Are you on the hunt for the best Dutch Christmas presents to give to your nearest and dearest? Weโve sourced the merriest bits and bobs to pop under the tree!
In the flurry of activity that often surrounds this season, it can be hard to choose the best gifts for your loved ones.
We know the struggle, so weโve put together a cadeautje (little gift) for you: a guide to the best Dutch Christmas gifts to give your loved ones this year.
Already know what you’re looking for? Jump ahead! ๐
Ahh… is there anything better than waking up to a well-brewed cup of coffee? โ
This snazzy De’Longhi Nespresso machine is perfect for any giftee who can’t go without their morning cappuccino โ but would rather not spend cafรฉ prices on it.
Help your nearest and dearest ease the stress of meal planning this holiday season with a delicious gift box from HelloFresh.
From sirloin steak to burrata salad and creamy cheesecake, these 2-4 person dinners will be a hit with any guest โ without the hassle of meal planning.
Fall asleep with your partner in the Netherlands โ and wake up just in time to hit some Christmas markets in Brussels, Antwerp, Berlin, Dresden, or Prague.
And, perfect for the better halves that love active holidays, European Sleeper has just announced a new ski stop in the Austrian Alps.
If you’re looking for a Christmas present that just keeps on giving, Trade Republic’s limited-time offer is an excellent option.
Even better, it’s fully customisable โ just choose what stock or ETF you want to gift, decide on an amount, and add a personal Christmas message to make it truly special.
Crafted for people who love blasting music on the go, Apple’s new AirPods make a great choice for a little gift under the tree.
Even better? Thanks to Apple’s active noise cancellation, your giftee will be able to jam to Mariah Carey’s infamous Christmas jingle โ with no interruptions. ๐
Looking for the ideal stocking stuffer (or THE best gift for those awkward office parties ๐)? We’ve got you covered!
Amazon’s gift cards cater to a range of budgets and take the load of picking a gift off those tired shoulders of yours. Plus, if you want a personal touch, the cards are fully customizable.
Ah, the holidays truly are the most wonderful time of the year: food, wine, and all of lifeโs most precious joys. But who says it all has to end on January 1?
If you gift someone a Baltazar wine box, youโre not just giving them three delicious wines to taste, but also the good times that come with them. Proost!
Thin waffles and rich caramel syrup? Ja, please! If youโre unsure of what to get someone, just offer them the sweetest of Dutch treats: a tin of Daelmans stroopwafels.
Ideally paired with a mug of hot cocoa, tea, or coffee, your loved ones can enjoy a cosy moment that captures the spirit of Christmas.
Letโs face it, the journey of being an international in the Netherlands can often be confusing, frustrating, and downright hilarious.
Englishman Ben Coates details his saga in โWhy the Dutch are Differentโ โ a compelling read whether youโve just landed in the Netherlands or have been here for years.
More fabulous gift ideas will be added as the season progresses, so you may want to bookmark this page if you’re still on the hunt for that perfect Christmas prezzie. ๐
Dig into the perfect holiday reading list with these articles:
A well-connected public transportation system, the localsโ ability to speak excellent English, and the Netherlandsโ modest size all make it one of the easiest European countries to travel around โ but you need to come prepared.
From clothing to electronics and handy apps, these items are must-haves for your trip around the Netherlands.
The best part? This list was compiled by expats who have lived in the Netherlands for years and experienced the highs and lows that come with every season in the lowlands.
1. Your best rain gear
Anyone whoโs been living in the Netherlands for more than three months will tell you that itโs not all sunlit canals and pretty tulips.
With grey, gloomy skies and rain pouring down 24/7, the winter (and sometimes the other seasons too) in the lowlands is, in fact, the opposite of that.
In a country as windy as the Netherlands, only the most hardcore umbrellas survive this kind of weather. This is why youโre better off packing gear that will actually protect you.
An umbrella is not enough to survive the Dutch rain. Image: Freepik
If nothing else, youโll need at least a lightweight rain jacket to throw on during out-of-the-blue rain showers. For even more protection, an easy-to-pack-away rain poncho is a great option.
Grab a basic one for just a few euros from Hema or Blokker, or invest in a proper outdoor poncho from brands like Decathlon or Bever.
For cycling around and other outdoorsy activities, it pays off to have a pair of rain pants.
While theyโre not the most fashionable piece of clothing, they do provide the much-needed protection from heavy rain. A decent pair can be purchased for around โฌ25 from Decathlon or Hema.
Last but not least, make sure you have shoes that are waterproof and not just fashionable. Your dry feet (and socks) will thank you later.
Pro tip: Thereโs nothing more annoying than having to sit down on a drenched bike saddle. Wrapping it with a plastic shopping bag is an easy (and super cheap!) fix for this.
2. An eSIM to stay connected
How do you get from the airport to the heart of Amsterdam? Do the famous Van Gogh Museum and the Anne Frank House still have tickets available for the day you want to visit?
Whether you need directions or information about opening times, the ability to look things up on the go is priceless, especially when youโve just landed in a new country.
Why rely on unstable public Wi-Fi when you can just use a convenient eSIM?
Yesim offers the ultimate eSIM for tourists and travellers. You can choose between different packages for the Netherlands based on the amount of data you need or opt for unlimited data for a set number of days.
3. Bike-appropriate clothes
Thereโs no experiencing the Netherlands without hopping on a bicycle and enjoying a few kilometres of the amazing 153,000-kilometre-long network of cycling paths.
However, to make the most of this unique experience, youโll want to be dressed for the occasion.
Flip flops and mini skirts look cute, but they might not be the best bet when youโre breezing through the windy Dutch seaside towns.
Instead, opt for comfortable pants and sneakers. If you do wish to look a bit more elegant, we recommend getting a pair of mini shorts to wear under your skirt or dress.
You’ll want to make sure that you’re comfortable when you’re exploring Dutch cities and landscapes by bike. Image: Freepik
For extra comfort in the winter, make sure you have a scarf and something to keep your ears warm. Handlebar mittens can be an effective and convenient solution for cold hands.
And always remember โ it can start pouring at any moment, so donโt forget to throw a rain poncho or other rain gear in your bag before you head out.
4. A European power adapter
Unless youโre coming from another European country, you will need a power adapter. The Netherlands uses type C and type F plugs.
