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Dutch DNA: are the Dutch actually Dutch?

If I say the word “Dutch”, you probably have a very clear image in your head of what a Dutch person should look like. Way too tall, mainly, as we short folk have never actually seen the faces of these giants up close.

But on a genetic level, are the Dutch actually Dutch?

Does Dutch DNA show if they are actually Dutch?

So, what started off this whole Dutch DNA discussion?

I visited the Netherlands a few summers ago. We stayed with my half-Dutch wife’s relatives, and we were able to stay in and visit many cities.

I looked up Dutch traits and the Netherlands’ distinctions before the trip because I wanted to know how to act properly without playing the fool, know what I would be up against, and behave correctly.

I researched all the traits the Dutch are well known for, but what really interested me was the distinct look of the Dutch. I can pick a Dutchie out of a crowd easily.

group-of-people-talking-with-stereotypical-dutch-man-in-the-centre
The Dutch are pretty easy to spot in a crowd! Image: Freepik

Yes, in every country or area, people have specific physical traits, but Dutch DNA is complicated and intertwined. It is also not as though all Dutch people look like twins. Historically, Nederlanders were often intermixed with many ethnic groups.

According to DNA testing companies, Dutch DNA is considered mainly Germanic and French, which seems a broader stroke of DNA than some common and visible Dutch characteristics that I see.

My wife recently had her DNA analysed… and surprise! Besides being a little Neanderthal (maybe she slobbered a little in the test tube), her DNA is less than 25% Germanic French.

My wife was adamant about being “200%” Dutch. How so? “My mother was 100% Dutch, and so was my father, so I am 200% Dutch”. Clearly not a maths major, but a passionate Dutchie.

So here is my opinionated research on where the Dutch DNA originated from:

Early days

Before 5000 BC, the ice age was ending (apparently due to global warming from the tribes burning too much peat). A few Neanderthals were left running around updating their resumes.

The hunter-gatherers had started growing food, and Neanderthals died off from having to eat salad from a pottery dish. Maglemosian culture was widespread throughout Northern Europe, and the glaciers hadn’t melted off.

As a result, the British Isles, Netherlands and Scandinavia were all one landmass.

Seas eventually rose, and with water separation, the British Isles exited North Europe (BREXIT wasn’t the first time this happened) and Scandinavia receded into the North Sea glacial melt.

Life spans were short, and generations moved quickly. (Hey, getting stepped on by Mastodons is a quick DNA eliminator. 🤷🏻‍♂️)

Netherlands speeding toward the year zero

Funnel Beaker Culture and other small farming cultures extended from Denmark into Germany and the Northern Netherlands.

Following behind them with their fancy Indo-European language spreading throughout most of North and Central Europe, was the touwbekercultuur, or “Corded Ware Culture” (makers of corded pottery), lasting into the Bronze Age.

Corded Ware Pottery. Image: Einsamer Schütze/Wikimedia Commons/CC3.0

If you wish to go in-depth on their DNA, for aspiring DNA PhD types, go here.

Crossover with the Beaker Culture from Western Europe may have wandered into the Southern Netherlands looking for sunshine. The Beakers were traders, and probably the first door-to-door salespersons. Plus, they kept alcohol in their beakers, so there was that.

Although archaeologists argue over where the Corded Ware Culture sprang from — the Black Sea or elsewhere in Europe (arguing over people dead thousands of years is their passion) — what we do know is that DNA from graves shows they were widespread in North-Central Europe. 

They were the first to have wagons, therefore, wheels. I am guessing they are Dutch ancestors and invented bicycles, peddling across Europe (some things never change).

Pre-Roman Iron Age migration

Germanic groups migrated into the Netherlands around 750 BC, settling in coastal floodplains “where no man had settled before” and probably invented boots and snorkels.

This uniform DNA grouping extended into Poland and migrated from Southern Scandinavia due to the deteriorating climate. Apparently, they brought it with them.

ancient germanic group migration
Early Germanic Culture group migration.  Image: Berig/Wikimedia Commons/CC3.0

Several groupings and languages evolved:

  • North Sea Germanics (Ingvaeones), in Northern Netherlands, south to the great rivers into Jutland. This would be early Frisians and Saxons.
  • Weser-Rhine Germanics (Istvaeones) inhabited the Netherlands south of the great rivers from which the Salian Franks would spring.

Even though this happened a couple of thousand years ago, it seems logical it was the beginning of the Dutch people.

The ever-spreading Celts and Dutch DNA

Celtic (Gaul) culture about this time was in a triathlon across central Europe, spreading their DNA everywhere.

They were more tribal than most cultures and had Chiefs and classes of people within the tribes (perhaps political conservatives’ ancestors).

They spread from the Eastern European area to Britain and Iberia. Generally staying south of the Netherlands, Celts drifted as far north as Maastricht early on.

Apparently, they were busy irritating Romans and causing wars, and had no desire to be chased by a giant walrus in the lowlands’ mud.

The Celts integrated with Germanic tribes South of the Rhine eventually. Caesar defeated them, took their gold and assimilated them into Roman culture, where they probably invented fashion and anger management from their descriptions by Romans.

The Gauls in the fourth century were “tall and muscular, light-skinned, reddish or light-haired and eyed people who are quick to quarrel and fight”.

There is not an excessive number of redheads in the Netherlands, though Limburg has one of the highest percentages.

Many Dutchies do fit other physical Gaul characteristics. A recent study in the UK states that the Celts are not a unique genetic group, which would indicate their original Germanic cultural background.

It also showed that populations next to each other can have different ancestry.

The Romans are coming

In the year 57 BC, the Romans came to town in fashionable tunics. After years of battles with Germanic tribes south of the Oude Rijn, the river became the north boundary of the Roman Empire. Roman control existed farther north too.

For four centuries the Romans ruled, integrating towns and building forts, exerting genetic intermingling in the Netherlands.

Roman Empire in Europe. Image: Andrei nacu/Wikimedia Commons/CC3.0

With the Celtic, Germanic and Roman cultures intermingling, even Augustus Las Vegas wouldn’t lay odds on DNA results.

Romans used both Celtic and Germanic tribes as soldiers and ruled settlements where these “barbarians” would be raised for Roman armies.

Two Centuries later, the early Germanic Frisii living on the North Sea coast and occupying most areas north of the Oude Rijn were coerced by the Romans and rising seas to relocate to Roman territory and were assimilated into that society.

So much for early Frisii DNA being dominant in the future!

Salian Franks

Around 200 AD, proclaiming their own DNA, some small Germanic groups inhabiting the Netherlands emerged as the Salian Franks, many of whom settled in the south of the Netherlands.

Concentrated in the North Sea lowlands, the early Frisians, Chauci, Saxons, and Angles were closely related Germanic groups. As with many close families, however, the Chauci later joined with and became Saxons.

These groups expanded after the Romans fell. Some remained in the now Southern Netherlands.

