for free!

Common Mistakes to Avoid

Not checking if registration is allowed – This is crucial for long-term residency.
Not discussing shared costs upfront – Always agree on rent, utilities, and cleaning services beforehand.
Skipping a contract – Without a contract, you have no legal protection if issues arise.

Tip: If you already have a job, try to find a place near your workplace to save time and commuting costs.

1. Understanding the Dutch Rental Market

Types of Rentals
Social Housing (Sociale Huurwoning) – Rent capped at €879.66/month, but long waiting lists (years).
Private Market (Vrije Sector) – No rent caps, market prices apply.

Most expats must rent in the private market since social housing has income limits and long waiting lists.

Dutch Rental Point System (WWS) – Determines if a property should be social housing or private market.

• Below 147 points → Social Housing → Max rent €879.66/month

• 147+ points → Private Market → No rent cap

If your place should be social housing but you pay more, you can request a review from the Rent Tribunal (Huurcommissie).

2. Where to Search for Apartments?

Websites & Agencies

• Pararius

• Funda

• Kamernet – Good for roommates & shared housing

• Check makelaars (rental agencies) websites

Big Housing Corporations (for more stable rentals)

• Vesteda

• Ymere

Tip: Some landlords require bidding (offering more than the listed rent). You can either bid more or offer the asked price—it’s your choice.

3. The Rental Process – How to Secure an Apartment

The full process (pdf)

4. Rental Contracts in the Netherlands

A, B, or C Type Contracts?

A Contract (Indefinite Period) – No end date, but first year is a trial period for both sides.
B Contract (Fixed-Term) – Max 2 years, cannot be extended.
C Contract (Custom Agreement) – Usually short-term with extra conditions.

Antikraak (Temporary Squatter Housing) – Super cheap, but you can be evicted with 1-month notice.

Tenant Rights:
Deposits – Max 2 months’ rent, must be returned within 30 days after moving out.
Rent Increases – Max 5.5% per year (2024, free sector).
Eviction – Landlords cannot kick you out without legal cause.
Maintenance – Landlord must handle major repairs; tenants handle minor fixes.

Common Scam Alert:

• If a landlord asks for more than 2 months’ deposit, it’s illegal.

• Never pay cash for a deposit or rent—use a bank transfer for proof.

5. Move-In Costs & Hidden Expenses

What You Need to Pay Before Moving In:
1 month’s rent in advance
2 months' deposit (max allowed)
Agency fee (if applicable) – Usually 1 month’s rent

Extra Costs to Watch For:
Some apartments don’t have a floor or washing machine (check before signing).
Utilities (electricity, water, internet, trash tax) must be arranged by you.

6. Setting Up Utilities & Address Registration

Electricity & Gas – Choose a provider or continue with the previous tenant’s company. Switching providers takes 30-60 days. You have to deliver the readings of the meters (if not a smart meter). Good advice is to check your gas prices every year as many companies offer welcome bonuses.
Water – You must register online after moving in.
Trash Tax – Automatically applied when you change your registered address.
Internet – Set up your own plan with a provider.
Parking Permit – Needed if you have a car.

If your apartment has no smart meter, you must report meter readings manually!

7. Moving Out – What You Need to Know

Notice Period:
Tenants must give 1-month notice before leaving.
Fixed-term contracts (B-type) cannot be extended, so start looking early.

Things You Don’t Have to Do When Moving Out:
You don’t need to repaint walls unless the contract states otherwise.
Cleaning & minor fixes are your responsibility, but landlords must handle major repairs.

Get proof of the apartment’s condition before leaving (take photos!).

The Dutch rental market is highly competitive, and unfortunately, this creates opportunities for scammers. In this video, I’ll cover the most common rental scams, how to spot red flags, and protect yourself from losing money.