If you forgot yours, you can usually find them at the airport or check out one of the popular Dutch stores. Head to Action or Blokker for cheap adapters, or try Kruidvat if you want a more fancy one.
5. A debit card & some cash
Not every establishment in the Netherlands accepts credit cards, and AmEx can be especially problematic.
The most convenient way to pay? Ditch your credit card and use a debit card. You can use it not only in stores and restaurants but also on public transportation and in public toilets.
Debit card and cash are your best bets when it comes to paying in the Netherlands. Not all establishments accept credit cards. Image: Freepik
Cash is the next best thing in places where your credit card wonโt work. Maar let op! (But watch out!) Some places are PIN ONLY, which means you canโt pay there with cash.
Note: Surviving with just your credit card might be possible in more touristic places like Amsterdam โ but donโt count on it once you venture off the beaten track.
6. A trustworthy translation app
Itโs true that the Dutch speak excellent English. However, you might still end up in situations where a translation app is the only way to understand whatโs happening.
Think about restaurants with no English menus. How would you choose the right filling for your boterham if you donโt even know what that means?
You might also want to use a translation app for street signs and other information in public spaces that might only be in Dutch โ it could save you from walking into the wrong bathroom.
The one caveat of translation apps? They donโt always work without the internet. Thatโs why it pays off to purchase an eSIM for your Dutch travels. With Yesim, you can choose from multiple packages for the Netherlands depending on your needs.
7. A location-specific weather app
Weโve already established that the weather in the Netherlands is highly unpredictable and can go from gorgeous sunshine to a nasty downpour mixed with hail in a matter of minutes.
Luckily, there are handy apps local to the Netherlands that ensure you are (almost) always prepared for whatโs to come.
The two most common weather apps used in the Netherlands are Buienradar (rain radar) and Buienalarm (rain alarm).
Having a weather app in the Netherlands can help you avoid some unpleasant surprises. Image: Depositphotos
Theyโre usually fairly accurate and show not only the forecast for a few hours ahead but also how strong the rain is at any given moment on a scale from light to heavy to way beyond heavy.
8. A decent water bottle
Most tap water is safe to drink in the Netherlands and youโll find convenient water fountains in many public places.
Why are we telling you this? Many restaurants donโt offer free tap water (despite technically being legally required to).
Thatโs why itโs convenient to bring your own water bottle and refill it wherever you go. It reduces plastic pollution and is kinder to your wallet (a large bottle of water can set you back as much as โฌ6 in Dutch restaurants nowadays). Itโs a win-win!
With all the right clothing and other handy tools and items, youโll be able to enjoy the Netherlandsโ major cities and hidden gems alike in any kind of weather.
What would you recommend people bring for traveling around the Netherlands? Leave your suggestions in the comments below!
Hoera! The new year is approaching quickly โ and with it come higher costs and income adjustments. ๐ฌ
As the AD writes, new financial changes are coming our way starting January 1, 2025.
What will these changes look like? Letโs break them down.ย
The good, the bad, and the ugly of income adjustments
1. Your monthly salary will change
Do you make an average Dutch salary? Good news! From 2025 onwards, you will get an extra โฌ56 in net pay per month.
However, if you earn between โฌ1,000 and โฌ2,000, you might actually see your salary go down. Ouch. ๐ฌ
For example, if you work 36 hours per week at a minimum salary, your net salary will decrease by โฌ4.75 per month, earning a monthly salary of โฌ2059.08.
2. Weโre getting a new tax bracket
The third tax bracket is back and ready to shake things up. The result? Most people will be left with a little more money โ yay!
The first tax bracket will be lowered to 35.82% (on income up to โฌ38.441), while the general tax credit will decrease by โฌ294. The labour tax credits, on the other hand, will increase by โฌ67.
3. Pensions are going upย
Some good news for the retired! ๐
As of 2025, a โฌ1,000 supplementary pension goes up by โฌ12 per month, and a โฌ1,500 supplementary pension increases by โฌ18.ย
Pensioners will get more in 2025. Image: Freepik
4. Dutch minimum wage is rising
The minimum wage in the Netherlands will rise from โฌ13.27 to โฌ14.06 per hour in 2025.
With this, the basic old age pension (AOW) and benefits will also increase. Hoera!ย
5. Changes to governmentallowancesย
Given the rising living costs in the Netherlands, Dutch toeslagen will be raised next year.ย More specifically:
The maximum healthcare allowance will increase by โฌ8 per month.
Brrr, feel that chill in the air? Winter has arrived in the Netherlands, and with it an inevitable spike in energy bills.
Whether youโre cranking the heat or layering up under three sweaters, knowing a thing or two about your energy bills can save you a lot of stress (and euros).
So, grab a cup of hot Chocomel, and letโs dive into five things you should know about your Dutch energy bill going into 2025.
1. Your energy costs will rise in 2025
Curious what your Dutch energy bill will look like come January 1? Us too.
The new year will bring higher energy costs โ mainly due to increases in network management fees and variable energy tariffs, reportsBusiness Insider.
Network management fees are set to rise by 11%, adding around โฌ60 per year to the average household’s energy bill.
What will your 2025 energy bill look like? Image: Depositphotos
As of January 1, variable gas prices will also increase, with rates rising by โฌ0.02 to โฌ0.07 per cubic metre, depending on the provider.
For an average household consuming 1,200 cubic metres per year, this results in an additional โฌ60 per year.
Electricity prices will see smaller adjustments, with some providers raising rates slightly and others lowering them.
Overall, households can expect their energy bills to rise by around โฌ120 per year, or โฌ10 per month.
2. But there are heaps of ways to reduce your energy bill in the Netherlands
In view of rising prices, thereโs one thing weโll likely all try to do: cut costs where we can. Luckily, there are many ways you can slash your Dutch energy bill. These include:
3. Depending on your situation, a fixed or variable contract may be better
When it comes to finding the right energy contract for your situation, youโll also have to make a decision between getting a fixed or a variable contract.
A fixed contract is ideal for those who prefer predictable bills and want to avoid price fluctuations. It locks in energy rates for a set period, and protects you against rising prices. This option is best if prices are low when signing the contract.
A variable contract adjusts prices based on the market, which can be profitable if prices are expected to go down. It offers flexibility, making it a good choice for those who donโt mind fluctuations and want to take advantage of falling prices.