Migration in the early Middle Ages

As the seas receded (400 AD to 1000 AD), Germanic groups such as Jutes, Angles and mainly Saxons waded into the Northern Netherlands (and eventually to the British Isles).

The ones who stayed in the North Netherlands became ancestors of modern Frisians.

Generally, Frisians and Saxons settled in the future Northern Netherlands, and Salian Franks in the Southern Netherlands.

Viking blood

In the ninth century, Danish Vikings wreaked havoc in the Netherlands with raids and attacks. Although they maintained a presence and ruled over parts, there were few permanent settlements.

Photo-of-viking-settlement
A reconstruction of a biking settlement. Image: Depositphotos

The DNA that was brought in for this short time seems to have less influence.

During the Iron Age migration, Germanic hunter-gatherer tribes of the same or similar descent fled the climate and populated the Netherlands. The Viking DNA was probably related (but with a nasty, mutated mean gene).

1000 AD to 1600 AD

The next seven centuries were a culture slug-fest, with the Netherlands often occupied or at war.

Areas now Germany, Spain, the British Isles, Italy, the Holy Roman Church, and pretty much anyone with a stick, rock, or religious robe battled. Surprisingly, some lucky males survived to spread a “Y” chromosome.

There weren’t mass migrations, but significant intermingling. I imagine with all the battles going on, the general population was able to continue their own DNA propagation within their groups and settlements.

Modern centuries

From the 17th century forward, the Dutch were traders and colonised around the world. Amsterdam was a top world trade city and people came to stay. In 1650, according to Cairn.info, 8% of the Netherlands was of foreign descent.

In the early 1800s, 85% of immigrants were from Germany, Belgium or France, all with similar ancient roots. Currently, 13.4% of the Netherlands’ population is foreign-born.

Transportation improves. Immigration and cultural crossover grow. These blending trends will eventually change the Dutch DNA and that of every culture.

Having trouble seeing how any genetic group could retain its characteristics over the centuries?

Is it just the luck of the DNA draw from parents, grandparents and great-grandparents (only one-eighth from the greats)? Maybe, but enter Epigenetics.

Is there another factor?

Epigenetics

Epigenetics studies a chemical reaction that influences who we are without altering DNA. This means that events that happened to our grandparents can be physically passed down.

Studies show events like the “Hunger Winter” in 1944-45, which caused severe malnutrition, may have caused children and grandchildren born after to be smaller.

Could Dutch physical characteristics be maintained by more than Dutch DNA? Does happiness, physical activity, social society or diet of cheese and herring unknowingly in part “will” them or any culture to retain the classic Dutch look through generations?

Science continues to chime in. I just hope you enjoy knowing a little more about where the Dutch DNA came from.

My own Dutch DNA conclusions

In summary, all of the above has led me to form my own conclusions on ‘Dutch DNA’:

  • Germanic cultures are ancestors to most of what is North, Central and Western Europe.
  • Isolated early groups kept cultural DNA purer, but still developed uniqueness.
  • Early European migratory cultures had closely related DNA.
  • Migrating cultures joined, creating larger, unique blended cultures.
  • Culture group wars and spreading populations slowly intermingled DNA for a time.
  • Ancient genetic cultures co-existed adjacent to each other with little intermingling.
  • Genetics is advancing rapidly and will have more answers.
  • DNA data cannot yet determine if the Dutch should have their own DNA classification. If you ask me, I think they might.

Finally, what’s up with Neanderthal bashing? They were around a million years before salads ran them off! Please, don’t forget to comment with your own conclusions!

Why neobank users in the Netherlands need a local bank as a main account or backup

Neobanks have made international banking faster and simpler, but in the Netherlands, relying on one as your sole account may cause a few financial hiccups.

If you moved to the Netherlands in the last few years, there’s a fair chance your banking setup involves a neobank.

While they’re great for low fees and easy transfers, the Dutch financial system has some quirks that make relying on one as your sole account a risky move.

What is a neobank (and why are many internationals using them)?

A neobank is a digital bank that operates entirely through mobile apps, with no physical branches.

Most neobanks tend to offer features that traditional banks have historically been slow to develop, such as multi-currency wallets, speedy international transfers, and more streamlined sign-up processes.

READ MORE | What documents do you need to open a Dutch bank account?

For internationals in the Netherlands, that last point is a major factor in their willingness to opt for neobanks. They’re also genuinely useful for anyone earning or holding funds in multiple currencies.

If you’re paid in euros, sending money back home in your local currency, or frequently travelling, a neobank’s exchange rates and transfer fees can save you a meaningful chunk of change over time.

Opening a traditional Dutch bank account typically requires a burgerservicenummer (BSN, also known as your citizen service number), a registered address, and proof of residency.

Meanwhile, neobanks tend to have lower barriers to entry, making them a practical option for people who’ve just arrived and haven’t yet had time to sort out their essentials.

Good to know: More and more Dutch banks now offer BSN-free banking, giving you a grace period of around 90 days to submit your BSN information. If you’re looking for a local account that can be opened shortly after arriving in the Netherlands, you can learn more about how to open a Dutch bank account with ING.

The risks of relying solely on a neobank in the Netherlands

Of course, having a neobank as your only financial lifeline in the Netherlands isn’t without its share of risk.

In particular:

Depending on the provider, customer support can be quite limited

As neobanks typically operate with lean support teams and no physical presence, when something goes wrong, you’re usually working through a chat interface.

While that’s fine and dandy for minor hiccups, complex problems like disputed transactions, urgent account queries, and anything that requires actual human judgment can be slow and frustrating.

Accounts may come under review at inconvenient times

Like all regulated financial institutions, neobanks are required to carry out compliance checks and anti-money-laundering (AML) reviews.

woman-staring-at-mobile-phone-upset-that-her-dutch-neobank-locked-her-account-without-warning
With neobanks, you don’t have access to brick-and-mortar bank offices to get help. Image: Magnific

Depending on the provider, some users have found their accounts temporarily restricted while these processes run. If that’s your only account, you may find yourself with limited access to your own funds until the review is complete. 

Technical issues could leave you with no backup

As we saw with the major Cloudflare outage of November 2025, server outages happen, apps go down, and maintenance windows occasionally land at inconvenient times.

If you rely on a single neobank for everything, even a brief technical disruption can block access to your money at the wrong moment.

Why ING works as your main bank (and reliable backup)

As one of the most widely used banks in the Netherlands, ING is a solid choice for internationals looking for a reliable local option.

The bank supports iDEAL, the widely used Dutch online payment method, and pan-European initiatives such as Wero are also being introduced.

Many Dutch webshops, government portals, and services use iDEAL | WERO as the default payment option, and while neobank support for it has improved, compatibility isn’t always guaranteed.

dutchman-using-european-payment-system-ideal-wero-to-make-business-transaction-in-the-netherlands
Unlike some neobanks, local Dutch banks are compatible with iDEAL | WERO. Image: Magnific

Depending on your neobank of choice, you may receive a foreign IBAN, which can cause friction with payment systems in the Netherlands.

