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Best banking apps for internationals in the Netherlands

Liana Pereira 🇱🇰

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October 25, 2024

Best banking apps for internationals in the Netherlands

Between traditional banking apps and apps for saving and investing, the Netherlands has plenty of international-friendly financial tools.

In this article, we’ve tested the best and prioritised apps that are accessible to English speakers, feature-rich, and easy to use. 🤳

From mobile banking to saving and investing, these are our top picks for banking apps in the Netherlands!

In a hurry? Skip ahead! 👇

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Best mobile banking apps in the Netherlands

Combining ease of usage, handy money management features, and flexible BSN requirements, these banking apps are perfect for internationals in the Netherlands. 💪

ING: Our top pick for a Dutch banking app

From one of the biggest and most popular banks in the Netherlands, the ING app is the ideal all-in-one banking tool.

Whether you’d like to schedule payments, arrange insurance, or track your investments, it’s only a swipe (or intuitive widget! 😉) away.

Sign up for ING

bunq: Best for new expats and international students

With its user-friendly design and host of useful features (looking at you, 2% cashback!), the bunq app is a perfect money-management platform for those new to the Netherlands.

Even better, you can open and use your Dutch bank account for up to 90 days before getting your BSN!

Sign up for bunq

Revolut: Best for foreign currency and international transfers

Thanks to its speedy and competitively-priced global money transfers in over 29 currencies, the Revolut banking app is a major asset for internationals in the Netherlands.

Plus, you can forget about fiddly currency exchanges, as the app lets you hold a balance in multiple currencies.

Sign up for Revolut

N26: Best banking app that doesn’t require a BSN

Unlike most banks in the Netherlands, N26 will never require you to submit a BSN while you’re registering for a Dutch bank account. The one downside? You’ll receive a German IBAN, not a Dutch one.

The app is also ideal for joint account holders, with handy overviews of shared expenses and powerful money management features.

Sign up for N26

Finom: Best for business accounts and money management

When it comes to business bank accounts for freelancers in the Netherlands, Finom is an absolute must-have.

Chock-full of powerful tools like automated invoicing features, expense management, and accounting software integrations, Finom is like having a mini accountant in your pocket.

Sign up for Finom

Best banking apps for saving in the Netherlands

With high interest rates, in-depth money-tracking capabilities, and cashback offers, these banking apps are a major asset to your wallet! 💰

Trade Republic: Best for sky-high interest rates

Unlike many traditional banks, the Trade Republic app offers some of the highest interest rates in the Netherlands.

And the absolute cherry on top? With no monthly subscription fees, your biggest expense will be the €1 transaction fee when you buy or sell stock.

Sign up for Trade Republic

Woolsocks: Best for rewards and cashback

woolsocks-best-banking-apps-for-internationals-in-the-Netherlands

Woolsocks is a cashback app that runs in the background, helping you save money with every purchase.

Plus, thanks to the app’s in-depth finance tracking, achieving long-term savings goals is as easy as apple pie!

Sign up for Woolsocks

Raisin: Best for access to high interest rates across Europe

Giving you access to the highest interest rates at banks across the EU, the Raisin app is a true savings heavyweight!

In addition to Raisin’s competitive rates, the app’s low minimum deposit requirements and no fees keep this platform super accessible.

Sign up for Raisin

Best banking apps for investing in the Netherlands

If you’re dead keen on building a nest egg for yourself, these handy investment apps offer a great balance of affordability and money-making features. 💸

Disclaimer: It goes without saying that investing involves risk of loss.

DEGIRO: Our top pick for an investment app

When it comes to investment apps, DEGIRO’s award-winning platform, reliability, and ease of usage set it apart from the competition.

However, let op: you can’t invest in Forex or cryptocurrency, though you do have access to a wide selection of ETFs.

Sign up for DEGIRO

Scalable: Most affordable investment app in the Netherlands

With both free and low-cost (€2.99) options available, Scalable is the most inexpensive investment app on the market.

From one account, you have access to a wide range of individual stocks, ETFs, cryptocurrencies, and more!

Sign up for Scalable

Peaks: Best investment app for beginners

In contrast to other investment apps, Peaks has no minimum investment — you’re free to invest as much (or as little!) as you like.

Even better? With four ready-made portfolio options to choose from, the app is ideal for newbies to the art of investing.

Sign up for Peaks

No matter your desire, the Netherlands has a banking app that will suit your needs — and wallet.

What’s your most-used banking app in the Netherlands? Share it in the comments below!

Dutch banking apps: Frequently asked questions

With a lot of apps and information to sift through, it’s only natural that you’d have some burning questions! 👇

What is the best online payment app in the Netherlands?

When it comes to making basic transactions, the best payment app is your own bank app.

In the Netherlands, the best banking apps include ING, bunq, Revolut, and N26.

Which bank is best for expats in the Netherlands?

Several banks, such as bunq and N26, are geared towards internationals in the Netherlands.

Our top pick for an expat bank is ING, which offers features ranging from payment scheduling, in-depth investment analyses, and future overviews of income and expenses.

Which is the best online bank in Europe?

Some of the best fully online banks in the EU include bunq, Revolut, and N26.

Is it safer to bank online or with an app?

Using a banking app is generally safer than banking via your internet browser.

This is because online banking portals are sensitive to websites infected with malware and lack many of the layers of security that banking apps have built-in.

Which bank mobile app is the best in the Netherlands?

Although most Dutch banks also have mobile banking apps, one of the handiest and most functional apps on the market is by ING.

From futuristic face-recognition software and intuitive widgets to everything you’re used to from a traditional banking app, it’s a seamless blend of modern and traditional.