You can call your energy provider to get better insights into your contract. Image: Depositphotos
In general, fixed contracts provide more security, while variable contracts offer potential savings but with greater unpredictability. Which one you choose comes down to personal preference and whether you prioritise price stability or flexibility.
4. You can get government subsidies for making sustainable changes
The Dutch government is committed to reducing CO2 emissions and supporting its population in transitioning to sustainable energy use (yay Netherlands!).
Solar panels are very popular in the Netherlands because the government used to subsidise them. Image: Freepik
In the Netherlands, the following initiatives can make going green more attractive:
Solar boiler and heat pump subsidies: Financial support is available for purchasing solar water heaters (zonneboilers) and heat pumps.
The Energiebespaarlening: A low-interest, government-backed loan designed to help homeowners finance energy-saving measures for their homes.
Cooperative energy projects: Residents can join forces to invest in renewable energy projects (e.g., solar or wind power) for their neighbourhood, and access funding via the Subsidieregeling coรถperatieve energieopwekking, which subsidises the energy generated by these projects.
5. Energy prices could continue to go up in the Netherlands
Letโs end with a look into the future. The bad news is that the energy youโre getting in 2025 is probably the cheapest itโs going to be for a while. ๐
Prices are set to continue rising. Image: Freepik
Like most things, Dutch energy bills โ especially for gas โ will likely keep rising in the future. In fact, as RTL reports, we could be paying โฌ400 more per year for gas by 2030 than we did in 2023.
Why? Letโs break it down:
โโHigher taxes on gas: To encourage people to use less gas,the government is increasing energy taxes. While thereโs a small tax relief planned, the overall tax per cubic metre of gas is still going up.
Green gas requirement: Come 2026, energy suppliers must include some “green gas” (a more environmentally friendly type of gas) in what they sell. This is great for the planet but costs more to produce, so the extra cost will show up on your bill.
Higher connection fees: As more people switch to homes without gas connections, those who still use gas will have to pay more to maintain things like pipes and meters.
Do you have any tips for dealing with rising energy bills? Share them in the comments!
After the 2024 Eurovision *ahem* fiasco, it was unclear for a long time whether the Netherlands would participate in next year’s song contest. But now we can rejoice: the Dutch participant has just been announced!
Representing the Netherlands at Eurovision 2025 in Basel, Switzerland is… Claude!
Who is Claude?
As NU.nl writes, Claude is a Dutch-Congolese singer who previously expressed his wish to participate in the Eurovision Song Contest.
Known for his funky pop beats and influenced by artists like Stromae, Claude sings in both Dutch and French, blending his Congolese heritage with his Dutch identity.
At just 9 years old, Claude fled Congo with his mother, three brothers, and three sisters, seeking refuge in the Netherlands.
Now, at 21, he has the chance to make his country proud by bringing home the Eurovision 2025 title. ๐
12 points to the Netherlands!
โI feel extremely honoured that I will represent the Netherlands at the Eurovision Song Contest next year and I still can’t believe it,” Claude tells AVROTROS. “I’m really looking forward to it and can’t wait to present my song to Europe.โ
While the song he will perform in Basel hasnโt been revealed yet, it was chosen by a selection committee from a whopping 331 entries โ so expectations are high!
In May 2025, Claude will compete against participants from 37 other countries. If he wins, it would mark the Netherlandsโ sixth Eurovision victory.
Succes, Claude! โจ
What do you think of the Netherlands’ entry for Eurovision 2025? Leave your thoughts in the comments.
Life in the Netherlands is full of amazing experiences and opportunities โ but itโs also expensive.
From the cost of living to the price of daily essentials, it can sometimes feel like your money disappears faster than you can earn it.
But thereโs good news. By taking inspiration from the Nederlanders and implementing these 11 smart money-saving hacks, you can save money while living your day-to-day life in the Netherlands. ๐ธ
As one of the most trusted banks in the Netherlands, ING offers free savings accounts that are not only safe but also packed with features. Open your free savings account today and let that money grow! ๐
1. Travel with an NS subscription ๐
Coming from Luxembourg (where all public transport is free), the price of train travel in the Netherlands was one of the biggest shocks for me and my wallet.
If youโre commuting regularly or exploring different parts of the country, you can easily run up a bill of a couple hundred euros each month. However, a personalised OV chipkaart with an NS subscription can help you save a significant amount of money.
Travel without risking bankruptcy. ๐ Image: Dreamstime
Whether you opt for the Dal Voordeel (40% discount during off-peak hours) or the Altijd Vrij(unlimited travel), these subscriptions offer discounted rates that make your journeys much more affordable.
2. Set up an auto-save plan with your bank ๐ฐ
One of the hardest parts about saving money is having to consciously think about it all the time. But you donโt have to!
Instead, just set up a recurring direct debit from your current account to your savings account and watch your savings grow effortlessly.
Some banks, like ING and bunq, make saving even easier by having a feature that lets you round up each purchase to the nearest euro or multiple of two or five.
The surplus is automatically put into your savings, and ta-da: youโve got yourself a financial cushion without even noticing it. ๐
3. Go Dutch! ๐ฒ
As silly as it may sound to internationals, going Dutch and splitting the bill is one of the most effective ways to save money and stay on top of your spending in the Netherlands.
Drinks taste better when you’re not left closing the tab. Proost! Image: Depositphotos
So, next time youโre out for dinner with friends or sharing an Uber, make sure you send them a payment request afterwards. Splitting the cost ensures youโre not overpaying and helps you manage your budget better.
And the best part? Itโs so ingrained into Dutch culture that you donโt have to feel weird about it!
Cha-ching! Going Dutch is easier than ever with INGโs payment requests. Whether you want to request a specific amount, split multiple transactions or let your friends pay you via QR code, INGโs betaalverzoek lets you get your money instantly. โก๏ธ
4. Get your cleaning and hygiene products at Action ๐งผ
Sure, buying all your necessities in one go at the supermarket is tempting, but did you know you can save a lot of money by buying certain things at Action?
The discounter gives you unbeatable prices, especially when it comes to cleaning supplies and personal hygiene products.
For example, my local PLUS supermarket charges โฌ11.99 for 810 millilitres of trusty old Ariel laundry detergent, while I can get 2340 millilitres for โฌ13.88 at Action. Thatโs more than double the amount of product for not even โฌ2 more!
