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How to fake your way into speaking Dutch (in 5 steps)

For most Dutch learners, speaking Dutch in the Netherlands — especially in the Randstad area of Amsterdam, Rotterdam, the Hague and Utrecht — can be a rather difficult endeavour. 

If your Dutch isn’t perfect, chances are you will get a response in English — we’ve all experienced it, including myself.

As a consequence, most Dutch learners get demotivated at best, scared off at worst, and consequently settle for finishing the conversation in English.

However, as a non-native Dutch teacher, I know how it can be, and I know how to overcome it.

We got some help from the experts to bring you this article. TaalBoost is a Dutch language school based in Amsterdam, so they know how tricky it can be to get the Dutch flowing. Thankfully, they’ve also got some tips on how to keep the Nederlands going! Let’s start gargling those g’s, baby!

1. Gargle the g’s (and shorten the a’s)

The best way to make people think you mastered their language is to get a grasp of not just the words, but the sounds

When it comes to the Dutch language, the instantly recognisable sound is the rolling or gargling ‘G. So, how can you master it? 

photo-of-woman-talking-with-friend-on-couch-speaking-in-Dutch
It doesn’t matter how funny you sound. Image: Magnific

To begin, you place your tongue in the same place as when you pronounce the G sound in the English word “goal” — against the roof of your mouth. 

The only difference is that to roll the Dutch ‘G’, the air needs to flow between the tongue and the roof of your mouth. Can you try it now? If you still don’t have it, this wikiHow has even more details. 

READ MORE | Like a native: 21 ways to elevate your everyday Dutch phrases

While you are exercising the Dutch ‘G’, it’s also worth practising your pronunciation of the Dutch ‘H’ as this tends to be a bit more throaty.

The Dutch ‘H’ is not formed in the mouth but in the throat, just like the ‘H’ in the laughing sound of ‘haha’. 

Listen to the examples hoor/goor (listen/disgusting), heel/geel (very/yellow), haan/gaan (rooster/to go) below and repeat to master the pronunciation:

When you substitute one sound in a word for a different sound, and it leads to a difference in the meaning between the two words, like in the g/h examples above, this is called a minimal pair

That’s why — aside from the ‘G’s’ and the ‘H’s’ — the correct pronunciation of the 16 (!!) Dutch vowels are fundamental to making yourself fully understandable.

TIP: If you stand in front of a mirror and say hoor, heel or haan, the mirror should steam up. If there’s no steam, then your pronunciation was probably closer to goor, geel or gaan.

Short and long sounds 

Out of the 16 vowels, five have their short and long version, like:

  • man/maan (man/moon),
  • zon/zoon (sun/son),
  • ben/been (am/leg),
  • wil/wiel (want/wheel),
  • and zus/zuur (sister/sour). 

TIP: The long vowels in the latter examples (maan, zoon, been, wiel, zuur) are pronounced as what could be considered a normal length, and the short vowels are pronounced extra short (man, zon, ben, wil, zus). 

One of the first giveaways that your Dutch will get a reply in English is that you’re pronouncing the short vowels too long. 

Listen to the audio below and repeat:

2. Glue the words together (but remain understandable)

If you faked your way into speaking, let’s say, Italian, odds are high that you’d make every sound overly clear and understandable with that final ‘a’ like Super Mario does. 

That’s because the Italian language follows a staccato consonant-vowel rhythm, often described as melodic.

However, when it comes to the Dutch language, the opposite is true. 

Photo-of-two-women-speaking-Dutch-while-people-chat-in-background
The key is to talk Dutch with confidence and speed! Image: Magnific

Instead of adding vowels to make the language more musical, the Dutch compress multiple sounds, words, and even whole sentences into one word in spoken Dutch. 

We call this constricted speech, and it works similarly to the English “you’ve” (you have), “don’t” (do not) and “gonna” (going to).

For example: Kweenie (pronounced as quay-nee). Although you actually say one word, it is a contraction of four words: ik weet het niet (I don’t know, or dunno!)

How do you know what words to glue to the neighbouring word? 

Pronouns are most commonly ‘incorporated’ into other words.

In written Dutch, we already do this with je for jij/jou/jouw (informal you/your), ze for zij (she or they), and we for wij (we).

Exclusive to spoken Dutch, ik would commonly be shortened to ‘k (I), hij to ie (he), and het to ‘t (it/the). Hem would be pronounced as ‘m (him), and haar as d’r (her). Finally, mijn often becomes m’n (my) and zijn becomes z’n (his) in the spoken language.