Dutch woman and daughter jailed after forgetting to scan three items at self-checkout

Beatrice Scali 🇮🇹

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October 25, 2024

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Dutch woman and daughter jailed after forgetting to scan three items at self-checkout

With a task as mundane as scanning your groceries at the checkout, mistakes are bound to happen. You know, the usual: sometimes you accidentally take something home for free, sometimes you charge yourself twice, and sometimes… you go to jail. 🤯

That’s what happened last February to a Dutch woman and her daughter in Amsterdam, at the Stadionplein Albert Heijn location.

Their quick supermarket stop turned into a traumatising jail experience, as RTL Nieuws reports.

How a mistake turned into a nightmare

Marianne (63) and her daughter Fauve (25) were on their way home from a long day of shopping for Marianne’s company anniversary party.

They were tired but decided to stop at Albert Heijn for some groceries. That’s when things got a bit hectic.

They ended up with more groceries than expected and decided to split the bill — some items were for Marianne and Fauve, while the rest were for the company.

Camera footage shows them engaging in the chaotic routine of scanning a large grocery haul. As often happens, they made some mistakes, scanning a head of lettuce twice while missing three other items entirely.

“I have nothing to hide”

When the supermarket staff checked the two and found the mistake, they initially shrugged it off with a laugh. When the staff asked them to pay a €181 fine, however, things got serious.

@santanamath Dutch News: Grocery stores in The Netherlands combating shoplifting with a special camera. #dutchnews #nederland🇳🇱 #livinginthenetherlands ♬ News, news, seriousness, tension(1077866) – Lyrebirds music

Marianne insisted that it was just a mistake, and refused to pay the fine. When the staff said they would call the police, she didn’t flinch. “I said: call them, I have nothing to hide,” she tells RTL.

The worst part? The three forgotten items weren’t even expensive: it was chocolate, grapes, and a shopping bag.

Six hours in jail

The mother and daughter were taken to a police station for interrogation; they were separated, stripped, searched, and left in a small square cell for hours.

“After half an hour, I pressed the bell that was hanging in the cell. I asked: what is the purpose, how long do I have to sit here? I really got confused,” Marianne recalls.

Due to the stress, she started feeling unwell and asked to see a doctor. “I really started to panic,” she says.

Eventually, after being interrogated by two detectives, they were released. At midnight, they made their way home in the pouring rain, exhausted and traumatised.

Salt on the wound

Even though the prosecutor declared them “wrongly identified as suspects,” the Albert Heijn location in question still banned them from the store. 😳

Marianne filed a complaint about it, but the store operator doubled down on his decision.

In a letter, he explained to her that the camera footage clearly showed them failing to offer the items in question for payment.

A widespread problem

Shoplifting cases don’t usually escalate this far: if the staff agrees that there has been a mistake, customers are often given the chance to simply pay for the “stolen” items.

Indeed, people caught red-handed are given a fine and banned from the store, but police involvement is very rare.

However, with shoplifting increasing by 46% in the Netherlands in three years, these stories are becoming less rare, and stores are getting stricter.

Have you ever been caught forgetting to scan something at the store? How did it go? Tell us your stories in the comments below.

The narrowest house in Amsterdam: everything you need to know

Brin Andrews

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October 25, 2024

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The narrowest house in Amsterdam: everything you need to know

Amsterdam’s architecture is unique and varied. You’ll find tall houses, historic houses, slanted houses, and even sinking houses. But Amsterdam’s homes are perhaps best known for being narrow.

Coming from the vast lands of the United States, getting used tiny ol’ Amsterdam is was quite the adjustment for me. People on the sidewalks and in bike lanes are crammed shoulder to shoulder, and the houses are no different.

Why? Because when the city saw a growth spurt after the economic boom of the 17th century, narrow houses meant more people could squeeze into the city’s limited space.

But a few of these houses are so narrow you’ll have to see them to believe it. 👇

The narrowest house in Amsterdam: Oude Hoogstraat 22

photo-of-narrowest-house-in-amsterdam — Just remember, pinkies up, elbows in. Image: Brin Andrews/Supplied

Of the three skinniest houses in Amsterdam, the one holding the record for the narrowest of them all measures just 2.2 metres in width. (Americans, that’s about the length of six wine bottles.)

If you’ve been to the Red Light District, you’ve likely passed by the narrowest house in Amsterdam without even noticing. It stands bashfully between the gateway to the Walloon Church and the historic East Indies House.

With its red-brick facade and traditional spout gable, it looks like any other Amsterdam canal house — only miniature.

The municipality of Amsterdam purchased the small plot of land for this particularly narrow house all the way back in 1738. It was first leased to a clockmaker in 1742, as a single-story building (with ridiculously high ceilings.)

Over the years, the building went from a workshop to a three-story home. Eventually, Amsterdam’s narrowest house became a storefront for small businesses, like a jewellery store and flower shop.

The dainty landmark is now aptly home to Amsterdam’s tiniest tea shop, which opened its doors in 2014. At just five metres deep, the total area of the tea room is a gezellig nine square metres.

📍 Where to find it: Oude Hoogstraat 22, Amsterdam
🧭 How to get there: Head to the heart of the Red Light District, near the Zuiderkerk

Amsterdam’s other narrow houses

These next two Amsterdam houses may not be the skinniest of the skinny, but they’d still be approved for a high fashion runway in the ’90s.

The Loophole: Singel 7

photo of narrow house amsterdam — It may not be the smallest house, but it sure could fool the tax collectors. Image: Brin Andrews/Supplied

This Amsterdam canal house is located on Singel 7. Mistakenly (but understandably), it is often thought to be Amsterdam’s narrowest house.

However, it’s only the back facade that’s so slim, measuring just above one metre in width. The front of the house looks completely normal, so altogether, the inside of the house isn’t that narrow at all.

Oddly, Amsterdammers used to pay taxes on the width of their houses on the canal side, which happens to be the front side of the vast majority of houses.

So, Single 7’s narrow, canal-facing rear facade is seen as a creative approach to tax evasion. Gotta love that Dutch ingenuity.