Thereโs a reason Dutchies love Action so much โ and your wallet will, too.
5. Use big appliances during off-peak hours ๐งบ
Yep, you read that right: the Netherlands has a reduced energy tariff at night on weekdays and all day on weekends and public holidays.
The exact times may depend on your province or energy provider, so make sure to check with them for more details.
Laundry detergent is expensive enough; save money by running a load on the weekend. Image: Freepik
Simple changes, such as charging your laptop overnight and doing laundry on weekends, can help you take advantage of these lower rates and save money on your energy bills.
Itโs a small habit that can lead to significant savings over time.
Good to know: Youโll need a smart metre that automatically switches between the two rates โ old metres wonโt cut it anymore
6. Get things for free on your birthday ๐
Itโs your birthday? Gefeliciteerd! Time to make the most of it by scoring birthday freebies from your local businesses. Yup, free stuff on your birthday isnโt just an American thing; the Netherlands knows how to join the party too. ๐
To get your hands on these goodies, youโll often need to sign up for a businessโs app or newsletter, but thatโs a small price to pay for some birthday treats.
Here are some of the freebies you can snag in the Netherlands on your special day:
A free hamburger, McFlurry, or nuggets at McDonaldโs
A free doughnut at Dunkin’
A free tompouce at HEMA
A free piece of Swedish pie at IKEA
A free piece of pie at La Place
A free dessert at New York Pizza
Discounts or free samples at Douglas, ICI Paris, Etos, Kruidvat, and Rituals
Discounts or free admission at selected amusement parks or cinemas
7. Save food from being wasted with handy apps ๐ฉ
Food waste is a major issue for both our wallets and the planet. Luckily, there are ways we can make a difference with apps like Too Good to Go or Albert Heijnโs Overblijvers(leftovers) programme.
These apps let you buy surplus food and produce at a fraction of the cost, be it from businesses, restaurants, and stores. Simply download the app, browse the available offers, and purchase food that would otherwise go to waste.
Save food, it’s good for the planet! Image: Depositphotos
By doing so, you can enjoy delicious meals and produce at a lower price while contributing to reducing food waste. Itโs a win-win!
8. Use tools to see whatโs on actie ๐ป
The Dutch love to save money, so itโs no surprise they have plenty of tools to help find the best deals.
Websites like Tweakers (for electronics), Teerkost (for groceries), Voordeelmuis (for general deals), and Biernet (for beer) are great for finding promotions on whatever you may need.
By keeping an eye on these sites, youโll be able to score the best deals, keep your expenses down, and maximise your savings.
9. Shop at your local (super)market ๐ฅฆ
Instead of always shopping at big chains like Albert Heijn or Jumbo, why not head to your cityโs weekly market for fresh produce at lower prices?
Fresh AND affordable? Sign me up! Image: Depositphotos
If your city doesnโt have one or you need something during the week, try your local Polish, Turkish, or Asian supermarket! For example, at my Turkish supermarket, a huge bundle of fresh herbs is โฌ0.40, while Albert Heijn charges โฌ1.15 for a much smaller pack.
These local shops usually have quality goods at better prices, and they often offer unique products you wonโt find in larger supermarkets. That means you get to widen your culinary horizons while also supporting local businesses AND saving money. ๐
10. Get subscription plans where you can ๐ฅ
Love going to the movies? Get a Cineville pass. Big fan of museums? A Museumkaart is perfect for you! Workout junkie? Youโll love a ClassPass membership.
Subscription services exist for everything from clothing rentals to workout classes, and finding the right abonnement for your lifestyle can save you a lot of money in the long run.
Not only do you get consistent access to your favourite activities and services at reduced rates, but you also get to enjoy your hobbies and interests without overspending.
11. Use apps to get discounts on outings๐ดย
Going out to eat, shop, drink, or explore is so much more fun when you know youโre getting the best value for your money. The good news is that there are quite some ways to save money on your uitjes (outings).
Who doesn’t love a good “korting”? Image: Depositphotos
First off, some banks, like ING, have a loyalty programme that lets you save points with your daily banking activities. Points can be redeemed online for discounts on various products and services, from spa visits to clothing, electronics, and meals.
When it comes to dining out, apps like The Fork, Neotaste, and Social Deal can help you score fantastic deals, such as meal discounts and special promotions. Eet smakelijk!
Living in the Netherlands doesnโt have to be a financial strain, and with the right money-saving hacks, it can be even more enjoyable.
So, monitor those price trackers, send those payment requests and keep that budget in check. Youโve got this!
What are your best tips for saving money? Share them in the comments!
Books, tuition fees, rent, beers, and no time for a real job โ being a student is expensive. Luckily, the Netherlandsโs neobank par excellence, bunq, is ready to help you out!
At bunq, students can use a bunq Pro subscription, worth โฌ9.99 per month, entirely for free.
Those who want more can also get bunq’s smartest subscription, bunq Elite, for just โฌ9 per month (instead of โฌ18.99).
The catch? There is none, as long as you fulfil two simple criteria.
This post might have affiliate links that help us write the articles you love, at no extra cost to you. Read our statement.
Whoโs eligible?
To benefit from bunqโs free bunq Pro account, all you have to do is:
Be on a bunq Pro plan (or switch to one), and
Verify your student status in your bunq app
Once you meet these two requirements, your monthly fee will be waived, and your invoice will be automatically deducted.
If youโre eligible for bunqโs free bunq Pro account, the non-existent price tag might convince you to make the switch. If that’s not enough, let me give you three of my favourite features that make getting a bunq Pro subscription worth it. ๐
1. Sub-accounts galore
Ever wish your finances could be as organised as a Dutch agenda around Christmas time? Well, they can!
With bunq, you can create up to 25 sub-accounts, each with its own IBAN. Whether itโs for groceries, vacations, or that inevitable โtreat yourselfโ fund, youโll have everything neatly sorted with a swipe.
2. Free bank cards for days
Yes, we know itโs all about mobile payments in the Netherlands these days, but there are times when you really need a card.
Luckily, with your new bunq account, youโll get up to three cards โ completely free. You can choose from a Mastercard Debit (perfect for online shopping and travelling abroad), Mastercard Credit (for car rentals/hotels when travelling), or Maestro (for those sneaky Dutch shops that donโt accept the first two).