In practice, some employers, pension funds, tax authorities, and landlords in the Netherlands may still be more familiar with Dutch IBANs, which can occasionally lead to friction when using foreign IBANs.

READ MORE | Do I need a Dutch IBAN to get paid in the Netherlands?

Finally, ING offers in-person customer support. If you need to visit a branch to resolve an issue, verify your identity, or talk through your options with someone face to face, that’s possible in a way it simply isn’t with digital-only providers.

Costs and practical considerations of using a Dutch backup bank

Of course, using two banks does come with trade-offs, and it’s worth being honest about them.

ING charges a monthly fee of €4 for a standard current account with its Go plan. While that cost isn’t substantial, it adds up over the year. If you’re already paying fees on a neobank, you’re now adding an extra monthly expense to your budget.

woman-looking-at-an-overview-of-her-monthly-budget-with-ing-go-plan-on-dutch-mobile-banking-app
ING’s costs and fees are quite straightforward, with information readily available on their website. Image: Magnific

While moving money between your neobank and your ING account is generally straightforward, depending on the amounts and frequency, there may be exchange-rate considerations involved. (Costs may arise if you transfer money in another currency, due to exchange rates or additional fees.)

It’s also worth noting that a backup account only works if you keep enough in it to actually function as a fallback. An ING account sitting at zero won’t help you much if your neobank is temporarily unavailable.

Is having ING as your backup bank actually worth it?

Needless to say, the usefulness of ING as your backup bank will depend solely on your personal financial circumstances.

If you’re paid in euros and you transact regularly with companies in the Netherlands, a Dutch bank account makes practical sense as either your primary account or a reliable backup. You can always opt for a neobank alongside it for travel and international transfers.

However, if your neobank covers everything you need, and you’ve never run into compatibility issues, adding a second account is an additional cost you may not need.

That said, payment compatibility, in-person support, and a functional fallback if your primary account becomes temporarily inaccessible are genuine advantages.

For many internationals in the Netherlands, these are worth a small monthly fee. To manage your day-to-day finances in the Netherlands, having a local account makes a big difference.

Do you have an existing Dutch bank account, or are you solely Team Neobank? Share your thoughts in the comments below.

This article was sponsored by ING and written by DutchReview.

Driving to Belgium? From next year, you may have to pay to use the roads

Find yourself driving down to Belgium from time to time for a weekend trip? Or nipping across the border to pick up that one drink you love? Well, from next year, it’s likely going to cost you.

From May 2027, Belgium wants to introduce a road vignette for everyone who uses its roads. This is essentially prepaid road tax.

However, it wouldn’t just apply to Belgian residents. It would apply to anyone who wants to use Belgian roads, including brief tourists or commuters from Netherlands.

How much is it going to cost me?

According to Belgian newspaper, Het Laatste Nieuws, how much it costs depends on a number of factors such as how old and polluting your car is or how long you want the vignette to last. Let’s lay them out:

  • The basic annual rate: €100
  • Annual rate for someone who drives a more polluting car: €125
  • Annual rate for someone who drives electric or hydrogen: €90
  • A one-day vignette: €9
  • A 10-day vignette: €12
  • A one-month vignette: €19
  • A two-month vignette: €30

Got a more polluting car? Nu.nl writes that you’ll have to pay slightly more.

What if I’m sneaky and don’t pay it?

Perhaps you’re literally nipping across the border to buy some cheaper toiletries, is it really necessary to purchase a vignette?

Well that depends on whether you’re willing to risk a hefty fine.

The first time you’re caught driving in Belgium without a vignette, you’ll have to cough up €70. The second time? It’ll jump to €140. And from the third time onwards, it’ll be an eye-watering €210 — the equivalent of more than two annual passes.

What about a deal for Dutch residents?

As Nu.nl reports, Minister Vincent Karremans of the VVD is advocating for a more lenient policy for Dutch residents who live near the border with Belgium. After all, they may find themselves accidentally slipping into the country on their morning commute.

“But I understand that is not included in the package now, which is very disappointing,” he tells Nu.nl.

However, these plans aren’t finalised yet. According to Euronews, the vignette still needs final approval from the regions and European authorities.

Want the latest Dutch news to come zooming through the internet to your inbox? Dat kan! Subscribe to DutchReview’s weekly roundup 📮

9 Dutch actors in Hollywood you probably didn’t know were Dutch

Don’t be fooled by the accents on screen — Dutch actors appear more frequently in Hollywood movies and TV shows than you might realize.

The Netherlands is a small country filled with straight-shooting, honest people who don’t pretend to be someone else.

Yet, the nation has produced enormous talent for doing just that — in the acting world.

There are many famous Dutch actors in Hollywood with Dutch heritage. Bogart, Brando, De Niro, Theron, Akroyd, the Carradine’s, Van Dyke, Fonda, Aguilera.

READ MORE | Tom Holland in Holland?! 7 times the Netherlands appeared in Hollywood movies

But let’s look at nine Nederlanders and people with significant Dutch heritage who play on screen. 🎥

1. Audrey Hepburn

Being one of Hollywood’s most widely recognised Dutch actors, Hepburn was born in Belgium in 1929 but grew up in Arnhem with her mother, a Dutch Baroness. 👑

They fell on hard times in her teen years when the Nazis took over the Netherlands, suffering malnutrition to the point of grinding tulip bulbs as bread flour to survive.

photo-of-audrey-hepburn-Dutch-actress
Always a stunning beauty! Image: Pixabay

At 16, she was a volunteer nurse during the Battle of Arnhem and worked with the Dutch Underground. After liberation and a few movie roles in Europe, she headed for Hollywood.

Audrey Hepburn was an iconic Hollywood actress playing wholesome parts. She starred in movies in the ’50s and ’60s, including Roman Holiday, Funny Face, Sabrina, Breakfast at Tiffany’s, Charade, and My Fair Lady.

READ MORE | 11 movies about Dutch culture to watch

She received three Academy Award nominations and won Best Actress.

Hepburn also turned down a role in the movie Anne Frank, as having watched people be executed in Arnhem would be too emotionally painful for her. She was very philanthropic and died in 1993.

She is one of 19 people who have won an EGOT (Emmy, Grammy, Oscar, and Tony Award). 🏆

2. Carel Struycken

Born in The Hague, Carel Struycken played many quirky parts in Twin Peaks, Star Trek, Men in Black, Witches of Eastwick, and Haven.

photo-of-carel-struycken-Dutch-actor
Good old Lurch. Image: Miguel Discart/Wikimedia/CC2.0

He also played in the popular The Addams Family movies, where he portrayed Lurch (one of my favourite characters growing up), among many other roles. 

This Dutch actor in Hollywood usually played a giant in non-leading roles, but is an extremely recognizable character.