📍 Where to find it: Singel 7, Amsterdam
🧭 How to get there: Head southwest from Central Station

The kleine Trippenhuis: Kloveniersburgwal 26

Our final narrow Amsterdam house stands out for its mirroring of the stately mansion across the canal. The Trippenhuis was the largest residential house in Amsterdam in the 17th century, owned by the well-known arms-dealing Trip brothers.

Legend has it, the brothers’ coachman had mentioned he’d be delighted to live in a house even just the width of the mansion’s door.

In good humour, the brothers commissioned the 2.4-metre house across the canal to emulate the neoclassical facade — a slender gift for their dear coachman.

📍 Where to find it: Kloveniersburgwal 26, Amsterdam
🧭 How to get there: Just around the corner from Oude Hoogstraat 22

Tour all of Amsterdam’s narrowest houses

You can easily see all three of Amsterdam’s narrowest houses in just an hour or two.

It makes for a great self-guided walking/cycling tour around some of the loveliest parts of the old city. Just follow these directions, or wander around more creatively on your own route. There’s always plenty to keep you entertained along the way.

Have you seen the narrowest houses in Amsterdam? Let us know what you think of them in the comments below!

Visiting Spain from the Netherlands? Get ready to answer a list of 40 questions first

Lyna Meyrer 🇱🇺

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October 25, 2024

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Visiting Spain from the Netherlands? Get ready to answer a list of 40 questions first

Dreaming of trading the Dutch winter chill for some Spanish sun? A borrelplank for some Tapas? Well, you better get ready to share some of your personal information with the Spanish government.

In a push to enhance safety, Spain could soon require each of its 85 million annual tourists to answer over 40 personal questions before stepping foot in the country.

This new rule would also affect the 4 million Dutch travellers who flock to Spain every year, writes RTL, adding a little paperwork to our packing list. 🧳

Doing too much? Probably

Although the Spanish government is convinced this new questionnaire will boost national security, the country’s travel industry isn’t so sure.

Many have slammed the plan as “out of all proportions” and “an invasion of travellers’ privacy” — and they might be right.

Here are just some of the questions Spain could soon ask incoming travellers:

Will you pay for your accommodation in cash or by card? With a physical card or with a smartphone or watch?

How long ago did you book your trip? Last minute or far in advance?

How much internet do you plan on using in your hotel room?

Travelling with a minor? Are you their parent, teacher, or maybe football coach?

If you’re thinking, “Jeez, that sounds like a pain” — you’re entirely right. Frank Radstake from the Dutch trade association ANVR took his time to fill out the questionnaire himself.

And it took him… *drumroll please*… a whopping 45 minutes. 😀

But… why exactly?

Great question. By collecting this data about its tourists, Spain believes it will be easier to catch terrorists and criminal gangs coming into the country.

This is especially relevant for the south of the country, where there is a lot of organised crime, as well as more than a hundred international drug gangs, including Dutch ones.

The catch? Not only does the list of questions add a lot of prep work to something that should be enjoyable, but the Spanish government also plans on storing all the answers for three years.

If everything goes according to the government’s plan (and it looks like it will), the questionnaire could be introduced as soon as December 2 of this year.

What are your thoughts on this new measure? Share your thoughts in the comments.

Here’s how to get the Dutch job of your dreams with Undutchables

Katrien Nivera 🇵🇭

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October 25, 2024

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Here’s how to get the Dutch job of your dreams with Undutchables

Many people face challenges when it comes to finding their dream job in the Netherlands.

It’s no secret that the job market is becoming increasingly competitive, but getting a job in the Netherlands doesn’t have to be difficult if you know where to look — or rather, who to look with.

That’s because if there’s anyone who knows about finding jobs for internationals in the Netherlands, it’s Undutchables.

This international recruitment agency has years of experience pairing expats with the Dutch job of their dreams — and you could be next!

Ready to find your next job in the Netherlands? Here’s how.

Why Undutchables?

As the top recruitment agency for internationals and multilingual professionals in the Netherlands, Undutchables knows more than a thing or two about helping internationals find the perfect job.

They aim to connect eager professionals with reputable businesses based on their industry and needs and help build a good rapport with both candidates and companies in the Netherlands.

photo-of-woman-in-office-with-plants-turning-and-talking-to-someone — Look for job opportunities that match your personal situation and preferences. Image: Freepik

Do you want to work hybrid or have flexible hours? Undutchables can match you with the right company.

TIP: Are you looking for a job in the Netherlands in a language other than English? At Undutchables, you can filter job vacancies by language, so you can look for positions in French, German, and more! Have a look at their vacancies and find the right one for you.

All of their recruiters are internationally oriented and trained to give professional advice to job searchers in any field.

Rest assured, you’ll be working with experienced recruiters who know what it’s like to be an international looking for a job in the Netherlands.

How does it work?

Ready to start your job search with Undutchables? Here’s how their recruitment process works:

1. Register with Undutchables as a candidate in their database

First step: you have to register with Undutchables and join their extensive database.

Equipped with your CV and professional profile, Undutchables’ recruiters can match you to the most relevant and fitting vacancies.

photo-of-young-woman-updating-resume-holding-sheets-of-paper-in-office-with-laptop-and-pens-on-table — Keep your CV up to date with all the important information. Image: Freepik

If you find an opening that seems suitable, you can also apply to vacancies on the Undutchables website yourself.

Of course, your data and CV are fully confidential, so your personal data will only be shared with companies with your permission.

2. Contact an Undutchables recruiter about a potential vacancy

Undutchables is always updating the website with new openings, and you can even sign up to get a job alert every time they post new vacancies.

If you find a job in the Netherlands that matches your interests, skills, and language preferences, you can apply for it through their website.

woman-applying-for-a-job-through-undutchables — Applying to jobs in the Netherlands always takes time. Image: Depositphotos

Then, the recruitment consultant responsible for the vacancy can contact you to discuss the position in more detail. Appeltje eitje, toch? (easy peasy, right?)