Feeling good while spending money? Itโs possible! Every time you make a payment with bunq, youโre doing your part for a greener planet.
How so? bunq not only shows you the CO2 footprint of your monthly spending but also offsets it by planting trees in Kenya for a greener world. To date, they have planted over 20 million of them. ๐๐งก
These features definitely have us impressed, but even better, bunq has one of the highest savings interest rates in the Netherlands at 3.36% โ now youโre just making money!
The quick guide: how to transfer money to and from the Netherlands (and save money)
Letโs get down to business with five easy steps to transferring money to or from the Netherlands cheaply and safely. ๐
Sign up for a money transfer service such as Wise (this is our top pick and one that we use personally!)
Choose the amount of money you want to send and in which currency.
Add the recipientโs bank details.
Verify your identity.
Pay for your transfer, take a breath, and kick back.
Warning! Some money transfer services in the Netherlands will rip you off on the exchange rate with hidden fees or charges, or will take days to transfer. We’ve researched the cheapest, quickest, and most trustworthy services below!
6 tried-and-tested ways to transfer money in the Netherlands, reviewed and ranked
All of the options below offer excellent exchange rates and fast transfers and are regulated under national frameworks.
What we like most about this company is that Wise’s exchange rates are as close to the mid-market rate as possible โ meaning you get more bang for your buck. Coupled with handy extra features and ease of use, we’re definitely fans!
As internationals who live in the Netherlands, we also like the Wise card that lets you spend money like a local in 50 different countries, the app’s transaction notifications, and the ability to get bank account details in 10 different countries.
CurrencyFair makes it into our top three thanks to its low fees and transparent, easy-to-use website. However, while they offer two handy ways to change currencies (immediate rates or peer-to-peer rates), CurrencyFair is primarily suited for North America, Europe, and Oceania users.
In addition, it’s not possible to transfer money directly via credit or debit card, so you need to have your bank details handy.
One of the only traditional Dutch banks that offers comprehensive money transfer capabilities, ING provides quick processing times, next-day payments, and the ability to schedule transfers in advance.
As a team of internationals from across the globe, weโre also big fans of the fact ING allows you to make payments to a whopping 243 different countries. However, let op: processing times for certain countries may be longer than usual.
With 20-plus years of experience with foreign currencies, Xe offers competitive rates and is particularly suited for people looking to send more than โฌ250 at a time.
Xe is definitely one of our top picks for sending money to and from the Netherlands, but their websiteโs user-friendliness for doing international money transfers could be better. Their website and bonus features are also mainly focused on currency/exchange rate literacy.
A veteran in the field of online international money transfers, Moneycorp offers a wide array of resources to keep you (and your money) up to speed with the latest exchange rate developments.
Theyโre best suited for larger transfers as they donโt have any percentage fees but instead charge a small markup. That also means youโll benefit from planning your transfers in advice so they can help you get the very best exchange rate
Despite being the only option on our list that’s more of a bank than a money transfer service, Revolut is ideal for small to medium money transfers. Theyโre easy, fast, and cheap โ but make sure you plan your transfers on weekdays if you want the best rates.
As a neobank, Revolut naturally offers a variety of features aside from international money transfers. Unfortunately, Revolut isnโt known for its customer service and doesnโt have ideal help available when it comes to money transfers.
Supplying a whopping 22 currencies across 47 countries, TransferGo is a rock-solid choice for sending money to and from the Netherlands. Their exchange rates are live and super-competitive,making your transactions as close to the market average as possible.
However, TransferGo may not be ideal for super-speedy bank transfers across continents. Customers making money transfers to or from 10 countries (such as the US and Canada) will experience delivery times around 1 business day longer than others.
International money transfers: what to look out for
Generally,transferring money within the EU doesnโt cost much (if anything) if the payment stays in euros.
However, as soon as you transfer money to or from a country with a different currency, youโll encounter some heavy fees.
But before fleeing from the excessive rates of the bank, letโs learn how to spot them. ๐
Exchange rates on international money transfers
The exchange rate you receive on an international money transfer isnโt as simple as the rate you see on Google or on the news.
Instead, many transfer providers skim money off the top by providing an exchange rate that’s lower than the mid-market rate that you see on the web or on the news. Hence, always check the end product of how much money will be sent or received.
Fast money transfers? Yes, please! Image: Depositphotos
Hidden fees and charges
When transferring money internationally through your bank, theyโll often charge a fixed fee for the service โ in addition to the money they make on the exchange rate.
Note that sometimes, the bank will charge a very low fee but have hidden markups. ๐ Essentially manipulating the price you pay for the transfer service through the exchange rate โ often without you noticing.
How to spot a currency conversion markup: If the current exchange rate is โฌ1.13 per USD and the transfer service offers you โฌ1.00, that means youโre being charged โฌ0.13 for every single euro you transfer!
Speed of the transfer
Another thing affecting how much you pay for moving money to and from the Netherlands is the speed of the transfer.
Normally, it takes one to five business days for the money to whoosh across a country/continent/ocean but some snazzy services guarantee a lightning transfer in less than an hour!
Ways to transfer money to and from the Netherlands
Okay, by now, youโve gathered there are a few ways to send money abroad. But whatโs the easiest? The cheapest? The fastest? Allow us to explain.
Using online international money transfer services
Online international money transfer services are companies like Wise. They beat the banks to generally easier, always cheaper, and often faster money transfers. ๐
How? The main difference between an online international money transfer service and a bank is that an online service offers the actual mid-market exchange rate, whereas banks overcharge you through markups and hidden fees โ ja, echt.
You sign up with an online money transfer service on their website or via an app and then simply follow their instructions to send your money. Online international money transfer services tend to operate very similarly, so you need to keep an eye out for their exchange rates!
Transferring money online is a breeze, but do keep an eye on exchange rates! Image: Freepik
Luckily, (and unlike banks) online international money transfer services are transparent with their fees, and the final cost of your transfer is easy to spot and compare.
Sending money internationally via a neobank (like bunq or Revolut)
If online international money transfers arenโt your cup of tea, but you also donโt want to be ripped off by a traditional bank, then a neobank might be for you. A neobank is a fully digital bank such as bunq, N26, or Revolut.
Aside from not having a physical branch and being much more flexible, neobanks differ from traditional banks as they often partner with an online money transfer service.