3. Michiel Huisman

Michiel Huisman, a Dutch actor and singer, was born in Amstelveen, Netherlands.

He starred as Daario Naharis in Game of Thrones and as Ellis Jones in the fantasy romance film The Age of Adaline.

photo-of-michiel-huisman-on-the-red-carpet-Dutch-actor
Michiel Huisman on the red carpet of Game of Thrones. Image: Jagpal Khahera/Wikimedia Commons/CC4.0

Other notable titles you might recognise him from are Orphan Black, The Invitation, The Guernsey Literary and Potato Peel Pie Society, Black Book, and HBO’s Treme. 📺

But with 56 screen credits to his name so far, there are many more stories you’ve probably seen him pop up in.

4. Jeroen Krabbé

Born in Amsterdam, Jeroen Krabbe is known for acting in The Fugitive, Immortal Beloved, The Living Daylights, Jumpin’ Jack Flash, and Transporter 3.

photo-of-Jeroen-Krabbé-Dutch-actor
Who said Krabbes can’t be handsome? Image: AVRO/Wikimedia Commons/CC3.0

You might also recognise him from his role as Otto Frank in The Diary of Anne Frank. He came to prominence playing opposite Rutger Hauer in Soldier of Orange.

If you’re not yet impressed, Krabbé has over 100 credited roles in his career — woah! 😮

5. Rebecca Romijn

Born in California, Rebecca Romijn is the daughter of a Dutch mother and a half-Dutch father.

photo-of-rebecca-romijn-Dutch-actress
Looking very different than Mystique. Image: The Heart Truth/Wikimedia Commons/Public Domain

A Dutch actor in Hollywood that everyone can be proud of, she has played the character Mystique in four X-Men movies and also appeared in Austin Powers: The Spy Who Shagged Me.

Romijn has 61 acting credits, including the TV series Ugly Betty, Just Shoot Me!, The Librarians and Eastwick.

6. Famke Janssen

Famke Janssen was born in Amstelveen, Netherlands, and is a writer, director, and actor.

photo-of-famke-janssen-Dutch-actress
Famke’s career is certainly an impressive one! Image: Gage Skidmore/Flickr/CC2.0

She’s played many major roles, including Xenia Onatopp in the James Bond Series Golden Eye, Jean Grey/Phoenix in the X-Men films, and Lenore Mills in Taken.

Janssen has also had recurring roles on the TV series Nip/Tuck, Hemlock Grove, and Black List.

The actress has been outspoken in her disagreement with Hollywood’s ageism for women when not cast in the last X-Men movie. 👏

7. Jane Seymour

Jane Seymour was born in England, but her mother was Dutch. She spent much of her childhood in Vught, the Netherlands, and speaks fluent Dutch.

photo-of-jane-saymour-Dutch-actress
Serving royalty!💁‍♀️ Image: Alan Light/Wikimedia Commons/CC2.0

As an actress and producer, she is known for the TV series Dr. Quinn, Medicine Woman, the James Bond movie Live and Let Die, Wedding Crashers, several mini-series, and TV movies. 

Seymour has over 220 credits to her work, with twenty-two award nominations and nine wins, including two Golden Globe awards and an Emmy.

8. Carice Van Houten

Carice van Houten was born in Leiderdorp, Netherlands. With 55 credits as an actress, Van Houten is most recently known for her dark role in Game of Thrones and her role in Black Book.

photo-of-cariece-van-houten-Dutch-actress
Carice van Houten at the Game of Thrones Season 8 World Premiere. Image: Sachyn/Wikimedia Commons/CC3.0

Her Dutch-language film Love Life broke box office records in the Netherlands. 💥

She also played opposite Tom Cruise in Valkyrie and was nominated for several Saturn and SAG awards (amongst others), winning many awards, predominantly in Europe.

9. Rutger Hauer

Ever heard of Blade Runner? Rutger Hauer starred in this legendary sci-fi flick as self-aware android Roy Batty. He delivered a brilliant performance and even rewrote the ending dialogue. 

photo-of-rutger-hauer-dutch-actor
While a little older now, Hauer remains a big name. Image: Depositphotos

Hauer has over 100 movies to his credit, taught a master class in the Netherlands, and is a “Knight of the Order of the Dutch Lion” for his contributions to acting and philanthropy.

Hauer had a Best Supporting Actor Golden Globe award for Escape from Sobibor.

So there you have it. Who’s your favourite from the list? Are there any Dutch actors in Hollywood that we missed? Tell us in the comments below!💬

Feature Image: Sachyn/Wikimedia Commons/CC3.0

Best fixed-term deposit savings accounts in the Netherlands in August 2026

If you’ve got funds sitting in a regular Dutch savings account quietly losing ground to inflation, a fixed-term deposit might be exactly what your money needs.

With lower returns on your cash, locking in a competitive fixed rate through a fixed-term deposit is a move well worth considering.

This guide covers everything you need to know, including:

  • what a fixed-term deposit is,
  • the best rates available to residents of the Netherlands right now,
  • how to open a spaardeposito,
  • the tax implications,
  • and answers to any burning questions you may have.

This post might have affiliate links that help us write the articles you love, at no extra cost to you. Read our statement.


What is a fixed-term deposit account?

A fixed-term deposit (known in Dutch as a termijndeposito or spaardeposito) is a savings account where you lock away a lump sum for a set period, in exchange for a guaranteed fixed interest rate (rente).

READ MORE | Dutch savings accounts: Best interest rates in the Netherlands in August 2026

Depending on your bank, these terms typically range from one month to five years. The most common options you’ll encounter are 3, 6, 12, 24, and 36 months. As a general rule, the longer you’re willing to lock your money away, the higher the rate on offer.

How is a fixed-term deposit different from a regular savings account?

A regular Dutch savings account (spaarrekening) lets you deposit and withdraw freely, but the interest rate is variable. This means that your bank may lower your rate at any time, offering you no real guarantee on how much interest you’ll earn.

Unlike flexible savings accounts, the rate for fixed-term deposits doesn’t change during the term, so you know exactly what you’ll earn from day one. However, there’s a catch: you generally can’t access your money until the term ends without incurring a penalty.

Are you trying to decide if a fixed-term deposit is right for you? These generally suit people who:

  • have a lump sum they won’t need in the short term,
  • want certainty over their return,
  • and want to protect their savings from volatile or falling interest rates.

The best fixed-term deposit rates in the Netherlands right now

We’ve found the highest interest rates, best banks, and best fixed-term deposit accounts to earn interest on your money.

All of the companies below are regulated financial institutions, so your money (up to €100,000 per person, per bank) is guaranteed.

Overview: our top picks

BankInterest rate
Raisin3.46% (via Deutsche Bausparkasse Badenia)
Klarnaup to 3.05%
Trade Republicup to 3%
Santanderup to 2.65%
bunq2.11% (12 months)
ABN AMROup to 2.70%
Brand New Dayup to 2.90%

Raisin: best for the highest rates in Europe

raisin-logo-bank-savings-account-netherlands

Raisin is a savings platform that offers you access to fixed-term deposits from partner banks across Europe, all through a single account.