Key takeaways:
Never pay a deposit for a place you haven’t seen in person
Be cautious of deals that seem too good to be true
Stick to trusted platforms like Pararius & Funda
Avoid sending money via untraceable payment methods

From fake landlords and listings to advance fee scams & unauthorized subletting, I’ll guide you through what to watch out for and how to safely secure a rental in the Netherlands. Don’t fall for rental scams—stay informed and stay safe!

The Netherlands is full of job opportunities, with an unemployment rate of less than 3%. That’s great news! However, finding any job is easy, but finding a job you love takes time.

In this video, I’ll walk you through:

• The Dutch job market & high-demand industries

• The best job-seeking platforms & agencies

• How to prepare your CV & applications

• My personal story of finding a job in the Netherlands

1. The Dutch Job Market – Where Do You Fit In?

Yes, there are English-speaking jobs, mostly in big cities and international companies.

High-Demand Fields in 2024
Tech & IT – Software developers, data analysts, cybersecurity experts
Healthcare – Nurses, doctors (requires local certification)
Engineering – Civil, mechanical, electrical
Logistics & Supply Chain – Rotterdam is a major logistics hub
Hospitality (HORECA) – Hotels, restaurants, cafés (tips-based income)

If you’re in one of these fields, you’re in luck! If not (like me), you’ll need to be open to any job at first.

2. Preparing for the Job Hunt

Keep your CV short & to the point (1-page preferred)
Include a professional photo (common in the Netherlands)
Write a tailored motivation letter – Dutch employers love custom applications
Consider open applications – If you admire a company, apply even if no job is listed

Pro Tip: Your first job may not be your dream job. Do any job at first to cover costs, then keep looking for better opportunities.

3. Where to Find a Job?

Top Job-Seeking Platforms:
LinkedIn – Many jobs are posted here, networking is key!
Indeed.nl – Covers all job levels & industries
Expatica Jobs – Focused on expat-friendly roles
Honeypot.io – Great for tech professionals
Werk.nl – Dutch government’s job portal

Use your native language to your advantage! Many international companies need German, French, and Spanish-speaking customer support.

Best Recruitment Agencies for Expats
- Undutchables – Focused on multilingual job seekers
- Adams Multilingual Recruitment – English-speaking jobs
- Olympia, Manpower, Randstad – General job agencies (uitzendbureaus)

Be cautious of agencies offering accommodation—these often come with poor living conditions & high deductions from your salary.

4. Understanding Contracts & Employment Terms

Types of Work & Contracts in the Netherlands

- Uitzendbureau (Employment Agency) – Matches job seekers with temporary jobs, pays weekly.
- CAO Contract (Collective Labor Agreement) – Industry-wide contract setting minimum wages & conditions.
- HORECA (Hotels, Restaurants, Cafés) – Flexible hours, seasonal work, often tip-based income.

Key Work Rules
- Probation Period – Usually 30 days
- Temporary Contracts – You can get up to 3 years of temporary contracts before becoming indefinite.

If your contract gets renewed more than 3 times in a row, you may be entitled to an indefinite contract!

5. Networking – The Hidden Job Market

30% of jobs in the Netherlands are never advertised!
- Attend networking events & meetups in your industry
- Use LinkedIn – Don’t be shy to message recruiters or professionals in your field
- When socializing, mention your skills & job hunt—your next job may come through a friend!

The 30% ruling is one of the best tax benefits for expats moving to the Netherlands! If you qualify, 30% of your salary can be tax-free to help cover the costs of relocating. But who qualifies? How do you apply? And is it really worth it? Let’s break it all down!

What is the 30% Ruling?

A tax break for highly skilled workers moving to the Netherlands
30% of your gross salary is tax-free, reducing your tax bill significantly
Valid for up to 5 years (but changes may come in the future!)

1. Who Qualifies?

You must be recruited from abroad
You must have specialized skills that are scarce in the Dutch labor market
In the last 24 months, you lived at least 16 months more than 150 km from the Dutch border
You earn above the minimum salary threshold (varies per year)

Bonus: If you’re under 30 and have a Dutch master’s degree (or equivalent), you can qualify with a lower salary!