Both bunq and N26 partner with Wise, meaning youโll be set up with one of the best online international money transfer services without having to as much as lift a finger!
Revolut, on the other hand, doesnโt partner with anyone. While they donโt provide the mid-market exchange rate (and hence have a small markup), they donโt charge any other fees โ so itโs still cheaper than using a traditional bank for your transfers.
Although the specifics of an international money transfer differ a little depending on which neobank you use, sending money via a neobank is generally just a few clicks away using the bankโs in-app features.
Doing an international transfer via your traditional bank
Okay, we might not be super positive about traditional banks’ way of handling your international money transfers but letโs have a look anyway, shall we?
Doing an international money transfer via a traditional bank is the default for many โ and we understand why! It feels familiar, comfortable, and safe. And it is. Itโs just not cheap. ๐
Sometimes you can also complete a transfer in person, but it’s much faster online! Image: Depositphotos
Generally, you go to your online banking portal and select โinternational transferโ before providing the relevant information (the amount of money, currency, receiver details etc.). Then youโll be asked how you wish to pay for the costs from your bank account.
With a traditional bank, youโll have to choose who pays for costs associated with the transfer: you, the receiver, or splitting the cost between the two. Additionally, youโll need to pick when you want the money transferred and what type of transfer (for example, an EU transfer).
After that, just wait for the money to arrive in the receiverโs account.
Let op! Some banks in the Netherlands, such as ING, canโt even transfer money internationally from your Dutch bank account. Instead, they ask you to use a third-party service.
Sending money through a wire service
The last way to transfer money to or from the Netherlands is by using a wire service such as Western Union or Moneygram.
Both of these services operate in the Netherlands, so you can easily show up at any of their physical locations.
This way of sending money personally means you can send cash whenever needed. However, itโs not always convenient and almost never goedkoep (cheap).
Additionally,while wire services have entered the 21st century and do offer services online, they are outcompeted by services such as Wise, which specialises in online international money transfers.
International money transfer services explained
Some of those online international money transfer services sound pretty good, right? If youโve decided on your favourite already โ awesome! Here comes the nitty-gritty stuff. ๐ง
How to make an international money transfer
Got people waiting for you, or are bills stacking up? Laten we gaan! (Letโs go!).
๐ฉโ๐ป 1. Open an account
The first step to making an online international money transfer is to open an account with your chosen service (our personal choice is Wise). You can do this via their website or an app, depending on who you choose to wire money through.
Hassle-free banking? Sign us right up! Image: Freepik
Opening an account tends to be free, easy, and fast โ our three favourite words. ๐
๐ 2. Confirm your identity
While not mandatory for all, many transfer services will ask to see some sort of ID before you can make your first money transfer. So, have your passport or national ID card handy!
๐ธ 3. Choose the amount of money to send and its currency
Type in the amount of money in the currency you want to send and the currency you want it converted to.
Most pages here will show you the cost of the transfer (and the best will even include a breakdown of those costs for full transparency).
๐โโ๏ธ 4. Select delivery speed
This is where things get interesting. When making an online international money transfer, you can select multiple โspeedsโ for your transfer.
Most services will have a few options that determine how fast your money will whoosh to the recipientโs account โ but let op, typicallythe faster the transfer, the more money you pay.
โ 5. Add recipient details
Whoโs the lucky receiver? Make sure to have their full name, IBAN or account number, and sometimes their contact details ready.
๐ณ 6. Pay up
Finally, pay the amount youโve chosen to transfer and any additional costs from the online money transfer service.
Some services have more payment options than others, but you can count on at least being able to pay either via credit or debit card or a regular bank transfer. Sometimes, you may need to provide a payment reference.
๐ 7. Complete the transfer
Congratulations! You just finished your first online international money transfer! Now all you have to do is wait for the money to clear the transfer service and reach the recipientโs bank account.
Transfers are generally easy peasy lemon squeezy! Image: Wise
Once that happens, youโll get a notification from the transfer service.
How to receive an international money transfer
Oh, the satisfaction of seeing money trickle into your account โ let us know if youโd like our bank details! ๐
๐ค 1. Provide your details to the sender
Really, when receiving an online international money transfer, your part is easy. All you need to do is make sure you give the person transferring you the money the correct bank and contact details.
Good to know: Often, you need to provide a SWIFT code when sending or receiving international transfers. A SWIFT code is an 8-11 character code used to identify your financial institution around the world. It makes international transfers faster as it helps banks process the transaction โ swiftly. ๐
๐ 2. Wait for a notificationโฆ and enjoy!
Once the money has been deposited in your account, youโll likely receive a notification to inform you that the transaction has been successful. Then, it’s time to start spending.
The costs involved in a money transfer to the Netherlands
By now, you know that using an online international money transfer service is the cheapest way to send money to and from the Netherlands.
However, itโs always best if you know exactly which costs are involved.
These depend on:
Which currencies you are changing between: The costs of money transfers in the Netherlands depend most heavily on exchange rates (i.e. the value of the euro compared to other currencies).
How much money you are transferring: Sending larger amounts will cost you more per transfer but is cheaper in the long run. Think of it as buying in bulk at the supermarket.
The speed of the transfer: If you want to transfer money fast, you better budget it.
The transfer companyโs fee: This is how the online money transfer service makes its main income, so remember to factor in the transfer fee and any additional charges when sending money to the Netherlands or abroad.
Tips on transferring money cheaply: To save on costs when transferring money internationally, make sure that the transfer service is operating from the mid-market exchange rate, send larger amounts at a time, donโt pay for fast transfers but plan in advance, and compare different services to guarantee that youโre getting the most out of your money.
How secure is an international money transfer?
Rest assured that using an online international money transfer service is safe and protected by EU regulations. Amongst others, this regulation:
makes it easier and safer to use Internet payment services;
better protects consumers against fraud, abuse, and payment problems;
promotes innovative mobile and internet payment services;
and strengthens consumer rights.
Nevertheless, itโs always a good idea to read up on the transfer service before using it, check reviews, and look at its security information (which should be available on the serviceโs website).
How do you prefer to conduct money transfers in the Netherlands? Tell us in the comments below!
Money transfers in the Netherlands: Frequently Asked Questions
How can I transfer money to a Dutch bank account?
You can transfer money to a Dutch bank account via an online international money transfer service (such as Wise), a neobank (like bunq), or through your traditional bank by making an international transfer.