An Undutchables recruiter can also contact you to apply for a vacancy that suits your profile, whichever comes first.

3. Go for a screening with Undutchables

When you’ve applied for your dream job, or Undutchables has found you a matching vacancy, you’ll be invited to a screening with their recruiters.

Geen stress (no stress), though — the preliminary interview will give recruiters an idea of your experiences, career ambitions, and overall suitability for the role.

photo-of-undutchables-orientation-session-man-sitting-at-table-with-recruiter — Make a good first impression with the recruiters at Undutchables. Image: Freepik

You’ll also have a chance to ask any questions you may have about the vacancy and about finding work in the Netherlands in general.

Undutchables also offers insider tips for writing an excellent CV and doing job interviews.

4. Connect with the potential employer

After your screening with Undutchables, the recruiter will prepare your professional profile and CV and introduce you to the company.

Undutchables has built up quite the reputation for being a trusted recruitment agency for internationals in the Netherlands. Companies trust their recommendations, so you certainly won’t mind the extra advantage. 🤗

5. Have an interview with the company

If company recruiters or HR like what they see, they’ll invite you for their own interview.

woman-interviewing-a-candidate-screened-by-undutchables — Time for another interview! Image: Depositphotos

Undutchables is still part of the process, providing you with all the necessary information, as well as some insider advice to make sure you smash that interview.

From that point, companies will continue with their hiring process, which may consist of more interviews or some kind of skill assessment, depending on the job and company.

6. Get the Dutch job of your dreams!

After a successful round of interviews and assessments, you’ll be hired by the company: Gefeliciteerd! (Congratulations!).

The type of contract you’ll get will depend on the company and job requirements, but the recruiters at Undutchables will keep you informed and help you with contract and salary negotiations with the new company.

man-signing-job-contract-after-getting-help-from-undutchables — “Gefeliciteerd” on your new job! Image: Depositphotos

After all, you won’t want to get caught up with a company that doesn’t have a good sick leave policy.

Now it’s time to work hard and play hard. 😎

Job-hunting can be a tedious task, and it can be especially daunting if you’re looking for a job in another country.

It’s certainly nice knowing there’s someone knowledgeable and experienced in your corner who knows what it’s like to look for a job and work in the Netherlands.

With Undutchables, you’ll be able to navigate the Dutch job market like a pro and progress in your career quickly.

Have you worked with a recruitment agency in the past? Tell us about your experiences in the comments!

9 kooky things about renting in the Netherlands

Chloe Lovatt 🇬🇧

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October 24, 2024

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9 kooky things about renting in the Netherlands

Finding a home to rent in a foreign country can feel like an especially daunting task.

When it comes to huren (renting) in the Netherlands, there are many types of accommodation to choose from, despite the ongoing housing shortage.

Whether you want to rent a studio, live in a cosy shared flat, or join in the fun of a big student house, there is something for almost everyone in the Netherlands.

However, there are some truly odd Dutch traditions, and unexpected administration unique to the Dutch renting culture.

Whether you are signed up to 20 Facebook groups or are regularly refreshing Kamernet, here’s how to prepare for the culture shock when trying to find the perfect rental in the Netherlands.

1. Hospiteeravond in the Netherlands: speed dating for housemates

Want to feel insecure about how well you make a first impression? Then a hospiteeravond is for you!

Many cultures are used to the concept of an open house, but the Dutch take this to a whole new level — just for finding a new roommate!

At a hospiteeravond, everyone interested in the room turns up with a stash of alcohol and gives it their all to impress the current housemates — by invitation only, of course.

people-gathered-around-a-table -in-the-living-room-in-the-Netherlands — Ready and waiting to grill you at a Dutch ‘*hospiteeravond’* when trying to find a room. Image: Pexels

If you’re brave enough to show up, the hosts aren’t afraid to ask you some, um, interesting questions.

Don’t be surprised if you get asked, “What kind of road sign are you?” or “If you had to be a fruit, which one would you be?”. Yep, it’s just as awkward as it sounds.

2. No internationals/Dutch speaking only

So you’ve found a great room in a beautiful flat within your price range through a Facebook group. Great! But a quick scroll down reveals the dreaded words: “No internationals” or “Dutch speaking only.”

Let’s be honest: labelling a post with “No internationals” is exclusive and can be perceived as a little xenophobic. After all, what if you’re an international who is fluent in Dutch?

The Dutch are officially the best non-native English speakers in the world, so you’d think they wouldn’t mind switching languages over lunch.

On the other hand, it’s understandable that Dutch natives want to speak their mother tongue in their own homes. The Dutch already fear the loss of their language in the wake of globalisation.

photo-of-man-explaining-something-in-dutch — Dutchies want to speak Dutch with their new roommates. Image: Freepik

Maybe this is another example of Dutch directness coming into practice. At least you won’t waste your time responding to people who will only end up ghosting you. 💁

3. Ongemeubileerd and kaal: bare as a baby’s bottom

When the Dutch say unfurnished, they mean unfurnished! Don’t be surprised if you walk into your new Dutch rental to find that it doesn’t have any curtains, floorboards, or even kitchen appliances.

Even if you view the property with all these items, the current tenants may strip it back to its original state when they leave.

Often, you can come to an agreement and buy any necessary furnishing from the previous tenant, but you will have to arrange this between yourselves.

So if the rent sounds cheap, check the small print!

Quick Dutch language guide for renting

Dutch	English	What it means
Gemeubileerd	Furnished	Basic furniture is included, and perhaps some other amenities (plates, pots, glasses, etc.)
Ongemeubileerd	Unfurnished	Just the apartment, generally with flooring, curtains, and lights present (but not always, so double-check!)
Gestoffeerd	Upholstered	Curtains, lights, and flooring, but no furniture.
Kaal	Bald	No flooring, curtains, lights, or furniture. Walls may be painted.