Currently, their best fixed-term rates reach 3.46% via Deutsche Bausparkasse Badenia for a 10-year term. Want a shorter term? You choose from dozens of partner banks across the EU, each offering different rates and term lengths.

📈 Best fixed rate: 3.46% (10 years, via Deutsche Bausparkasse Badenia)
💶 Early withdrawal: Not permitted in most cases
🇬🇧 Available in English: Yes


Klarna: best for choosing your term length

klarna-savings-account-netherlands-logo

Most people know Klarna as a buy-now-pay-later service, but the Swedish bank has built a solid savings product for Dutch residents.

Fixed savings rates go up to 3.05% depending on how long you’re willing to lock your money away, with flexible accounts starting from 1.85% per year. Term length is variable; you can select from a range of options that work for your timeline. 

📈 Best fixed rate: up to 3.05% (term-dependent)
💶 Early withdrawal: Not permitted
🇬🇧 Available in English: Yes


Trade Republic: best for bond-based fixed income

trade-republic-logo-best-dutch-banking-apps

Trade Republic is an investment platform that pays up to 3% per year on fixed-term savings, with a Fixed Income portfolio that lets you lock in returns through Bond ETFs or individual bonds.

You just pick your duration, lock in your rate, and, unlike a traditional term deposit, you can sell at the current market price if you need to get out early. There are no withdrawal fees, and you can start from just €1.

📈 Best fixed rate: up to 3%
💶 Early withdrawal: Sell anytime; market prices may fluctuate
🇬🇧 Available in English: Yes


Santander: best for a welcome boost on your savings

santander-bank-netherlands-logo

Spanish multinational bank Santander currently offers some of the most competitive welcome rates available to Dutch savers, with no monthly costs and a minimum deposit of €1,000.

You can lock in 2.65% for one year with no maximum deposit cap, making it a great way to put a lump sum to work before reassessing at the end of the term.

📈 Best fixed rate: up to 2.65% (term-dependent)
💶 Early withdrawal: Not permitted during fixed term
🇬🇧 Available in English: No (Dutch only)


bunq: best for digital-first expats

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The Netherlands’ very own neobank bunq makes opening a term deposit as easy as it gets, with no fussy paperwork and an account opened in minutes. Access up to 2.11% with a 12-month plan.

Their term deposits are available in terms of 3 to 24 months, with deposits from €1,000 to €100,000, and your savings are protected by the Dutch Deposit Guarantee Scheme.

📈 Best fixed rate: 2.11%
💶 Early withdrawal: Yes, full withdrawal only; fee applies
🇬🇧 Available in English: Yes


ABN AMRO: best for existing Dutch bank customers

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While ABN AMRO’s rates won’t exactly top the charts, they offer the reassurance of a major Dutch bank alongside fixed deposits you can manage right alongside your everyday account.

Their rates increase with term length: 1.80% for 1 year, 1.95% for 2 or 3 years, 2.30% for 5 years, and 2.70% for 10 years. Interest is paid annually, and you’ll need an existing ABN AMRO account to open a savings deposit.

📈 Best fixed rate: up to 2.70% (10 years)
💶 Early withdrawal: Possible, but a penalty applies
🇬🇧 Available in English: Yes


Brand New Day: best for pension savings

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Brand New Day is built specifically for pension savings (pensioensparen), combining competitive fixed rates with tax-deductible contributions.

A fixed-term deposit within a Brand New Day pension account currently earns up to 2.90%, above the 2.20% variable rate you’d earn on the standard account. The minimum deposit is €1,000, but you’ll need an existing account to make a deposit.

📈 Best fixed rate: up to 2.90% (10 years)
💶 Early withdrawal: Not permitted; funds reserved for pension
🇬🇧 Available in English: No (Dutch only)


How to open a fixed-term deposit in the Netherlands

The good news is that most fixed-term deposit accounts (including those from foreign EU banks) can be opened fully online.

Here’s what the typical process entails:

  1. Compare rates: Use an online comparison tool or check providers directly. Certain platforms even let you compare multiple EU banks in one place.
  2. Check your eligibility: Most providers require Dutch residency and a Dutch bank account (IBAN) for ID verification and fund transfers.
  3. Verify your identity: This is usually done via an online ID check (passport or ID card) and sometimes a small verification transfer.
  4. Transfer your funds: Once your account is up and running, you can transfer a lump sum to your deposit account.
  5. Wait for your term to complete: Your interest will typically be paid annually or at maturity, depending on the provider you’ve chosen.
woman-transfers-money-into-her-dutch-fixed-term-deposit-savings-account-through-her-mobile-banking-app
Most Dutch banks allow you to transfer funds via the mobile app, making the whole process super convenient. Image: Magnific

What to know about Dutch fixed-term savings accounts

Before you open a fixed-term deposit, there are a few practicalities worth understanding. While none of them are dealbreakers, they’re all worth knowing before you lock away your cash for months or years.

You can’t withdraw your money freely

Unlike a regular savings account, fixed-term savings lock your money away for the duration of the term.

Most providers don’t allow early withdrawal at all, and those that do may charge you a penalty (generally in the form of denying you some or all of the interest you may have earned).

You’ll want to treat a fixed-term deposit as untouchable until your savings reach maturity. If there’s any chance you’ll need the funds before the term ends, you’re better off opening a flexible savings account.

Your deposit may be auto-renewed

When your term ends, don’t assume that your money automatically lands back in your current account.

Many providers will silently roll your deposit into a new term (likely at a different rate) unless you actively opt out.

Always check your bank’s auto-renewal policy before you open an account, and set a calendar reminder for a week or two before maturity so you’re not caught off guard.

Some providers require minimum deposits

Sadly, not all fixed-term deposits are open to any amount, and minimum deposit requirements can vary quite widely.

Some providers start from as little as €500, while others may require €5,000, €10,000 or more.

man-looking-up-auto-renewal-policies-and-tax-requirements-for-his-fixed-term-savings-account-in-the-netherlands
Do your research before locking your money away, especially when it comes to minimum rates, auto-renewal policies, and tax requirements. Image: Magnific

Always check the minimum before comparing rates, since the best headline rates sometimes come with the highest entry thresholds.

Your savings will be taxed (even if the rate looks good)

Any interest you earn on fixed-term deposits will fall under Box 3 of the Dutch income tax system.

What this means is that your actual interest income is taxed at a flat rate of 36% on assets above the tax-free threshold (€59,357 per person in 2026). A headline rate of 3% may actually translate to a real after-tax return closer to 1.9% once your Box 3 taxes are factored in.

However, the good news is that if your total Box 3 assets stay below the threshold, you owe nothing. And if you’re an expat on the 30% ruling, you’re exempt from Box 3 tax entirely.