2. How to Apply?

Step 1: Your employer must apply with you (you can’t do it alone!)
Step 2: Submit the application to the Dutch Tax Office (Belastingdienst) within 4 months of your job start date
Step 3: If approved, the tax-free allowance applies retroactively from your first working day

Apply here: Belastingdienst – 30% Facility

3. How Long Does It Last?

Maximum duration: 5 years
If you worked/lived in NL in the last 25 years, this period may be shorter

Possible future changes: The government is considering reducing the duration – stay updated!

4. Extra Perks of the 30% Ruling!

Lower income tax = More savings!
Partial non-resident tax status – Pay less tax on certain assets & investments
International school fees can be reimbursed tax-free if your employer allows it

Common Mistakes to Avoid!

Not applying within 4 months – You might lose retroactive benefits
Earning below the minimum threshold – If your salary drops, you may lose the ruling
Not checking employer participation – Some companies don’t offer it!

1. Work-Life Balance & Flexibility

- Trust from Day 1 – If you’re honest & do your job, you’ll never have issues
- Appointments? No problem! Need a medical visit or house viewing? You can take time off without explaining why
- It’s about efficiency, not hours – Most companies focus on results, not micromanaging 8-hour shifts
- Vacation is taken seriously! – You’ll almost always get the time off you request

2. Office Life – What to Expect

- Coffee & free fruit – Almost every office has them!
- Friday drinks (Vrijmibo) – A must! Expect team bonding over drinks every Friday
- Business dinners & social events – Normal & great for networking

Tip: Dutch people love team spirit & friendly colleagues. Joining these social events helps you build connections & make new friends!

3. Dutch Directness – Be Ready for Brutal Honesty!

- Feedback is direct, not sugar-coated – If you make a mistake, you’ll hear it immediately
- No hidden feelings – You always know where you stand
- But compliments are real too! – Dutch colleagues will tell you when you’ve done great work

Tip: Don’t take blunt feedback personally—it’s normal & meant to improve things.

Next Up: Salaries, Taxes & What You’ll Earn in the Netherlands!
Now that you know about work culture, let’s talk about salaries, tax deductions, and how much you’ll take home in the next video!

Thinking of freelancing, starting a side hustle, or launching a business? The Netherlands makes it super easy to start! Let’s go through the basics of business structures, VAT, bookkeeping, and legal requirements so you can get started the right way.

1. Choosing Your Business Structure

- ZZP (Zelfstandige Zonder Personeel) – Freelancer/self-employed (register as eenmanszaak or VOF).
- Eenmanszaak (Sole Proprietorship) – Simple setup, but personal liability for debts.
- VOF (Vennootschap Onder Firma) – Partnership with shared responsibility.
- BV (Besloten Vennootschap) – Limited liability, protects personal assets (ideal for startups).
- Other forms: NV (public company), CV (limited partnership), Maatschap (for professionals).

Best choice for freelancers & small businesses? Eenmanszaak (sole proprietorship) or BV (if you want liability protection).

2. How to Register Your Business

Check my step-by-step guide

Cost? Registration fee is €50, plus small monthly costs for banking, accounting tools, and admin.

3. Taxes & VAT (BTW) Explained

- VAT (BTW) is 21% on most services – You charge VAT on invoices, but also get VAT back on business expenses.
- Reverse-charge VAT applies for business deals within the EU.
- Business expenses like a phone subscription, office desk, electricity can be deductible—but some rules apply!

Keep track of income & expenses using an accounting tool (I recommend one in the description!).

4. What About Side Hustles & Working Full-Time?

- If you have a full-time job and a business, you must inform your employer.
- If it’s a conflict of interest (e.g., competition with your employer), you may have to choose one or close the business.
- Freelancing & employment together is allowed, as long as there’s no conflict.

1. Language Levels & Dutch Citizenship

A1–C2 Framework – Basic to fluent levels
A2 is currently required for Dutch citizenship but will soon change to B1
B1+ helps with career growth & local job promotions

Tip: Start with the basics, but aim for B1 or higher for more opportunities!