Interested in hearing how this sounds in real life and up for an exercise in Dutch constricted speech? 

3. Use many meaningless words (in a meaningful way)

The Dutch are notorious for their directness. For a non-Dutchie, it’s commonly a “damned if you do, damned if you don’t” when trying to hit that sweet spot of directness.

In fact, chances are you’ll either come across as not direct enough, too direct or even impolite. 

photo-of-people-shaking-hands-meeting-each-other-speaking-Dutch
Dutch directness is something you have to overcome and master when learning to speak Dutch. Image: Magnific

Example: One might think that a short answer, such as ja or nee, conforms to the Dutch standards of directness since the message is clear and short. 

Sure thing, but it’s also too short, too direct, and, therefore, impolite. You want to go for at least two or three words in your reply: nee, dank je wel or ja hoor/lekker.

The word hoor in the above example does not have any particular meaning as a word — its function is purely pragmatic, to keep the speaking partner at ease. 

@dutchreview It’s so refreshing! #fypシ゚viral #fyp #dutchreview #nederland #netherlands #expat #expatlife #CapCut ♬ original sound – DutchReview

Other ‘meaningless’ words with a similar function as hoor are maar, eens, even, and toch. The Dutch language is teeming with these pragmatic fillers.

For example: if you are requesting something more imperatively, a command such as kom hier (come here) or ga zitten (have a seat) should be used without fillers only when you’re directing it to a dog or a child that just won’t listen. 

In other social situations, you must throw in one or more of the meaningless words for it to become socially acceptable: kom maar/eens (even) hier, or if you’re feeling extra: ga toch maar eens even zitten!

In Dutch, as is the case with many languages, polite questions are always longer than direct questions. Compare the following examples:

Impolite directnessKom hier! 
Socially-acceptable directnessKom maar/eens even hier!
Polite directnessZou je hier willen komen, alsjeblieft?

4. Express yourself (the Dutch way)

In case actual words or sentences fail, you can resort to exclamations

To use them, you don’t really need any knowledge of the Dutch language, making them a very useful strategy when you need to fake your way into speaking Dutch.

Photo-of-two-friends-looking-at-sheet-and-speaking-Dutch-together
It’s not just words you should be learning — exclamations are equally important! Image: Magnific

The exclamations commonly consist of two sounds that are repeated and can be used in various situations.

They can be categorised as:

  • Words of exhalationpoeh poeh, hè hè
  • Words of evaluation nou nou, zo zo, ja ja
  • And words that precede lifting or moving a heavy object — hopla, huppeke, hupsakee, huppakee.

Exclamations are riddled throughout the Dutch language. Just think of how we say ‘hi’ and ‘bye’ in Dutch — hoi hoi and doei doei.

Faking your way into anything can be exhilarating, but also quite exhausting after a while. So why not take the next step and learn Dutch properly? TaalBoost offers both in-class lessons at their Amsterdam location and online lessons.

Whether you’re a budding beginner or a seasoned Scheveningen-sayer, their courses will help you dumbfound the Dutch with your language skills.

5. Throw in a couple of phrases (but do this with caution)

Using expressions when learning a new language should, in all honesty, be the last thing to resort to. 

Photo-of-two-friends-at-bar-talking-in-Dutch-learning-Dutch-together
Using Dutch phrases is a great way to up your Dutch skills — but do so with caution! Image: Magnific

Expressions and idioms

Expressions or idioms are culture-specific, used only in certain contexts, and follow a specific word order. Use them with caution if you want to fake your way into speaking Dutch! 

If not, you may ‘fall through the basket’ as a non-native (In Dutch, door de mand vallen means ‘to become exposed’). 

Needless to say, a big no-no when using idioms is to literally translate them from another language. 

Still, the literal translations of the expressions are often funny or, at times, even weird. 

DutchEnglish
Ik hou je in de gatenLiteral: I hold you in the holes (I’m watching you)
Helaas, PindakaasLiteral: Unfortunately, peanut butter (That’s too bad)
Meedoen voor spek en bonenLiteral: Participate for bacon and beans (Participating for the show)
Het loopt in de soepLiteral: It goes in the soup (It’s failing)
Over koetjes en kalfjes pratenLiteral: Talk about cows and calves (Small talk)
Ik zal ze een poepie laten ruikenLiteral: I’ll let them smell a poop (I’ll show them)

Linguistic commonplaces

Even more useful than the expressions to fake our way into Dutch are the linguistic commonplaces. 