The longer the term, the higher the rate

As a general rule, locking your money away for longer earns you a better interest rate.

A 3-year deposit will typically offer a higher rate than a 1-year one (which in turn beats a 6-month term).

That being said, there are some exceptions. When banks expect further ECB interest rate cuts, some offer relatively competitive, shorter-term rates to attract deposits.

How was your experience opening a fixed-term deposit savings account? Share your thoughts in the comments below.


Fixed-term deposit savings in the Netherlands: Frequently asked questions

What is a fixed-term deposit?

Are fixed-term deposits safe in the Netherlands?

What happens when my fixed-term deposit matures?

Can I withdraw my money early from a fixed-term deposit?

Is a fixed-term deposit better than a regular savings account?

More Dutch people are visiting doctors about their weight

More people in the Netherlands went to their huisarts (GP) about being overweight last year, and the number shot up quickly, with the buzz around weight-loss jabs the most likely reason.

New annual figures show that Dutch GPs logged a lot more overweight and obesity registrations in 2025 than the year before. It’s a jump big enough to land these conditions among the biggest risers of the year.

What the numbers actually show

In 2025, GPs recorded overweight as a diagnosis for 6.6 out of every 1,000 patients, a rise of 39% on the previous year. Obesity (being severely overweight) climbed too, reaching 11.6 per 1,000 patients, up 37%.

Together, that puts overweight and obesity in the top three biggest increases of 2025, alongside shingles and the flu. The data comes from the Nivel research institute, which based its report on 394 GP practices covering nearly 1.8 million registered patients.

So what’s driving the spike? Researchers point to all the attention around GLP-1 medication. Karin Hek of Nivel tells NU.nl that the wave of media coverage about weight-reducing drugs has probably led to more visits and questions at the GP.

Why most people walk away empty-handed

Wanting the medication and qualifying for it are two very different things. A guideline change last year gave GPs a little room to prescribe weight-loss drugs, but the rules are strict and aimed at a very specific group.

GP Wouter Hufen describes it to NU.nl as needing three “ticks” on the list. A patient has to have a worryingly high BMI, health problems caused by it (like high blood pressure), and a completed leefstijltraject (lifestyle programme) that didn’t work well enough.

Tick all three, and he’s willing. Most people don’t, which means most people hear a firm “no”, occasionally, he admits, to his own frustration.

It’s not about a beach body

Hufen is clear that this isn’t about turning away everyone.

He’d actually like a bit more room for tailored decisions, not for someone with a few extra kilos chasing a summer figure, but for people whose weight keeps them stuck on the sofa, or who can’t shift the weight through lifestyle changes because of a physical condition.

When he does say no, he tries to dig into the “why” behind someone’s struggle. Is it a physical condition? Other medication? Stress or trauma that leads to eating in certain moments? As he puts it, everyone’s sore spot sits in a different place.

The medication isn’t the finish line

Stelder now prescribes weight-loss drugs regularly, but he’s quick to say they aren’t the whole answer. Medication is handy, in his words, but real change comes down to lifestyle, and a lot of coaching to get there.

He’d like to see GPs able to offer the drugs more widely, and suspects many hold back because of the sheer workload that comes with all the guidance and follow-up.

Hufen is more cautious, but still expects a lot from these medicines down the line, including possible uses beyond weight loss, like tackling addictions.

With the standard GP route so narrow, plenty of people are turning to online options instead, where you can lose weight with professional care.

Have you tried navigating the Dutch healthcare system for a weight-loss prescription, or been told to try a lifestyle programme first? Tell us how it went in the comments!

Another National Heat Plan will start on Saturday: over 30 degrees expected

Yet another National Heat Plan has been announced for parts of the Netherlands as more sweltering conditions are expected in the coming days.

When temperatures are persistently above 27 degrees, a National Heat Plan is activated. Unfortunately for some regions, this will be exactly the case this weekend.

Starting tomorrow, the National Heat Plan (and a Code Yellow weather warning) will be in place for Zeeland, South Holland, North Brabant, Limburg, Utrecht, Gelderland, and Overijssel, according to NOS.

Temperatures above 30 degrees

Get the fans out and perhaps find a separate bed for your partner. The KNMI is expecting the average temperature to sit at around 29 degrees this weekend.

And it’s only going to get warmer with temperatures of up to 32 degrees expected for the days that follow.

It’s not just the heat that’s going to have us struggling, however. They’re also warning that the UV index is about to get very high for the coming days — so protect your pale friends and don’t judge them for their factor 50.

@dutchreview I’m also overheating. ☀️ #dutchreview #dutch #dutchtiktok #sun #summer ♬ original sound – DutchReview

Drink plenty of water

The RIVM is stepping in for all of us whose mothers are in another country, warning that everyone should make sure to drink plenty of water.

They also want us to remember the signs of overheating: headaches, dizziness, fatigue, and extreme thirst.

The National Heat Plan primarily exists to warn caregivers and vulnerable groups about the incoming heat. When temperatures are this high for consistent period of time, the sick and elderly are particularly at risk.

This marks the second time this summer that the National Heat Plan has been launched, and it’s only July… Time to raid the appie for ijsjes, and maybe avoid sunbathing.

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You now need a monthly income of €5,650 for the average rental home in the Netherlands

Looking to rent in the Netherlands? Well, you better be earning well. As of the second quarter of 2026, you need an income of €5,650 for the average rental home.

Rental prices in the private sector have risen 5% more compared to this time last year, according to Pararius and Huurwoningen.nl.

And this means you need to be earning even more to secure a home.

Where does this figure come from?

Well, first of all, there’s the current average rent. As Nu.nl reports, more than 4 out of 10 rental properties will set you back above €2,000 per month.

More specifically, in the second quarter, new tenants are now paying an average of €1,882 per month.

Then, we have to remember one of the many requirements you have to meet in order to appeal to a Dutch landlord: usually, your income should be three times the monthly rent.

If we do the maths, this means that you now have to earn an income of roughly €5,650 to secure the average rental home.

More rental properties being sold

One huge contributor to this tight housing market is the 2024 Affordable Rent Act.

With the introduction of the act, many landlords don’t see it as profitable to rent out properties anymore. The result? A lot of Dutch rental properties have gone up for sale over the past few years.

As Nu.nl reports, in the second quarter, 11,389 rental homes became available on the market — but at the same time, 12,150 disappeared from it.

A bit of good news

To end on a more positive note, believe it or not, this quarter marked the first time in two years where prices dipped slightly compared to the previous quarter.

Yep, compared to the first three months of 2026, rental prices have actually gone down.

Will this trend continue? With that average income needed, we can only hope.

Want the latest Dutch news to come zooming through the internet to your inbox? Dat kan! Subscribe to DutchReview’s weekly roundup 📮

The ultimate guide to the Zaanse Schans: visiting the windmills of Holland

In the Zaanse Schans, you can experience what life was like back in the 18th and 19th centuries — full of life, windmills, and shops. We all know you’ve come for the windmills, though. 😉

Thinking of a day trip to the Zaanse Schans? Good, because there’s plenty to do here!