2. Best Ways to Learn Dutch Fast

- Take a Free Dutch Course  – Every municipality (gemeente) offers free lessons (but waiting lists can be 3+ months).
- Apps & Online Courses – Try DuoLingo, DutchPod101, or private online lessons.
- Language Cafés & Meetups  – Practice Dutch in casual conversation groups.
- Watch Dutch TV & Movies
NPO Start – Free Dutch public channels
Videoland – On-demand streaming platform
Start with children’s shows!

- Use Instagram & TikTok Creators  – Many young Dutch teachers post fun and easy lessons.
- Talk to Dutch Friends  – Set a one-hour rule where you only speak Dutch.

3. Extra Practice – How to Get Comfortable Speaking!

- Join a Language Exchange Café – Weekly meetings with Dutch-speaking volunteers.
- Volunteer Locally– Help a neighbour, community group, or charity, and practice Dutch naturally!
- Work or Intern in a Dutch-Speaking Environment – Even part-time work boosts your learning speed!

1. Dutch Directness – Honest, Not Rude!

- Expect brutal honesty – if they don’t like something, they’ll say it.
- No small talk – conversations are practical & straight to the point.
- Don’t take it personally – it’s just how they communicate!

2. Social Etiquette – What’s Normal

- Be on time!  “A little late” means 2 minutes, not 20!
- Planned social life – They schedule hangouts weeks in advance
- Splitting the bill – Very common, but practical, not cheap!

3. Cycling – The Unofficial Dutch Sport

- Follow the rules, or get yelled at!
- Cyclists own the road – be respectful & stay in your lane.
- Even in nightclubs, Dutch people are polite – but not on a bike!

4. The Good & The Bad

- Super open & accepting society – especially in cities like Amsterdam & Rotterdam
- Pride in progress – First country to legalize gay marriage, strong women’s rights, and more
- But… racism exists – Some negative attitudes toward non-EU migrants, mainly due to failed integration policies.

People openly discuss racism and many work to change things, but politics lags behind.

Final Dutch Rule: Never insult bitterballen!

Now you’re ready to blend in with the locals!  Next up: Dutch Holidays & Festivals – The Best Local Events!

1. Where to Meet People?

Work – Your colleagues can become your first social circle
Language Course / Language Café – Meet other expats learning Dutch
Gym & Group Sports – From running clubs to ping pong
Neighbors – A friendly chat in your building or at local events
Social Events & Meetups – Concerts, cinema, stand-up comedy, so many events happening!
Volunteering – A great way to help others and meet locals
This Course! – Join our community & local events
Group Travel – Dutch people love solo group trips (Check ANWB.nl)
Game Cafés – Play board games & meet new people

Tip: Be the one who takes the first step! Invite colleagues or acquaintances to activities.

2. Are Dutch People Really Distant?

No! But… they don’t "need" new friends. By 28+, most people already have a core group of friends from childhood. That doesn’t mean they don’t want to meet new people—it just takes more time and effort.

Good News: Dutch people are the perfect balance of respecting privacy & showing interest in your life. Be patient, and friendships will come!

3. Why You Need to Be Proactive

Say yes to invitations – Even if it’s just for a coffee
Plan activities & invite people – Take the first step!
Be open & approachable – People will match your energy
Try new hobbies – Sports, art, or dance classes open doors to new circles

Personal Story: I got invited to a board game night by a co-worker, and now I have a whole new group of friends!

1. How to Pay for Public Transport

• OV-chipkaart – A rechargeable travel card for buses, trams, trains, and metros

• OVpay – Tap & Go – Use your contactless bank card or phone instead of an OV-chipkaart.

• Refunds & Travel History – Check incorrect charges or missed check-outs at OVpay.nl.

Tip: If you travel often, consider an NS subscription to save money on trains!