These ready-made sentences are used in certain situations, but they’re not exactly metaphors. 

The linguistic commonplaces are used to create a familiar surrounding for the conversation and your speaking partner(s), either by putting them at ease (similar to Step 3) or teasing them.

Of course, there are enough linguistic commonplaces to warrant a book (in fact, there is one), so let’s focus on just one for now: how to find comfort in the fact that it’s raining. 

DutchEnglish
De meeste druppels vallen ernaast.Most droplets are falling next to us.
Wat nu valt, valt straks niet meer.What is now falling will soon no longer fall
Tussen de buien door is het droog.It’s dry between the showers.
Het is goed voor de plantjes.It’s good for the plants.
De boeren zijn er blij mee. It pleases the farmers.
Het koelt wel lekker af zo.It cools off nicely like this.

Do you have any tactics for tricking the Dutch? Tell us about them in the comments below! 

Here’s how ING is making banking accessible for Ukrainians in the Netherlands

If you’ve recently arrived from Ukraine, navigating a new banking system on top of everything else is a lot.

The good news is that ING offers a straightforward sign-up process for Ukrainians, with some flexibility in accepted ID. Here’s everything you need to know.

Why Ukrainians in the Netherlands need a Dutch bank account

If you’re a Ukrainian in the Netherlands who falls under the Temporary Protection Directive, you’ll receive leefgeld (a living allowance) from the municipality where you’re registered.

That money, which is intended to cover clothing, food, and a housing supplement if you’re staying with a host family, is paid directly into a bank account. However, having a Dutch bank account can make it easier to receive and manage this payment.

In addition to this, the National Bank of Ukraine has maintained various currency restrictions since the start of the war, including tightened limits on certain cross-border cash withdrawals and specific types of card payments abroad.

woman-paying-with-foreign-ukrainian-bank-card-at-cafe-in-the-netherlands
Having a Dutch bank card can make the adjustment process easier, at least where payments are concerned. Image: Magnific

That means relying solely on your Ukrainian bank card for daily life in the Netherlands is not always straightforward, and may potentially be quite expensive.

In contrast, opening a Dutch bank account makes the adjustment process far more straightforward. Direct debits for rent, utilities, and subscriptions all run more smoothly with a Dutch IBAN, and everyday contactless payments are much less likely to run into issues.

If you’re eligible, the EU Temporary Protection Directive has you covered

If you’re a Ukrainian national who arrived in the Netherlands after the war began, you very likely qualify for protection under the EU Temporary Protection Directive (TPD).

This is an EU-wide policy that grants Ukrainians a set of rights in member states without going through a full asylum process.

Under this directive, the IND (Dutch immigration office) notes that Ukrainians in the Netherlands are entitled to accommodation, healthcare, education, the right to work, and access to financial services, which can include opening a bank account, subject to the requirements of the financial services provider.

(For the full list of rights, be sure to visit the official EU webpage on TPD obligations.)

Note: Do you fall under the Temporary Protection Directive, but are you not registered with your local municipality yet? You can make an appointment with the IND to arrange this.

What ING offers Ukrainians in the Netherlands

ING is one of the largest banks in the Netherlands and even has a dedicated page for Ukrainian refugees, outlining how to open an account as a Ukrainian national.

With certain Dutch banks, documentation can be a key barrier for newly arrived Ukrainians, as not everyone has a full set of paperwork in order when they first arrive. ING, on the other hand, accepts a range of identity documents for Ukrainian applicants.

Some of these may include:

  • a valid English-language Ukrainian international passport (or one extended by the Ukrainian embassy), and
  • a valid O-document (the temporary residence document issued by the IND to Ukrainians who don’t yet have standard identity papers).

In addition to this, ING also accepts a wider range of accommodation types as a registered address compared to some other banks. As long as you have a Dutch residential address registered with your municipality, you can generally proceed with your application.

How to open an ING account as a Ukrainian

The process is fairly straightforward; here’s a step-by-step guide of what to expect.

1. Gather your documents

As mentioned previously, you can use either a Ukrainian international passport or a valid O-document.

If you don’t yet have an O-document, you can make an appointment with the IND to apply for one.