When you go to the Zaanse Schans, you’ll be greeted by 11 different windmills and people’s beautiful little Dutch houses (yup, people still live there).

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Check out these traditional Dutch windmills! Image: Depositphotos

Not only that, but also lots of little shops, a bakery, cafés, a cheese factory, souvenir shops, and a clog warehouse. As a result, tourists flock to the area (so be aware — it gets busy). It’s like a mini traditional Dutch village, a just short train ride from Amsterdam.

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What to do in the Zaanse Schans

There’s enough to do in the Zaanse Schans that you can easily spend a whole day there. You can also combine this top spot with a trip to another iconic Dutch destination, like exploring the canal town of Giethoorn.

However, while you’re there, here are the things you won’t want to miss:

The windmills at the Zaanse Schans

There are 11 different windmills that you can explore in the Zaanse Schans. Here’s a brief outline of what they all are:

  • De Huisman: A spice warehouse where you can taste different spices
  • De Gekroonde Poelenburg: A centuries-old wood sawmill
  • De Kat: A paint mill where you can watch demonstrations
  • De Zoeker: An oil, paint, and cocoa mill
  • Het Jonge Schaap: A unique wood sawmill replica
  • De Bonte Hen: An oil mill which has been running since 1693!
  • De Os: A windmill that was later transformed into a diesel-powered mill
  • Het Klaverblad: A small wood workshop mill
  • De Bleeke Dood: The oldest smock mill in the Netherlands, used to mill flour
  • De Ooievaar: An old oil mill that was moved to the Zaan area
  • Mini-mills on the Schans: Miniature windmills that were used to pump water from the polder

Your Instagram feed is going to love you! 📸

The museums at Zaanse Schans

An iconic historical destination like Zaanse Schans is naturally jam-packed with incredible, one-of-a-kind museums.

TIP: Want to get the most out of your trip? The Ticket Zaanse Schans gives you access to multiple attractions in Zaanse Schans, making it the best way to see it all. Find out more.

The Zaans Museum and the Verkade Experience

When you first arrive in Zaanse Schans, you’ll notice a large museum. This is the Zaans Museum, which teaches the history of the area, the windmills, and trade.

One of the trades of the area that you can learn all about (and taste) is biscuits and chocolate (yum!) since it’s the spot where famous Verkade girls made their treats.

READ MORE | 16 Haarlem museums that are well worth a visit

It’s a very interactive and modern museum, helping you to truly enjoy learning about the area — and then you can go out and see it for yourself.

You can even operate the chocolate machine in the museum. (Now we’re talking!)

The Zaanse Time Museum 

The museum houses many different Dutch timepieces that tell the story of the Zaanse Schans through beautiful old clocks that’ll chime on the hour, every hour.

Here you’ll learn about Dutch clockwork history from the 16th century. There are plenty of different things to see, as well as learn about their scientific and design history.

 

The Albert Heijn Museum Shop

It’s hard to believe (we know), but Dutch grocery behemoth Albert Heijn started out as a single, small shop.

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Tell a Dutchie that you know all about the first Albert Heijn ever; they’re sure to be left impressed! Image: Depositphotos

Albert Heijn took over the shop from his parents in 1887, when he was just 21 years old. It was nothing like it is today.

In this museum, you can see a reconstruction of the original shop, stocked with the items that were sold at the time. Discover the roots of the Dutchies’ favourite store, unknown by many today.

The Jisper House

The Jisper house is an old fisherman’s cottage, as it would have stood in the village of Jisp back in the 1850s.

Here, you can explore the cute little cottage and even dress up in traditional local costumes and have your photo taken — selfies at the ready!

The Bakery Museum de Gecroonde Duyvekater

As you walk through the Zaanse Schans, the smell of Dutch treats will tempt you right into the bakery museum. The house that this bakery is located in has been around since 1658 (yep, wow!).

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You’ll learn all about traditional Dutch culture on a day trip to the Zaanse Schans near Amsterdam. Image: Depositphotos

This bakery is not just a museum; it is actually in use! This means that… you can try out and buy some delicious traditional Dutch baked goods. 🤤

You can taste Duivekater, a famous sweet bread from Zaanse and other originals, as well as more modern baked goods.

If you want an excuse to chow down on some even more delicious Dutch snacks, then here’s your chance. 😉

The Windmill Museum

If you just can’t get enough of those adorable Dutch windmills, head to the Windmill Museum!

At the windmill museum, you’ll be able to interact with the exhibitions and learn all about what life working in a windmill was actually like.

READ MORE | Best windmill site in the Netherlands: Kinderdijk or Zaanse Schans?

From rotating exhibitions, films, and an interactive model with 1,100 windmills — you’ll be sucked into the charming world of the Zaanse Schans for hours.

The Honig Breethuis

At the Honig Breethuis, you can jump into the lives of a Dutch merchant family in the 1830s.

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The Honig Breethuis is located on the other side of the water, across from the windmills. Image: Depositphotos

Beautifully painted wallpapers and old-fashioned furniture will tell you all about the lives of the former inhabitants of the impressive traditional Dutch home.

Besides the wood detailing of the furniture and the gold accents on the walls, keep an eye out for special gems — like the old ornate fireplace.

How to see the Zaanse Schans

There are many ways to get around the Zaanse Schans — whether you prefer walking, cycling, or hopping on a boat. 👇

Cycling around the Zaanse Schans

Cycling at the Zaanse Schans is possible (we’re in the Netherlands, after all), so it’s good news if you want to take your fiets for a spin.

No bike? No worries! You can rent bicycles at the Zaanse Schans if you’re bike-less.

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You won’t be the only one on a bike! Image: Dreamstime

There are bike tours and different cycling routes you can take throughout the area, so it’s the perfect place to go on a sunny day.

In the height of summer, it gets really busy along these routes, though, so beware of grandmas zooming down the paths on their e-bikes.

Going for a walk at Zaanse Schans

Just looking for somewhere nice to go for a walk in Holland? Well, the Zaanse Schans is the perfect place! Strolling around and exploring most of the windmill area is completely free.

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Walk between the small Dutch houses and on the cute bridges in the traditional village. Image: Depositphotos

There are also theatrical walks if you’re looking for something a bit different. A guide in Zaan costume will show you around the area, where you will learn all about the history, food, and culture.

READ MORE | Hiking around the Zaanstreek: 9 perfect walks in the ultimate Dutch region

They may even let you in on some of the 1850s gossip. And thankfully, these tours are also available in English if your Dutch isn’t up to scratch.

Hop on a boat through the Zaanse Schans

Really want to get the most out of your visit to the Zaanse Schans? Hop in on one of the many boats that sail on the River Zaan, or take a boat tour!

Feel the wind in your hair and smell the freshness of the water, all while learning from a guide about the beautiful sights around you.