2. Train Companies in the Netherlands

• NS (Nederlandse Spoorwegen) – The national railway operator, covering the whole country.

• Arriva – Regional trains serving smaller towns & rural areas.

• Breng – Trains between Arnhem & Doetinchem.

• Connexxion – Runs trains between Amersfoort & Ede-Wageningen.

• Syntus – Operates the Zutphen–Hengelo–Oldenzaal route.

Tip: Use 9292.nl or the NS app to check real-time schedules & plan trips!

3. Local Public Transport Operators

Each region has its own transit company for buses, trams, and metro services:

• GVB – Amsterdam’s trams, buses, metro, and ferries.

• RET – Public transport in Rotterdam (trams, metro, buses).

• HTM – Trams & buses in The Hague.

• U-OV – Buses & trams in Utrecht.

• R-NET – High-speed regional buses & trains in Randstad (Amsterdam, Rotterdam, The Hague, Utrecht).

• Bravo – Public transport in Brabant (Eindhoven, Tilburg, Breda).

Good to know: OV-chipkaart and OVpay work for all local transport!

4. International Train Travel

Planning to travel outside the Netherlands by train? Here are the major options:

• NS International – The Dutch international train service.

• Eurostar– High-speed train to Brussels, Paris & London

• ICE International – Trains to Germany & Switzerland.

• SNCB (Belgium) – Trains between the Netherlands & Belgium.

• SNCF (France) – High-speed Thalys & Eurostar to Paris & London.

• Ouigo – Low-cost train operator in France (great for budget travel!).

• Deutsche Bahn (DB) – German railway company connecting Amsterdam to Berlin, Frankfurt & Munich.

• European Sleeper – Night train to Belgium, Germany & the Czech Republic.

Tip: Book in advance for cheaper international train tickets!

Next Up: Renting a Bike & Getting Around Like a Local!
Now that you know how to use public transport, let’s talk about cycling and renting bikes in the Netherlands!

1. Why You Should Get a Bike ASAP ?

- Speed – Often faster than cars & public transport in cities
- Convenience – No waiting for buses or searching for parking
- Free Transport – No tickets, no fuel, just pedal!
- Safe & Well-Organized – 35,000 km of dedicated bike lanes
- Great Exercise – Stay active & fit while commuting

Tip: Get a bike as soon as you decide to stay!

2. Fun Facts About Dutch Cycling Culture

- More Bikes Than People – 23 million bicycles vs. 17.5 million people (1.3 bikes per person!)
- Biking is the #1 Transport Choice – 36% of Dutch people cycle daily.
- Bike-Only Roads & Bridges – Cities like Amsterdam & Utrecht have bike tunnels, bridges & traffic lights.
- Bikes Have Priority – Cars & pedestrians must respect cyclists at many intersections.
- Kids Learn Early – 90% of Dutch children cycle to school!

Why does this work? Not because of the weather, but because of safe cycling infrastructure!

3. How to Get a Bike & What It Costs

Buy Second-Hand –

• €200+ at a bike shop

• €100-150 from a private seller (Facebook Marketplace, Marktplaats.nl)

Rent Long-Term – Swapfiets provides a monthly bike rental with repairs included

Bike Insurance & Roadside Assistance – ANWB offers emergency bike repair services!

Tip: Lock your bike TWICE!  Bike theft is common, so always use both locks.

4. Cycling Rules & Safety Tips

- Ride on the right side – Stay in the red bike lanes
- Use hand signals – Raise your left/right hand to indicate turns
- Check over your left shoulder before overtaking
- Shark Teeth (Yield Signs)  – If you see them, you don’t have priority!
- Lights at Night are Mandatory – €80 fine if caught without lights
- Park in designated spots – Avoid getting your bike removed by the city!

Tip: A well-maintained bike feels like an extension of your body—take care of it!

Next Up: Driving & Car Ownership in the Netherlands
Now that you know all about cycling, let’s talk about whether you actually need a car and how to get one!