Plus, you’ll also need a BSN (your Dutch citizen service number), which is issued when you register with your municipality. Some banks, like ING, also let you open an account without your BSN at the start — provided you submit your BSN within 90 days of creating your account.

ukrainian-man-opening-dutch-bank-account-with-ing-online-necessary-paperwork-beside-him
Ensure you have all the necessary documents at hand. Image: Magnific

2. Download the ING app or visit a branch

Not close to a brick-and-mortar bank office? No stress, because ING allows new customers to open a bank account via the ING app on a smartphone.

The app is available in English, which makes it more accessible if you aren’t yet comfortable reading Dutch.

If you’d prefer to open an account in person, ING also has branches across the Netherlands where you can complete the process face-to-face.

3. Choose your account type and payment package

Once you’re through the identity verification step, you’ll choose the right package for your needs. ING currently offers 4 betaalpakket (payment package) options.

How much does an ING bank account cost in the Netherlands?

ING’s account packages offer four options to choose from:

  • ING Go from €4.00 per month, which is handy for those who want just the essentials for daily banking. You get a checking account, a debit card, and free euro cash withdrawals, with a €2,000 emergency cash limit abroad and the choice to add paper statements for a fee.
  • ING More from €7.00 per month, which includes a credit card with 365-day purchase protection, 4 free cash deposits per year, and built-in 24/7 cyber incident protection. Your emergency cash limit increases to €5,000.
  • ING Extra from €15.99 per month, which also includes emergency home assistance, a second account holder at no extra cost, and a +0.50% savings interest rate boost. You also get cyber and ATM threat protection.
  • ING Max from €44.99 per month; you’ll get a personal financial plan with an advisor, comprehensive medical emergency and trip insurance, and a 1.00% interest rate boost to help grow your savings more securely.

All four include the ING app, a debit card, Apple Pay, Google Pay and Garmin Pay, payment request tools, and in-app features like Look Ahead and Insight to track your spending.

For most Ukrainians settling into daily life in the Netherlands, the Go or More plans will cover your essentials.

Are you a Ukrainian living in the Netherlands, or do you know someone who is? Drop a comment below with any questions or tips for navigating the banking process.

This article was sponsored by ING and written by DutchReview.

Trump’s America is losing top scientists, and the Netherlands just picked up 29 of them

A Dutch fund set up to attract leading researchers from countries where academic freedom is under threat has secured 34 international scientists, most of them from the United States.

The fund is called the Tulp Fonds (Tulip Fund), and of the 34 researchers it has brought in, 29 either work in the US or are American. The rest come from Israel, Turkey, the UK, and Singapore.

Why are so many scientists leaving the US?

Many scientific fields have had a turbulent year under the Trump administration.

In 2025 alone, more than 7,800 research grants were cancelled or suspended, Nature reported. Agencies like the National Institutes of Health and the National Science Foundation were hit hardest, “two of the largest public supporters of scientific research in the United States.”

The administration also proposed steep budget cuts for 2026, though NBC News states that Congress and the courts have rejected many of the most drastic ones.

READ MORE | Here’s how the Netherlands hopes to benefit from Trump’s brain drain

Even so, the volatility has taken a toll on research and education.

Harvard decided to cut its science PhD spots by 75% over two years, according to Chemistry World. For a lot of researchers, that’s reason enough to look abroad.

And, while the Netherlands isn’t the only country trying to attract that talent, it now has 34 top researchers to show for its efforts.

Which scientists are coming?

There’s no full list of names yet, but we know the kind of institutions involved. The US-based group includes researchers from Harvard, Stanford, Columbia, and Yale, along with American federal research institutes.

Their fields cover some of the most important research areas today: artificial intelligence, quantum technology, vaccines, nuclear energy, cancer, Alzheimer’s, climate, and food production.

These are the areas the ministry and NWO see as most valuable for the Netherlands, which is exactly what the fund is meant to target.

What does this mean for the Netherlands?

As NU.nl reports, each institution can receive up to 1 million euros per researcher, spread over five years.

Minister Letschert of Education called the researchers’ arrival “good news for the Netherlands,” pointing to the new knowledge, international networks, and boost to Dutch science they bring with them.

And this might just be the start of the Netherlands’ acquisition of fleeing US talent. More awards are expected in 2027 within the current budget, so the total could rise beyond just 29 US researchers.

Would you move countries for your work, or are you already one of the internationals who did? Let us know in the comments.

Another Dutch heatwave is coming (and this one could break a record)

A third regional heatwave could strike the southern Netherlands this weekend, and if it lands, it’ll be the earliest a Dutch summer has ever seen three of them.