How can I transfer money internationally from my Dutch bank account?
You can transfer money to a foreign account from your Dutch bank account by making an online transfer via your own bank. However, itโs cheaper to use an online international money transfer service such as Wise.
Whatโs the best way to transfer money internationally?
The best way to transfer money internationally is by using an online international money transfer service. Online transfer services beat the banksโ prices, and provide fast, easy, and cheap transactions while guaranteeing your safety.
How can I get the best exchange rate on an international money transfer? ย
To get the best exchange rate on an international transfer, make sure the transfer service youโre using is operating based on the mid-market rate.
How can I make an international money transfer from the Netherlands?
To make an international money transfer from the Netherlands, set up an account with an online international money transfer service, choose the amount of money you want to send and in which currency, add the recipientโs bank details, verify your identity, and pay for the transfer. Thatโs it!
How long does an international money transfer take?
Generally, it takes one to five business days for an international money transfer to reach the recipientโs bank account. However, some online international money services can get it there as fast as an hour! Be aware that you often pay for the speed of a transfer.
How can I save money on an international money transfer?
The best tested and tried way to save money on your international money transfers is using an online service such as Wise. Online international money transfer services offer better exchange rates and charge lower fees than traditional banks.
Knowing how to prepare for a Dutch winter can be daunting, especially if youโre completely unfamiliar with the weather here. But adjusting to your new climate neednโt be so scary.
I arrived here from South Africa and had time to ask locals for advice on how to shop for proper cold-weather clothes before Dutch winter hit.Even so, my first winter here was incredibly tough.
In retrospect, though, there were a lot of simple changes that I could have made to avoid a lot of icy misery.
If you’d like to avoid making the same mistakes that I did, here’s a handy guide on everything you need to know about surviving a Dutch winter! โ๏ธ
This post might have affiliate links that help us write the articles you love, at no extra cost to you. Read our statement.
What to expect from a Dutch winter
Dutch weather is always somewhat sporadic and unpredictable, but one thing is certain: there will always be a lot of rain.
Youโll know the cold season is on its way when the days get shorter, greyer, and colder. By the time winter is in full force, the sun will be coming up at around 9 AM and going down at around 4 PM.
A typical gloomy winter day in the Netherlands. Image: Depositphotos
Average temperatures will be around three degrees Celsius (37.4 F), dropping to zero (32 F) (and below) at night and rising to a max of about six degrees Celsius (42.8 F) during the day.
So, with those almost-freezing temperatures, will our spirits at least be lifted with some drifting snow?
Well, in the past, it wasnโt uncommon for it to snow for a couple of weeks every year in the Netherlands. In recent years, however, this has become increasingly rare. (Thanks, global warming! ๐)
Though that may sound depressing, the Dutch are experts at making the wintertime a bright, festive delight โ with sugary comfort foods and cosy evenings inside.
Knowing how to dress during this time is the key to surviving โ and having fun โ during a Dutch winter. ๐
What to wear to survive winter in the Netherlands
Making sure you’ve got the right clothes for the season is arguably the most important thing. Luckily, however, you have plenty of choices when it comes to picking out garments in the Netherlands.
My biggest tip for winter clothes is to buy things here, and not before you arrive โ unless you come from a cold country. What looks and feels warm enough at home simply wonโt be the case when you get here.
In addition to this, be sure to stock up on your winter gear before November hits, as these will typically be cheaper during the warmer months.
Even though winter technically only starts in December, if you come from a hot country, youโll really start to feel it around the end of October, which is when youโll see coats popping up in all the stores.
Are you looking for some handy tips on what to consider when shopping for warm winter clothing? I’ve got you covered! ๐
The art of layering
This might sound obvious to those from colder climates, but to beach babies like me, it was not.
Staying warm in the winter is all about layering. You will constantly be moving from heated interiors to the freezing outdoors, and you need outfits that can accommodate both.
Pro tip: get some snuggly sweaters! Image: Freepik
Outside, youโll need your coat, sweater, shirt and maybe even an under-shirt. Inside, on the other hand, youโll likely want something suitable for around 19 degrees Celsius.
Need some inspo? Here’s an option for women that’ll do a brilliant job of taking you from early autumn through winter:
You can’t go wrong with Amazon Essentials for affordable, comfortable knits that you can wash and wear over and over again.
Featuring a cotton/polyester blend, these sweaters are true-to-size, durable, and come in a range of flattering, neutral shades that are perfect for layering under cardigans.
Made from a comfy cotton blend, these best-selling crew neck sweaters are perfect for layering but can also be worn on their own during autumn.
Are you hoping to dispel those winter blues with a pop of colour? In addition to a range of neutrals, these sweaters also come in a light orange, rich burgundy, and bright blue.
Having sweaters and cardigans of different thicknesses is also key, depending on how deep into winter you are. For the depths of winter, look for cable-knit sweaters made out of cashmere, angora, or even merino wool (if you’re layering).
You might be tempted to buy thermal layers, but personally, I never wore mine because I quickly realised they made me too hot when I was inside or biking.If you‘re more sensitive to the cold, however, then you may find them handy.
Jackets and coats
Okay, this point is critical.
Do not do what I did โ buy a โฌ50 polyester coat from H&M. You have to accept that if youโre going to keep yourself properly warm in this country, youโll need to invest in quality.
Cheap coats and flimsy parkas just won’t cut it! Image: Freepik
A decent new coat will cost around โฌ100 or more, and spending the extra money will be worth it for your health and sanity. But buying second-hand is always a great option if you need to save money.
Before you make the investment, make sure your potential coat or jacket passes the following tests:
Fabric
First and foremost, check what the coat is made from before you buy it. I donโt care how fluffy it is; polyester will never keep you as warm as wool, cotton, or down feathers (around 800 fill is good for winter).
Any of the ski brands with fancy technologies are also quality options. Look out for insulation technologies like 3M Thinsulate, PrimaLoft and Under Armour’s ColdGear Infrared.
If you’re looking for some options from Under Armour, I can recommend:
It’s rare to find something on the more affordable end of Under Armour’s ColdGear Infrared range, which makes this jacket a bit of a steal.
It’s also lightweight enough to keep up with your biking/jogging/walking habits โ whilst providing all the warmth you’ll ever need on a cold, Dutch winter’s day.