1. Your Own Car & EU Regulations

EU Cars can stay in the Netherlands for up to 6 months.
Pro Tip: Keep your gas station invoices from abroad to prove you haven’t exceeded 6 months!
International Driver’s Licence: Need it to drive abroad? Check it out here: ANWB International Licence

2. Renting vs. Car-Sharing Options

Rent a Car Agency: Standard rental like in any country – pick up, drop off, fuel costs.
Car-Sharing Companies: Rent cars by the hour/day – petrol included and more flexible.
Referral: Try MyWheels with €25 discount or Bo Rent for Moving for great deals!

3. Buying a Car & Driver’s Licence Benefits

Buying a Car: Requires an official address. You must swap your EU driver’s licence for a Dutch one at your municipality (costs about €50 and takes 2 months).
Dutch Driver’s Licence:

• Doubles as an ID! Use it to vote, buy alcohol, etc.

• No need to carry your passport everywhere!

4. Parking & Practical Tips

Arrange Parking Early: Municipal parking waiting lists can be up to 6 months.
Link: Check your local gemeente parking info for details.

Final Thought:
You don’t have to drive a car in the Netherlands, but sometimes it’s super handy for picking up large items, moving houses, or exploring beyond the city.

Next Up: How to ride a bike like a local!

This fun & practical guide gives you the lowdown on cars in NL. Let me know if you need any tweaks!

A Healthy Budget Breakdown

Housing & Utilities (30-35% of Income):

• Aim to keep rent/mortgage below 30% of your income

• Utilities (electricity, water, gas, internet) add another 5-10%

Transportation (10-15%):

• Includes public transport, car payments, fuel, and insurance

Food (10-15%):

• Groceries: 8-10%

• Dining out: 2-5% (max ~€100/month)

Insurance (5-10%)
Debt Payments (10-15%)
Savings (20%):

• Build an emergency fund covering 3-6 months of expenses

Other Spending (10-20%)

Example for a €3,000 monthly salary in Amsterdam:

• Housing & Utilities: €1,200 (40%)

• Transportation: €60 (2%)

• Food & Takeout: €450 (15%)

• Insurance: €240 (8%)

• Debt Payments: €300 (10%)

• Savings: €450 (15%)

• Other: €300 (10%)

Personal Insights & Tips

• When renting, shared costs can be manageable (e.g., splitting €1,600 rent between two people is about 30-40% of individual income).

• Buying a home might mean higher expenses (e.g., a mortgage + insurance totalling €3,000 on a combined income of €5,500), so be prepared to adjust other spending.

• Budgeting is especially challenging in the first years—sacrifice a bit now for long-term stability.

Why Get a Dutch Passport?

• Voting Rights: Have a say in national elections

• Visa-Free Travel: Enjoy easier travel across many countries

• Security: A backup if something happens to your home country

• Long-Term Social Benefits: Access to excellent social services

• Heads Up: You might need to renounce your old passport—so choose wisely!

Who Can Vote?

• With a Registered Address:

  • Local Elections: Vote for your mayor & local council

  • Regional Elections: Waterschappen (regional water boards)

  • EU Elections: Choose Dutch representatives in the European Parliament

• With a Dutch Passport:

  • National Elections (Tweede Kamer): Vote for the national parliament

Major Political Parties in the Netherlands

Get to know the vibrant spectrum of Dutch politics:

• VVD: Center-right liberal, all about individual freedom

• CDA: Center-right, Christian-democratic values

• D66: Centrist, progressive on education & reforms

• PVV: Right-wing populist, strict on immigration

• SP: Left-wing, focused on social justice

• GroenLinks: Progressive & green, for a sustainable future

• FvD: Conservative populist with an anti-establishment streak

• PvdA: Center-left social-democratic

• PvdD: For the animals & environmental protection

• 50PLUS: Representing senior citizens

• SGP: Conservative, orthodox Protestant

• DENK: Focused on integration & minority interests

• BIJ1: Progressive, anti-racist

• JA21: New right-wing, conservative policies

• Volt Nederland: Pan-European progressive, forward-thinking

Why Voting Matters

I stopped voting in my home country as a diaspora because I believed in letting those there decide their future. But here, since I pay taxes and contribute to the community, I want to have a say. Voting is the key to change - even if the political system seems complicated with its coalition politics. Your vote is your power!