If you’ve only just recovered from June’s sweaty stretch, brace yourself. The Netherlands is heading into another very warm spell, with forecaster Weeronline saying a third regional heatwave is very likely.

Thankfully, we’re currently in a slightly cooler phase (the calm before the storm, if you will). The south is summery today, with temperatures of 26 to 30 degrees Celsius, while the rest of the country sits between 20 and 24.

When will the heat hit?

Starting Thursday, July 9, temperatures in the south may start climbing back into tropical territory (30 degrees and up), and the warmth is expected to hang around into next week.

That makes a regional heatwave in the south fairly likely by Saturday. If Thursday doesn’t reach 30 degrees, Weeronline expects the milestone to be recorded on Sunday instead.

The Netherlands has never before recorded three heatwaves this early in the year. The closest we’ve come is a hot spell in Eindhoven in 2006, but that third heatwave didn’t turn up until July 15.

A third heatwave landing in the first half of July would beat the record from 2006, with several days to spare.

Could it become an official national heatwave too?

As of July 7, Weeronline is uncertain whether a nationwide heatwave is on the cards. And, even if it unfolds, it won’t break records the way a regional heatwave might.

For a national heatwave to break records, De Bilt (a meteorological monitoring station in Utrecht) has to meet the criteria. It’s uncertain whether temperatures will reach 30 degrees Celsius there by Friday.

Weeronline currently puts the chance of an official national heatwave at around 30%. If it happens, it’d be the second official heatwave this year, and that’s no record, because 1947 already had two before July even started.

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Opening a business account in the Netherlands: Why traditional banks might not cut it

Starting your own company in the Netherlands can be exciting, but setting up a traditional business bank account? That’s where the long-standing Dutch love affair with bureaucracy really kicks in. 🙃

Whether you’re a freelancer with your own BV or an employee at a multinational in Amsterdam, Dutch banks aren’t exactly known for making life easy.

Add onboarding delays and opaque fee structures to the mix, and it’s no wonder that more and more entrepreneurs in the Netherlands are looking beyond the big banks.

Looking for a business account built for a modern workflow? Meet Airwallex, the global payments and financial platform for modern businesses that supports international companies in the Netherlands.

Just sign up online and enjoy a powerful multi-currency account with low transfer fees, handy expense management, and corporate cards.

Traditional banks vs. fintech platforms: what’s the difference?

Most traditional Dutch banks have been around for decades, and they’re solid choices for businesses that trade primarily in euros or transact solely within the Netherlands.

photograph-of-a-businessman-paying-with-his-traditional-business-bank-card-in-the-netherlands
Traditional banks offer great reliability and brick-and-mortar service, but may not offer as many up-to-date features as fintechs. Image: Freepik

Fintechs, meanwhile, are digital-first platforms designed for companies that operate internationally.

Curious to see how they compare? Let’s dive in:

FeatureTraditional banksFintech platforms
Ease of onboardingPhysical appointments and digital sign-ups
Days or weeks for approval
Digital sign-ups
Often minutes or hours for approval
AccessibilityPhysical branches
Limited online support
Digital only
Often 24/7 online support
FeesTiered packages
FX mark-ups may be hidden
Transparent pricing, often no account fees for basic package
Often no FX markups, or close to interbank rate
IntegrationsLimited or subject to additional feesDirect integrations with accounting software

For entrepreneurs who operate internationally, fintechs are generally the more straightforward choice.

Why opening a business account with a traditional Dutch bank can feel complex

While traditional banks offer solid reliability and customer support, Dutch bureaucracy can make the banking process feel unnecessarily complex.

Let’s briefly run through some of the most common stumbling blocks:

You’ll require a whole list of documents

Before a Dutch bank will even consider your application, you’ll need to provide your KVK registration number, a valid form of ID (such as your passport or ID card), your BSN, residence permit, and often a VAT number.

photo-of-an-international-in-the-netherlands-looking-at-documents-he-needs-to-open-traditional-dutch-bank-account
In general, you’ll have to wade through a lot more paperwork and red tape with a traditional Dutch bank. Image: Freepik

Don’t have your BSN yet? Forget about opening a traditional business banking account.

Further, some banks may even ask for your business plan, and many will only approve accounts for businesses with a permanent Dutch address.

You can expect long onboarding times

In the Netherlands, banks must follow strict regulatory guidelines.