4. Antikraak: how the Dutch keep squatters out

Looking to rent for the short term and wouldn’t mind living in a former bank or theatre? Antikraak could be the answer.

It translates to ‘anti-squatting’ and pretty much does what it says on the tin — stops people from illegally squatting.

The idea is you are basically a legal, tidy squatter, paying a reduced rent to keep the water running and preventing the property from being vandalised.

photo-of-girl-sitting-in-antikraak-in-netherlands — Netflix and legal squatting (‘antikraak’) in the Netherlands. Image: Pexels

It isn’t the best option if you’re looking to rent for the long term — as they can boot you out with as little as two weeks’ notice.

But there’s a wide range of spaces available, from churches to office blocks and even unused schools. 🏢

5. Strict rules on maximum registered residents

If you and your partner want to rent a two-bed house, don’t bank on using it as a side hustle by renting out other rooms.

In the Netherlands, all residents are required to register at an address — and municipalities place strict limits on how many people can register at each property.

That means that even if you rent a house that’s bigger than you need, you can’t (legally) rent out a room to another student. Yep, there goes that holiday fund.

6. Huurtoeslag: the Dutch government helping to pay your rent

Sometimes, it feels like there are a lot of costs involved in moving to the Netherlands. From health insurance and registration fees to having to pay for a bank account (it’s only €0.01 a month, but I’m still bitter).

woman-paying-dutch-rent-bills — Bills pile up but the Dutch housing benefit could help you. Image: Depositphotos

But, thanks to the Dutch social care system, there is help out there for those on a tight budget — even with your rent.

Huurtoeslag is a Dutch housing benefit and is available to anyone on a low income.

There are some specific criteria, but even expats are eligible for the allowance! Good to know the Dutch government’s got your back! You can find out if you’re eligible on the government tax website.

7. Agency fees: what am I paying for?

There are pros and cons to using real estate agencies to find a place to stay in the Netherlands.

To start, you are less likely to be vetted by the current housemates in a dreaded hospiteeravond. However, you often have to pay an agency fee — before you find a house that you want to apply for.

These fees are required for you to view the property and can range from less than €50 for a whole year to a few hundred. The legality of this is a grey area, but that doesn’t stop agencies from charging whatever they like.

The only exception to crazy Dutch real estate agency fees is a sleutelgeld. This is a payment separate from the deposit, also known as a “key fee.”

It may be worded in the contract as a fee to “release your key” or as a “takeover fee”. This is illegal.

If you have been asked to pay this by an agent, landlord, or tenant, you can get free legal advice from agencies such as !Woon or Juridisch Loket. Question any charges that aren’t clearly explained. Know your rights!

Photo-of-house-for-rent-Netherlands-after-increased-transfer-tax-for-Dutch-landlords — Rental agencies in the Netherlands help you find housing but know your rights. Image: Depositphotos

8. Rental scammers in the Netherlands

In an ideal world, everyone would be honest, and decent, and not try to scam you. Unfortunately, there are those out there who try to take advantage of your desperate need for a Dutch house (thanks, housing crisis).

Rental scammers are especially common in the Netherlands. There are scammers hiding in every nook and cranny of Facebook rental listings but paid websites like Kamernet and Pararius also aren’t immune.

Here are some hard and fast rules to avoid getting scammed:

Don’t sign a contract before you have viewed the property, in person or virtually.

NEVER give over a deposit before signing a contract and (preferably) receiving the keys.

Be suspicious of everyone — but especially those who refuse to give you a tour of the property.

9. Rental deposits (and landlords keeping them)

Deposits are the bane of a renter’s life. Sometimes it feels like a chunk of money you will never see as it bounces from one landlord to the next. But deposits can come at a particularly hefty price in the Netherlands.

photo-of-girl-holding-euro-banknotes-for-netherlands-currency-in-hands — Dutch rental deposits can cost you quite a lot of geld. Image: Unsplash

It can be a lot of money, sometimes as much as three months’ rent — the most landlords and rental agencies are allowed to ask for. You sure as hell want that back!

The Dutch are known for being frugal, which means landlords in the Netherlands can be exceptionally stingy when it comes to returning your extortionate deposit.

In theory, it shouldn’t be hard to get your deposit back, but some landlords like to drag their feet. They cannot keep your deposit for general wear and tear but don’t expect to get it back if you’ve punched a hole in the wall.

Have you experienced any of these Dutch oddities when renting? Or got any tips about finding a house in the Netherlands? Tell us in the comments below!

7 things you need as a freelancer in the Netherlands

Katrien Nivera 🇵🇭

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October 24, 2024

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7 things you need as a freelancer in the Netherlands

So you’ve recently decided to become a ZZP’er (zelfstandige zonder personeel) — a self-employed person or a freelancer, as one may call it. Congratulations!

But from registering your business to maintaining your day-to-day finances, it can be daunting to get used to the ins and outs of freelancing.

Here are 7 things you’ll need to be a successful freelancer in the Netherlands.

1. Certification from the Kamer van Koophandel (Chamber of Commerce)

Before you can officially start freelancing in the Netherlands and working for different clients, you have to head to the Dutch Kamer van Koophandel (KvK). Here, you will be given the proper certification so that you can legally work in the Netherlands.

This involves the typical Dutch bureaucracy. The meeting shouldn’t take longer than 45 minutes, and you’ll gather important documents, fill out forms, and make a payment (usually of €50) for opening your business.

Two-people-meeting-at-the-chamber-of-commerce-to-register-freelancing-in-the-netherlands — You’ll review some documents, sign some forms, and discuss your business with someone from the Dutch Chamber of Commerce! Image: Freepik

Among these important forms, you will receive your BTW number (VAT number), which will register you with the Belastingdienst as a business that must pay taxes.