Not sure which party to support?

• Use Stemwijzer.nl to narrow down your choices based on your values.

• For EU elections, check out RainbowVote for LGBTQ-friendly candidates (but remember, research each candidate’s policies to see if they match your priorities).

Next Up: How to Stay Informed & Get Involved in Dutch Politics!
Discover more tips on making an impact, joining local political groups, and participating in community events. ?

Key Pension Influencers

AOV (State Pension):

• Based on the number of years you’ve lived in NL

• Everyone gets it, but the longer you’re here, the higher your benefit

• No way to add extra money manually

Private Pension:

• Tied to your salary and employer contributions

• Often split as 50-50 or 60-40 between you and your employer

• Expect around €150 extra per month on average

Additional Pension Insurance:

• Ask your insurer for extra options if your AOV and company pension won’t cut it

• Keep in mind these amounts are brutto and taxed later (20-40%)

Retirement Age & Planning Ahead

Current Retirement Age: 67 (but may increase over time – think 72 or more!)
Why Plan Early?

• Benefits include voting rights, visa-free travel, and long-term social security

• Compare to other countries (like France, where retirement is now 64)
  Important: Keep your pension paperwork organized and check your funds regularly using mijnpensioenoverzicht.nl

Major Pension Insurers in the Netherlands

• ABP: Largest fund for government & education employees

• PFZW: Leading for healthcare & social welfare workers

• PGGM: Manages and invests for various funds

• Nationale-Nederlanden: Offers a wide range of pension products

• ASR Nederland: Known for comprehensive pension solutions

Helpful Links & Resources

Pension Overview Portal: mijnpensioenoverzicht.nl
Pension Adviser Info: Pensioen.com

Next Up: Learn how to maximize your savings & plan your budget for a comfortable retirement!

This video is your essential guide to understanding how your pension is calculated and why early planning makes all the difference. Let’s secure your future together!

Key Points & Requirements

• Mortgage Up to 100%: Borrow up to 100% of the property’s value.

• Transfer Tax Waiver: If you’re under 35 and your first home is below €550k, you don’t pay the 2% transfer tax.

• Employment Proof: A letter of intention from your employer is enough—even without a permanent contract.

Who Does What?

• Notary: Checks all documents, reviews the mortgage contract, handles the transfer of funds to the seller.

• Financial Advisor: Helps you find the best mortgage company.

• Mortgage Advisor: Guides you to the right mortgage type (usually working for your chosen bank).

• Makelaar: Assists you in finding the perfect property and advises on the buying process.

Useful Links & Referrals

• House Hunting: Funda | Walter Living

• Mortgage Calculator: ABN AMRO Mortgage Calculator

• More links (soon): for financial advisors, mortgage advisors, notary services, and mortgage comparison tools for special offers!

Personal Insights & Tips

• Buying Alone vs. Together: As a single buyer on an average salary, your options might be limited—but a dual income can boost your buying power.

• Timeline & Process: From checking how much you can borrow to negotiating offers and finalizing paperwork, the process can take 6–12 months.

• Real Talk: I share my own experience—my offer, negotiations, and all the paperwork details—to give you a realistic view of the Dutch housing market.

Next Up: How to navigate rental agreements and what to expect when moving out. Let’s make your Dutch home-buying journey as smooth as possible!

Useful Links & Resources:

• The Tax: thetax.nl

• Belastingdienst: belastingdienst.nl

This video gives you a comprehensive overview of how Dutch taxes work—perfect for planning your finances and maximizing your benefits. Stay tuned and learn how to make the most of your money in the Netherlands!