While that’s a win for reliability, this review process can take weeks if you’re an international or if your business is newly registered.

For you, this translates into delays of several weeks before you can issue invoices or pay your suppliers, or even set up the financial side of your business.

Your bank may not keep up with modern technology

Although traditional banks are gradually embracing digital tools, they’re often stuck playing catch-up.

Integrations with accounting software (for example) may be limited, subject to additional fees, or require third-party workarounds. So, if you run a business that relies on software integrations or other modern tools, then traditional banks might feel stuck in the past.

You’ll only get the standard fee setup

When it comes to traditional business banks, many sell banking packages with fixed monthly fees and limited features. Typically, these include a standard current account, a savings account, and a free debit card.

photo-of-an-international-student-in-the-netherlands-using-debit-card-and-traditional-bank-account-to-pay-at-cafe
Standard banking packages in the Netherlands come with a current account, savings account, and a debit card. Image: Freepik

If you need a multi-currency account, swift international transfers, or a basic credit card, you’ll need to apply for these individual features. In addition to costing you precious time, extra charges will apply.

Why entrepreneurs prefer fintech platforms instead

Unlike traditional Dutch banks, modern banking solutions are built around how companies actually work today: digital, global, and fast.

These fintech platforms avoid a lot of bureaucratic bottlenecks, saving you time and money:

You’ll get faster onboarding (and fewer hoops to jump through)

Most fintech platforms streamline the verification process, allowing you to open an account from your mobile phone and start invoicing clients within hours.

Forget about waiting weeks for your bank account to be verified, collecting files full of paperwork, or needing to visit a branch in person. The application process takes a few minutes to complete, and your account will be approved within one to three business days.

You’ll enjoy a more up-to-date banking experience

With modern workflows in mind, fintechs offer smooth integrations with tools you’re already using and quicker access to developing software.

photo-of-two-friends-ordering-food-in-a-restaurant-in-the-netherlands-using-fintech-mobile-banking
Fintechs tend to be at the forefront of mobile banking, with a plethora of modern banking features. Image: Freepik

For companies that value efficiency and innovation, fintech platforms deliver a banking experience that actually keeps pace with how you work — and how the business world is changing globally.

Your accounts are built for global teams

These fintech platforms aren’t just for liaising with Dutch companies. Instead, you can open multi-currency accounts and do business on the global stage.

Funds arrive directly in your wallet, where you can convert them at real-time rates and pay suppliers or employees in their local currency. And what you’ll save in foreign exchange (FX) fees, you’ll also save in time, with much faster cross-border transactions.

You’ll access transparent fee structures

Given that fintech platforms are primarily digital, they typically publish their account fees, FX mark-ups, and additional costs on their websites.

In other words, no more scratching your head and wondering how much that foreign transfer will cost you on top of your existing account fees.

With swift onboarding, competitive foreign exchange pricing, and seamless software integrations, Airwallex isn’t your average business account. This fintech is built for ambitious Dutch companies, helping you succeed on the global stage.

redheaded-woman-sitting-at-a-cafe-in-the-netherlands-and-using-her-dutch-bank-card-to-pay-for-some-coffee
While fintech platforms have many benefits for ZZP’ers, your personal situation will determine whether one is the right fit for you. Image: Freepik

Tips for choosing the best business account for your needs

Of course, not every ZZP’er or employee requires the same features for their business bank account. When comparing banking options, it’s important to consider:

  • Where you operate: If you only transact within the Netherlands or the eurozone, then a traditional Dutch bank will suffice. However, if you’re banking internationally, choose a fintech platform that offers you multi-currency support with a local IBAN.
  • Onboarding time: Fintechs can get you up and running quickly, whereas traditional banks may require in-person meetings and a lengthy verification process.
  • Currencies and payment methods: Beyond monthly account fees, you should also compare costs for additional users, cards, and international transfers. Fintechs often offer feature-rich free or low-cost plans, while add-ons for traditional banking packages can be pricey.
  • Banking and software integrations: Ensure your account will be compatible with the accounting software, expense management tools, or invoicing systems you plan to use. Fintechs often offer easier integration than traditional Dutch banks.

While it can feel like a lot of information to sift through, taking the time to match your account to your business model will save you money and headaches down the line.