The Zaanse Schans oozes quintessential Dutchness, and it’s a perfect destination for a day trip from Amsterdam or any other Dutch city. You won’t regret it!

Have you ever been to Zaanse Schans? Tell us in the comments below! 

Calvinism in the Netherlands: why are the Dutch so Calvinist in nature?

Travelling around the Netherlands, you’ll spot tons of beautiful churches, and meet people living simply and modestly — or as some might say, quite Calvinist. So, you might be puzzled to discover that the Dutch are in fact very atheist. How did this culture come about?

With a largely atheist population strongly rooted in religious culture and tradition, you can easily end up visiting nightclubs and bars in the Netherlands, only to find out that they were once churches!

While it may be difficult to imagine for some, the fact remains that if you observe the non-religious Dutch closely, you’ll definitely notice a Calvinist nature.

But, before we go any further on the Calvinist nature of the Dutch, let’s find out what Calvinism is all about first. 👇 

First things first, what is Calvinism?

Calvinism is a major branch of Protestantism that follows the teachings of 16th-century theologian John Calvin.

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The Westerkerk, a Calvinist church in Amsterdam. Image: Depositphotos

While the core doctrines are predestination and election, its basic principle is that the Bible must be interpreted by itself. This means that parts that are harder to understand are explained in other passages.

Simply put if you don’t understand a passage in the Bible, just read on. You’ll understand it later. 🙃

How does Calvinism relate to the Dutch?

It is no secret that the Netherlands has been a Protestant nation since the beginning of the Protestant Reformation in the 16th century. Martin Luther and John Calvin’s teachings were very popular among the Dutch.

Even in the period when King Henry VIII of England was having a feud with the Catholic Church, the region that is now the Netherlands was already a strong Protestant part of Europe.

READ MORE | The Dutch Bible Belt: what’s that all about?

It’s also important to note that William of Orange was a Calvinist. Furthermore, the Eighty Years’ War wasn’t just a war of independence. It was also a war between the Spanish Catholics and William of Orange’s Protestant Calvinists.

This is not to say that everyone who fought under William of Orange in the Eighty Years’ War was a Calvinist. However, the majority fought on his side because they disliked the Spanish and their strange Catholic ways.

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Martin Luther and reformers. Image: Art UK/Wikimedia Commons/Public Domain

Calvinism arrived in what is now the Netherlands in the 1540s, when both the nobles and the common folk converted.

Under Phillip II, the Spanish government started harsh persecution campaigns against the Dutch. As a reaction to this persecution, the Calvinist population rebelled.

History buffs never forget the Beeldenstorm in 1566, which refers to the wave of disorderly attacks that spread rapidly through the Low Countries from south to north, carried out by Calvinists in the summer of 1566.

READ MORE | Dutch history hacked: 2500 years of Dutch life in 7 minutes (VIDEO INSIDE)

These Calvinist Protestants destroyed Catholic art and many forms of church fittings and decorations. It was in that same year that William of Orange started the Eighty Years’ War in order to liberate the Calvinist Dutch from the Catholic Spaniards.

There was definitely little love for Catholics or Catholicism in the Netherlands back then, and driving the Spanish away was one extraordinary way of showing it.

Atheism in the Netherlands

It is already an established fact that most Dutch people are not very religious today. I’m pretty sure more Dutch people have read Harry Potter than the Bible, and the majority of them probably only say Jesus Christ (Jesus Christus!), out of frustration rather than in a moment of prayer. 🙏

Still, religion in the Netherlands remains an interesting topic of discussion.

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Many religious people live in the so-called Bible Belt. Image: Magnific

Results of research carried out at the Vrije Universiteit Amsterdam in 2016 showed a steady decline in the number of Christians or believers in the Netherlands. This has led to the Netherlands no longer being seen as a Christian nation.

In 2021, research by the CBS (Central Statistics Bureau) showed that most Dutch people neither attend church nor believe in God. It also stated that there are more irreligious people aged 15 years and older (58%) than believers in the Netherlands.

But the question still remains: how is it that a nation with an atheist majority lives by the teachings of a religious preacher? Before we answer that, let’s talk about who John Calvin was.

Calvinism in the Netherlands: who was John Calvin?

John Calvin was a French theologian, pastor, and reformer in Geneva during the Protestant Reformation. He was a principal figure in the development of the system of Christian theology that came to be known as Calvinism.

Being one of the fathers of Protestantism, he played a major role in how the Netherlands went on to become a Protestant nation.

Although born into a family of the Catholic faith, he converted to Protestantism in 1533 after studying philosophy, humanism, and law.

While John Calvin may never have set foot in the country, his teachings in the period of the Protestant Reformation found fertile soil in the Netherlands. In fact, almost every political party in the late 1800s adopted his teachings.

Despite not being Dutch, the Dutch feel great when his name is mentioned. For whatever reason, they see him as one of their own. 🫂

So why do the Dutch, who aren’t really religious, follow the teachings of John Calvin?

If you’re a foreigner observing the Dutch, you’ll notice how hardworking, frugal, and straightforward they are. A look into the history books will tell you that the Dutch statesman and theologian Abraham Kuyper played a big role in reviving Calvinism in the late 1800s.

READ MORE | Dutch Quirk #63: Hate on the Netherlands’ bible belt

A true believer in the separation of church and state, Abraham Kuyper and other lawmakers of his time took it upon themselves to follow in the footsteps of Calvin in breaking the yoke of Catholicism in the country.

Their reforms (which were very Calvinist in nature) laid the foundation for what the Netherlands is today.

The Dutch (Calvinist) nature

The Dutch were able to build a society based on respectfulness, acceptance, self-discipline, and efficiency. It’s a country where hard work is valued, justice can be served, and talents are nurtured.

If you lend a Dutch person money, they’ll typically pay you back straight away (thanks to the wonders of Tikkie 😉).

Not because they think you would go broke without the money they borrowed, but because of the principle attached to it. Being orderly and straightforward is a way of life, without losing sight of open-mindedness.

Your word is your bond, and if you don’t live up to your word, you will definitely be confronted. 🤞

The best of both worlds

The Netherlands is the perfect example of how you can be an atheist liberal (or progressive) and still live by the moral teachings of a religious preacher. It is a testament to the fact that even if one is an atheist, one can adopt good things from any religion.

Even years after the death of John Calvin and the Dutch statesmen who laid the foundation of the society we know today, it is evident that, while religious beliefs may not hold sway in the Netherlands, their virtues still linger.


The Netherlands is one of the world’s most liberal nations, yet its inhabitants are generally described as sober, reserved, rule-driven, and well-disciplined: all typical Calvinist characteristics.

Calvinism in the Netherlands is no longer intensely tied to religious beliefs as it once was, but Calvinism has nevertheless developed into a way of life for the Dutch.

What is your experience with Calvinism in the Netherlands? Tell us in the comments below!