You will also receive the all-important KvK number. This number should be included in your invoices and also when identifying your business to potential clients.

2. An up-to-date website or portfolio

No matter the profession, everyone needs a website or portfolio — it’s not just useful for making sure potential clients can reach you, but also for allowing them to view what kind of work you do. Think of it as a digital CV!

photo-of-freelancer-sitting-at-desk-in-the-Netherlands-working-on-website — Make sure you have a website! Image: Freepik

Depending on the website-creating service you use, you can include all kinds of important career-related documents: contact details, entries of different works you’ve done, clients you’ve worked for, and links to your CV and other social media you may use for your business brand.

3. Good branding and social media

Speaking of, as a freelancer in the Netherlands, you’re also in charge of your business branding and marketing to attract more clients.

It’s important to make sure you have a strategy in mind for how you want to present yourself as a freelancer to potential clients.

Tip: If you want to focus on the professional side of your business, it’s worth creating a LinkedIn account and keeping it updated with projects you’re working on and clients you’re in business with.

This strategy can include creating a strong social media presence (whether it’s through Instagram, Facebook or TikTok!), building a unique online portfolio or website, and creating letterheads and logos so other people can identify your business.

4. An organised invoicing system

Once you’ve done work for a client, it’s time to get paid! Unlike regular employees, freelancers aren’t given paychecks by their clients.

A-freelancer-man-on-the-phone-while-checking-a-document — Make sure you’re getting paid for your hard work! Image: Freepik

Instead, freelancers need to invoice their clients, indicating all the expenses such as value-added tax (VAT, or BTW in Dutch), and other potential expenses like travelling costs.

Invoicing clients can be chaotic, especially if you have a lot of finances to handle, so it’s useful to find an easy-to-use invoicing system.

Tip! Services such as Finom offer a handy, foolproof invoicing system for freelancers in the Netherlands. You can check out a variety of their su bscription tiers for access to essential financial tools as a freelancer.

5. Great accounting skills

Freelancers in the Netherlands also need to have a good grasp of accounting and finances.

You’ll be in charge of making sure you bill your clients for your work, file your taxes (this includes knowing where and when to do it), and keep track of all kinds of business expenses (for example, a new work laptop or a travel subscription).

photo-of-freelancer-in-the-Netherlands-sitting-in-front-of-laptop-with-coffee-doing-her-taxes — You’re going to have to handle your own accounting. Image: Freepik

Don’t be scared. These are skills you can learn yourself — or you can hire a professional (a.k.a. an accountant) to help you get a handle on these finances.

6. A business bank account

While we’re on the subject of finances, having a separate business bank account can be useful for managing finances and getting an overview of your costs as a freelancer in the Netherlands.

With a second bank account, you can easily keep track of business expenses separate from your personal ones!

Finom offers a number of financial services that may be helpful for freelancers in the Netherlands, from opening a business bank account and debit/credit cards, automating important payments, handling any international transfers and more.

7. A solid pension plan

While you live and work here, you also gain the benefit of a General old age pension (AOW). This benefit is usually lower than how much you earn while working, but that’s not necessarily the case if you’re a freelancer who plans their pension well!

Freelancers in the Netherlands have a few ways to supplement their pension. For example, you can take out annuity insurance with a bank, insurance company, or investment broker, which will invest part of your income and pay out your savings once you retire.

Woman-setting-up-her-pension-as-a-freelancer-in-the-netherlands — Thinking about your retirement plan already? Image: Freepik

You could also put money aside in the Dutch retirement reserve, which allows you to take these savings as part of your expenses, resulting in a lower income tax assessment.

Each plan has its requirements, advantages, and disadvantages, so make sure to do some extra research and consult a financial expert to find out which plans would work best for your business situation.

Becoming a freelancer in the Netherlands is an exciting endeavour, and with these tips, you’re ready to work independently and with lots of flexibility!

Are you thinking of becoming a freelancer? Tell us in the comments below.

Experts are criticising the new Dutch asylum policies: Here’s why

Beatrice Scali 🇮🇹

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October 24, 2024

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Experts are criticising the new Dutch asylum policies: Here’s why

The Dutch government’s plans to revamp the asylum system are not even official yet, and they’re already being criticised by various parties — including immigration policy experts.

Following yesterday’s leak of the Dutch coalition’s newest asylum reforms, RTL Nieuws has talked to two experts — and neither of them is impressed with the government’s plans.

“Very stupid short-term politics”

According to migration history professor Leo Lucassen, the proposed plans are “very stupid short-term politics” which will only achieve the goals of dehumanising refugees, reinforcing negative sentiments about them, and complicating integration.

“The message is: we are going to make it as difficult as possible for you because you are people we do not want here,” he tells RTL Nieuws.

He’s not the only concerned expert: asylum lawyer Maartje Terpstra also expressed doubts about the reform’s soundness.

Between the two of them, the experts took issue with nearly every point in the coalition’s plan. 👇

Shortening residence permits

If the coalition’s plans become law, being granted asylum in the Netherlands will be much harder and, even then, the residence permit will only be valid for three years (instead of five).

For Lucassen, these measures will prove to be expensive mistakes.

When people expect to be deported from the country or only allowed temporarily, they can’t invest as much in building a life in the Netherlands, complicating their integration into Dutch society and economy.

Terpstra, in turn, calls shortening the permits a “non-measure”.

As most unsafe countries owe their status to deep-rooted issues, forcing immigration services to re-evaluate the safety of each refugee’s home country every three years will do little more than increase the IND’s paperwork volume.

That is because, according to international law, as long as a country is considered unsafe, “you cannot send a status holder back.”

Declaring parts of Syria safe

Speaking of safety, the coalition’s measures include unilaterally declaring parts of Syria safe.