When a traditional bank is still the right choice

It goes without saying, but digital banking isn’t for everyone.

photo-of-a-freelancer-in-the-netherlands-using-his-personal-bank-account-and-banking-card-for-business-transactions
Depending on your situation and financial requirements, a traditional business bank account might be the better option. Image: Freepik

Should you want the familiarity of a local Dutch bank, with in-person support and brick-and-mortar branches, then fintechs just won’t cut it.

In addition to this, when it comes to established Dutch companies with straightforward finances and few international payments, the traditional features offered by regular banks may outweigh the benefits of cutting-edge fintech tools.


Whether you’re Team Fintechs or Team Traditional Banks, understanding your options is key.

By choosing a banking partner that aligns with your company’s goals and financial requirements, you can ensure your finances support your business and avoid banking headaches in the long term.

What has your experience been like with business banking in the Netherlands? Share your thoughts in the comments below.

Renting a boat in the Netherlands: all you need to know in 2026

One thing’s certain about the Netherlands: there’s loads and loads of water. And where there’s water, there are boats. And where there are boats, someone’s wondering how you can rent them… that must be you!

You certainly must have seen the people on boats cruising the canals and enjoying their time in the sun while cracking open a beer.

If you’re a bit jealous, don’t worry because it’s really easy to rent a boat in the Netherlands. Then you can also wave at the mere mortals walking on the sidewalks!

Who can rent a boat in the Netherlands?

Anyone over the age of 18 can rent a boat in the Netherlands. Of course, minors can tag along, provided there is an adult with them.

No special permit or licence is required in order to rent a boat in the Netherlands, as long as it fits in a designated category.

Rented-boats-on-canals-of-Giethoorn-Netherlands-with-bridge
Almost anyone (adult, of course) can drive a boat on the canals in the Netherlands. Image: Depositphotos

If you have a child who is over 12, they can also steer the boat and gain some sailing experience, as long as the boat does not go faster than 13 kilometres an hour and is a maximum of seven metres long.

Do I need a boating licence in the Netherlands?

According to official sources, you only need a boating licence (a vaarbewijs) if your boat is longer than 15 metres or can go faster than 20 kilometres an hour.

Note that it’s the speed the boat is capable of, not how fast you actually go. If your goal is a calm trip down the canals, you shouldn’t need a boat that requires a boating license.

Where to hire a boat in the Netherlands

There are many companies where you can rent a boat in the Netherlands.

Choosing the company that best serves your needs also depends on where you live, so it’s best to start looking locally first.

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Look online for boat rentals in the Netherlands; they’re everywhere. Image: Depositphotos

There are several websites you can look into to find boats for rent in the Netherlands.

Here are some great websites to check out:

If you prefer a more hands-on approach to finding and renting boats, go to your local tourist info point, and they can guide you further in finding the best boat rentals in your area.

A romantic boat tour in Amsterdam

There are plenty of differently themed boat tours to book in Amsterdam.

If you want something special, romantic and personal, then you can’t go wrong with Rocco and his romantic boat tour through Amsterdam.

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Rocco often sails at the golden hour or sunset. Image: DutchReview

It’s snug, takes you to all the gezellig spots, and comes with all those lovely details such as a glass of bubbles, romantic anecdotes about the city and music to fall in love with.

Rocco is a people person and makes sure it never gets cheesy (although, fun fact, some cheese is served onboard).

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Luxury aboard Rocco’s romantic cruise. Image: DutchReview

P.S. You’re totally welcome to invite the DutchReview crew on any boat tour at all times.

What kind of boats can you rent?

The list of boats that you could potentially rent is diverse and really depends on what kind of experience you want.

If you’re after a more traditional sailing experience? Perhaps go for a bigger sailboat.

Want a luxurious boat so you can travel off the coast and explore the North Sea with your friends? A larger canal boat should fit your needs.

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Canoes, motorboats, whatever your heart desires! Image: Depositphotos

Of course, if you wanna be really close to the water and perhaps even risk getting a bit wet, then a cheap canoe is definitely a fun option to consider!

Another very popular option is the small motorboats. Similarly cheap and loads of fun, you can rent them and go exploring the canals of your city at your leisure.

How much does renting a boat in the Netherlands cost? 💸

The cost of renting a boat varies depending on what kind of boat you are renting, for how long, and whether it is manned by a captain or not.

On boat hire websites, prices are usually listed per day and range from around €60 for a basic sloop to €280 or so on average — with luxury boats climbing to €500 a day. Most also ask for a deposit up front.