Coats made from these materials are often used for ski jackets because they are more compact, lighter in weight, and keep you warm in snowy weather.
Nylon, flannel, cashmere and hemp will also do the job, but arenโt as popular.
Length
Your jackets and coats need to be cycling-friendly, which means turning yourself into a walking sausage is not going to work.
Either buy a coat that goes down to your jean pockets (mid-length) or a longer coat with a reverse zip or buttons that you can open up the bottom when cycling.
Rain and snow proof
Make sure the coat is waterproof and not just water-resistant. If the rain decides to bucket down, a water-resistant coat will simply not be enough โ and youโll quickly find there’s nothing worse than getting wet in the cold.
A waterproof coat will also prevent you from getting wet in the snow (should the snowflakes decide to grace us with their presence).
Top tip: Read the labels on how your coat should be cleaned! I once ruined a coat by throwing it in the washing machine. Not fun.
Shoes to wear during winter in the Netherlands
In the lead-up to winter, youโll need light, waterproof shoes like sneakers or leather boots.
Thick winter boots are just the thing to keep your feet warm and cosy. Image: Freepik
But for winter, get some thicker boots (fluffy insides are great!) which should also be waterproof.
Thick soles with good grip are important, so if thereโs any ice, you donโt slip and fall.
Accessories you’ll need in a Dutch winter
The cold air creeps into every opening it can find, and any exposed bits of skin will feel like theyโre falling off if you donโt protect them.
Hence, you will likely need the following to survive winter in the Netherlands:
Thick socks (or layer your regular socks!),
a beanie,
gloves,
a scarf,
legwarmers, and
earwarmers!
You’ll definitely need to wrap up if you want to play in the snow! Image: Freepik
Preparing for rain in the Netherlands
If you thought a waterproof coat was all you needed, think again.
Regardless of how you prepare for Dutch rain, youโre going to get a little wet, but there are ways to help keep yourself as dry as possible.
Storm-proof umbrella
I canโt tell you how many of my umbrellas have died miserable deaths at the hands of strong winds. ๐ฌ
Wave doei (bye) to your ordinary umbrellas because they won’t last a Dutch winter! Image: Depositphotos
If it looks flimsy in the store, it ainโt gonna last, so donโt buy it. Get yourself a storm-proof umbrella.
They look like odd pyramids but make for a more aerodynamic design that wonโt bend and break away in the wind.
Rain pants
A very particular area of your legs takes the brunt of the rain when you are cycling โ your lap. But depending on the rain, your legs could get entirely drenched, and having cold, damp trousers is never fun.
The simple solution: rain pants! You can get these in different lengths (upper legs or full length), and they are basically raincoats for your legs that you can strap over your trousers. Trust me, they make a difference!
For those who’d rather not be soaked and shivering in the latest Dutch rainstorm, these trousers offer a high-quality alternative to waving a magic wand and staying dry 24/7.
Plus, with Columbia’s breathable Omni-Tech construction, the interior of these pants is kept warm and comfortable โ even in cold weather.
If the thought of trudging through the office with damp legs after cycling through a Dutch rainstorm fills you with dread, these trousers might be just what you need to stay dry.
With fully sealable seams and an adjustable drawstring waist, they’re ideal for battling the gusty wetness that the Netherlands has to offer.
At the end of the day, if you have the right clothes, your entire winter experience will be warmer, dryer, and significantly more comfortable.
How to avoid seasonal depression
The lack of sunlight during winter can affect your health in various ways, but one which is important to be aware of is Seasonal Affective Disorder (SAD). In short, this is a depressive disorder triggered by a lack of light.
If you show any symptoms of SAD, consulting your GP is, of course, important. But there are some simple things you can do to help prevent this from happening in the first place:
Try to get as much sunlight as possible. If the sun breaks through and you have a lunch break or a moment to spare, put on that coat and head out there!
Physical exercise. Anything from walking, dance classes, gym or yoga will help.
Light therapy. You can buy SAD lamps which mimic sunshine that you can have at your desk as you work through the day.
Get into a sleep schedule and follow it. This will help your body adjust to waking up in the dark and feeling tired at the right time.
Vitamin D supplements help replace the vitamins you would have otherwise been getting from the sun.
Socialise and stay connected. Calling family and friends back home really helps, but making new friends here will also help you through the colder months.
How to make the most of a Dutch winter
Donโt be afraid; your first Dutch winter may seem daunting, but it can actually be a lot of fun!
Christmas in the Netherlands is a whole new experience for those from the southern hemisphere. This is especially true of Christmas markets, which have various delicious food and drinks you need to try!
Heading to a Christmas market with your friends might be the pick-me-up you need! Image: Depositphotos
If you have kids, the Dutch have mastered many family-friendly winter activities. Outdoor ice rinks pop up all over the country, which are great fun regardless of your age. Even better โ some Dutch canals freeze over for ice-skating, too!
Every year, more and more municipalities are deciding to abandon the beloved Dutch tradition of setting off as many fireworks as possible to welcome the new year.
Wanna know if youโll be able to see some sparkles this New Yearโs Eve? Letโs find out. ๐
Complete bans
You might be used to the sky being brighter at midnight than it is at midday on New Yearโs Eve.
According to RTL, that definitely wonโt be happening in the following Dutch municipalities, which are instituting a complete fireworks ban this year:
Alkmaar
Amersfoortย
Amsterdam
Apeldoorn
Arnhem
Bloemendaalย
Eindhoven
Haarlem
Heemstede
Heumen
Mook en Middelaarย
Nijmegen
Rotterdam
Schiedam
Soestย
Tilburg
Utrechtย
Utrechtse Heuvelrugย
Zutphen
While most of these municipalities have already known peace for the past few years, the ban is a novelty for Alkmaar, Utrecht and Zutphen.
Donโt live in one of the municipalities mentioned above? It may not be time to start buying earplugs just yet.
About 100 other municipalities will designate fireworks-free zones on NYE, where setting off fireworks will be prohibited. You can find out if (and where) this applies to your hometown on your municipal website.
Although these bans might devastate the 13-year-old boy population, they are usually based on noble reasons, mainly concerning the protection of animals and vulnerable populations.
Thatโs why fireworks-free zones in municipalities without complete bans are mostly located near care centres, hospitals, and parks.
Does a firework ban apply where you live? How do you feel about that? Let us know in the comments!