However, Terpstra points out that this decision is not up to the coalition — it is actually the Ministry of Foreign Affairs’s job, and it must be done through a thoroughly researched report.

Who’s stealing jobs now, huh? 🫣

Restricting family reunification

The coalition is also considering preventing (adult) children from joining their parents in the Netherlands.

Judging from past EU Court rulings, however, that won’t fly: “Newcomers have the right to family reunification,” says Terpstra.

Will the plans still turn into law?

Regardless of whether or not the cabinet will decide to take into account the concerns of immigration experts, the plans still have a long way to go before becoming effective.

For starters, they need the backing of the entire government coalition. So far, they’re just an informal compromise between the PVV and NSC.

While BBB’s leader Caroline van der Plas seems open to the reforms, the VVD is yet to express itself.

Plus, even if the whole coalition comes to an agreement, the plans will still need to get past the Council of State, the House of Representatives, and the Senate.

Do you think the cabinet should listen to the asylum experts’ concerns? Let us know in the comments below.

The Dutch “buy now, pay later” ban: What you need to know

Liana Pereira 🇱🇰

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October 24, 2024

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The Dutch “buy now, pay later” ban: What you need to know

The Dutch House of Representatives has just voted to ban “buy now, pay later” schemes in physical stores, due to worrying increases in debt accumulation.

Online shoppers are probably already accustomed to seeing it — the enticing “buy now, pay later” (BNPL) option at the checkout section of your favourite webshop.

However, whilst delayed payment schemes might seem like flexible options when you’re short on cash, the Dutch government and the Netherlands’ Authority for the Financial Markets (AFM) have zeroed in on many hidden dangers.

Worrying debt accumulation trends

Speaking to the NOS, AFM’s Teun van der Velden stressed that the “accumulation of debt and also the habituation of taking on a debt every time” was the most worrying aspect of “pay later” schemes.

He mentions that customers who frequently use BNPL options “no longer have [an] overview” of how much money they’re actually spending.

tourists-in-amsterdam-shopping — The dangers of debt accumulation make “buy now, pay later” schemes a far less enticing choice. Image: Depositphotos

And this issue is even more problematic offline, where van der Velden states that “there is much more of a financial necessity: I don’t actually have the money, so I press the ‘pay later’ option.”

Evidently, the Dutch government agrees with the AFM’s view — as shown by last Tuesday’s motion to ban BNPL schemes in physical stores.

Stricter laws for online delayed-payment schemes

Whilst BNPL plans are still allowed for making online payments, European regulations will subject postpay providers to far stricter rules.

From November 2026 onwards, providers will also face supervision from the AFM.

In the meantime, the AFM has also offered several pointers to help you stay on top of these payments if you’re buying things online. 👇

Ensure late payments don’t add up: Failure to pay on time will often incur additional charges, making your initial purchase even more expensive.

Check your mailboxes: As most payment reminders are dispatched via email, it’s best to keep a close eye on your email inboxes.

Familiarise yourself with postpay providers: Very often, your postpay provider is responsible for sending you payment reminders — so make sure you recognise the name in your email inbox.

Know that you may not be able to make returns: Postpay options for expenses like flight tickets and fancy dinners can’t be returned, so you’ll be obligated to pay for them.

Don’t opt for BNPL plans if you’re already in debt: A lack of funds might lead to your account being transferred to a collection agency, which will harm your credit score and may even incur collection costs of up to €40.

What do you think of “buy now, pay later” plans? Tell us your thoughts in the comments below!

Halloween in the Netherlands: the ultimate [and spookiest] guide for 2024

Samantha Dixon 🇦🇺

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October 23, 2024

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Halloween in the Netherlands: the ultimate [and spookiest] guide for 2024

Double, double, toil and trouble, Halloween in the Netherlands is just a nubble. Luckily for our American friends, Halloween celebrations have started to trend. In the cauldron, boil and bake, Dutch Halloween is in the make.

Here’s a harrowing thought for our American readers: Halloween in the Netherlands is virtually non-existent.

We say virtually because we can’t deny it’s been creeping up in popularity over recent years. We’re going to attribute this to more expats and that Dutch people really like wearing costumes. Oh, and the free candy! 🍭

Are you searching for a way to get your freaky Frankenstein on? Or a chance to get some treats and play some tricks? Read on for the frightful, the gruesome, and the ghoulish celebrations for Halloween in the Netherlands. 👻

Is there a history of Halloween in the Netherlands?

Halloween in the Netherlands is little more than a creeping Americanisation — the Dutch have never traditionally celebrated Halloween and likely never will. After all, the Dutch are potato-eaters, not pumpkin-carvers.

However, that hasn’t stopped Halloween parties from popping up, Dutch stores from stocking ghastly orange products, and even trick-or-treaters from hitting the streets. 🎃

halloween-netherlands-trick-or-treat — Halloween in the Netherlands is gradually becoming more popular. Image: Pixabay

But, what the Dutch traditionally do have is Sint-Maarten. It’s almost two weeks later than Halloween and, like its American sibling, features kids knocking on doors and getting candy (or money!). Unlike Halloween, the children switch full costumes for masks and sing delightful songs instead of chanting “trick-or-treat!” 🎶

For a Sint-Maarten celebration, you’ll have to hold your horses until November 11 — and this is still only celebrated in some regions. Or, if you’re looking to indulge in some fancy dress, perhaps Carnaval is more your style. 👯

But, if you just can’t wait for the hair-raising hocus-pocus and want to celebrate Halloween the way we’ve all grown up seeing in American movies, read on for all the spellbinding events for Halloween in the Netherlands in 2024.

Can we go trick-or-treating during Halloween in the Netherlands?

Can you go knock on people’s doors dressed in spooky costumes and ask for candy? Well, technically, you can do that any day of the year, but the Dutch aren’t likely to give you any — and they might even call the politie. But, on October 31st? The real answer is it depends.

Some residents in certain neighbourhoods do agree to decorate their houses with Halloween decorations, so children know where they can trick-or-treat. 🍬

For example, Fazantenkamp in Maarssen, Utrecht, does a ghost tour through their village each year. In Den Haag, a Trick-or-Treat evening has been arranged in the past near B. Thoenplantsoen — children know where the candy is by flyers that hang in the window of participating houses.

Will there be candy?

Asking the real questions. Even data backs up that people stock up on sweet treats around Halloween. In 2017, sales of the candy company Haribo increased by 65% in the weeks leading up to Halloween.

Even better, instead of chanting ‘Trick or Treat!’ the Dutch prefer to go for ‘je snoep of je leven,’ or directly translated ‘your candy or your life’ — so sweet, right?!

(FYI: I’m all for free sweets, but don’t give me any of that drop, okay? I don’t care what the Dutch think; that’s not real candy🙅 ).

So will the Dutchies in your neighbourhood be donning costumes, slapping on face paint, and preparing bowls of free candy?

Ultimately, it’s more likely to be individual streets involved rather than whole neighbourhoods, but it’s a chance you’ll have to take on the evening.

But never fear on the spookiest night of the year, DutchReviewers! Even if we can’t confirm Trick or Treating locations, there are a plethora of spine-chilling events taking place all over the Netherlands! Read on for more details. 👀

Halloween in the Netherlands: where to buy costumes

What’s more terrifying than the spookiness of Halloween? Not having the best costume, of course! While some stores, such as SoLow, will stock a small selection of Halloween costumes, we prefer to make things easy and do it online.

Dutch-family-preparing-for-Halloween — Children’s costumes are quite easy to come by! Image: Depositphotos

Remember not to be the person that comes as ‘laundry’ to a Halloween event (you’re better than that — and it’s not fooling anyone). Have some fun, throw on a wig, slip into a costume, and get into the Halloween spirit! 🦇

All dressed up and nowhere to go? Well, now that you’ve got your killer costume, let’s find somewhere to wear it.

What is there to do on Halloween in the Netherlands in 2024?

Maybe you’re too old to trick or treat, or maybe you just really like gruesome costumes or fright nights. No matter your preference, if you want to celebrate Halloween in the Netherlands without trick-or-treating, you may just find something that takes your fancy. 🍾

halloween-netherlands-party — Halloween in the Netherlands is the perfect time to party. Image: Pexels

If you have kids, you might not want to traumatise them immediately, and you prefer something less terrifying for now.

Spend Halloween at Center Parcs, where you can join some daytime programs with your whole family! If you just want to show off your pumpkin carving skills, this is also the place to be! 🎃

If, for any reason, your deepest desire is to get terrified while climbing trees in the dark, we have good news for you! Fun Forest Park in Almere, Rotterdam or Amsterdam offers you a unique Halloween night climbing experience. We hope you will enjoy your anxiety in the forest! ☠️

And last but not least. If, for you, Halloween is about getting wasted in a Dracula costume, it’s time to head to the Dutch capital! This year, Amsterdam Halloween returns to WesterUnie, and it will be bigger (and scarier) than ever!

Don’t forget that most cities have events and parties going on. Just search Halloween events in your area, and you’re bound to find something great!

Ready for a frightening evening? While Halloween in the Netherlands isn’t part of Dutch history, the night is really coming into its own.

Scope out your trick-or-treat destinations, decorate your house, and head to a truly spook-tacular party! 🥳

Will you be celebrating Halloween in the Netherlands this year? Let us know in the comments below!

DutchReview

DUTCHREVIEW

DutchReview

Best mobile banking apps in the Netherlands

Best banking apps for saving in the Netherlands

Best banking apps for investing in the Netherlands

Dutch banking apps: Frequently asked questions

What is the best online payment app in the Netherlands?

Which bank is best for expats in the Netherlands?

Which is the best online bank in Europe?

Is it safer to bank online or with an app?

Which bank mobile app is the best in the Netherlands?

How a mistake turned into a nightmare

“I have nothing to hide”

Six hours in jail

Salt on the wound

A widespread problem

The narrowest house in Amsterdam: Oude Hoogstraat 22

Amsterdam’s other narrow houses

The Loophole: Singel 7

The kleine Trippenhuis: Kloveniersburgwal 26

Tour all of Amsterdam’s narrowest houses

Doing too much? Probably

But… why exactly?

Why Undutchables?

How does it work?

1. Register with Undutchables as a candidate in their database

2. Contact an Undutchables recruiter about a potential vacancy

3. Go for a screening with Undutchables

4. Connect with the potential employer

5. Have an interview with the company

6. Get the Dutch job of your dreams!

1. Hospiteeravond in the Netherlands: speed dating for housemates

2. No internationals/Dutch speaking only

3. Ongemeubileerd and kaal: bare as a baby’s bottom

Quick Dutch language guide for renting

4. Antikraak: how the Dutch keep squatters out

5. Strict rules on maximum registered residents

6. Huurtoeslag: the Dutch government helping to pay your rent

7. Agency fees: what am I paying for?

8. Rental scammers in the Netherlands

9. Rental deposits (and landlords keeping them)

1. Certification from the Kamer van Koophandel (Chamber of Commerce)

2. An up-to-date website or portfolio

3. Good branding and social media

4. An organised invoicing system

5. Great accounting skills

6. A business bank account

7. A solid pension plan

“Very stupid short-term politics”

Shortening residence permits

Declaring parts of Syria safe

Restricting family reunification

Will the plans still turn into law?

Worrying debt accumulation trends

Stricter laws for online delayed-payment schemes

Is there a history of Halloween in the Netherlands?

Can we go trick-or-treating during Halloween in the Netherlands?

Will there be candy?

Halloween in the Netherlands: where to buy costumes

What is there to do on Halloween in the Netherlands in 2024?

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