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Want a cheap day on the Dutch canals? Rent a canoe for cheap. Image: Depositphotos

Boats can also be offered for half a day or even for a week if you feel like spending more time on the water.

For canoes or rowing boats, you’ll usually pay by the hour rather than the day. A one-person canoe typically runs somewhere between €8 and €22 an hour, so a couple of hours of paddling won’t break the bank.

What do I need to know before renting a boat in the Netherlands?

An important thing to consider before renting a boat is to get insurance. This also really depends on what canal you are sailing on.

If you are on a busy Amsterdam canal and it’s you behind the wheel (and you have no prior experience), you should really get insurance.

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Amsterdam’s canals become a highway for boats during peak season (better get that insurance!) Image: Freepik

If you are somewhere in a more isolated area, it’s perhaps easier, but insurance is an option you should still consider.

However, if you’ve hired a boat including an experienced captain, there’s no need to consider insurance — all legal responsibilities fall on the captain.

READ MORE | Swimming in Amsterdam’s canals: what you need to know

Want to get insurance? Make sure to ask for it when renting the boat.

Check for rentals which have ships registered under the HISWA (National Water Sports Association in the Netherlands) rental agreement conditions.

Generally, insurance deductibles equal the deposit you’ll pay on the ship. So, if you pay a €200 deposit and have an accident while you’re steering, expect to pay a €200 deductible.

What should I bring when renting a boat?

Obviously, when cruising down the quaint canals, there are some essentials you should pack.

Firstly, if you are going on a sunny day, sunscreen is a must, especially if your boat does not have an inside area you can shelter in.

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Believe it or not, sunny days in Amsterdam can actually get very hot. Image: Pixabay

Depending on how long you’re going for, consider bringing some food. If you are going on a boat tour, some snacks might be provided (especially on guided boat tours).

Can I drink alcohol on a boat in the Netherlands?

Of course, you can crack open some cold Dutch beers while you’re at it — but just as with cars, if you happen to be behind the wheel, don’t drink and drive sail.

According to the Shipping Traffic Act, boat captains can have a couple of drinks as long as they don’t exceed a 0.5 per mille blood-alcohol level.

Finally, a question some of you might be curious about. Can you 4/20 blaze it on a boat?

There’s no law against it when you’re renting your own boat (although the person who owns the boat may have their own rules).

However, especially for guided tours, the answer is almost certainly no.

Alternatives to boating in the Netherlands 🌊

Let’s say you’re interested in being on a boat, but for different reasons (such as motion sickness), you’d rather it doesn’t move. Thankfully, there are options for that as well!

Depending on the city, there’ll be boats that are used solely as terraces — they won’t take you anywhere, but you can get the boat experience. 

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Houseboats can be rented just like hotels, for a night or two. Image: Depositphotos

Another alternative is staying on a houseboat for an authentic Dutch experience.

Finally, for even more fun, certain coffee shops in the Netherlands are located on boats which are moored on canals. For example, check out the Culture Boat in Utrecht.

Have you ever been boating in the Netherlands? What was it like? Tell us in the comments below!

Flying solo: a parent’s tips for travelling alone from the Netherlands with kids

If you’re a parent, the unbridled travel days of stuffing a carry-on with the essentials and grabbing your passport are gone.

Travelling with the little critters requires a lot more planning, especially if you are travelling with your wee ones on your own.

The keyword above is planning, so here are the most important things to keep in mind as you write out your pre-flight checklist.

Make sure you gather the relevant documents

Additional travel documents, I hear you sigh. But why?

This is to ensure that you have the custodial right and permission from the other parent (if there is one) to travel alone with your children.

It may cause additional stress, but it is a crucial measure to combat international child abduction.

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Your passport isn’t the only travel document you’ll need. Image: Unsplash

So, before you head out the door, make sure to take Dutch bureaucracy into account.

Keeping all the required additional documents in your travel wallet can save you plenty of time and hassle at border control.

What documents do you need?

No official global form exists, and the rules and regulations may differ slightly between countries. It’s best to check which documents the consulate of your destination country requires.

Here in the Netherlands, the Dutch government has made it slightly easier. On the government’s official website, you can download a consent letter.

I would strongly advise having a consent letter for every trip, which includes the correct dates, rather than repurposing the same letter.

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Luckily, the government website offers you a downloadable template you can use as a consent letter. Image: Freepik

The Ministry of Defence website provides more information about travelling alone with children under 18.

In short, apart from your passports, you may be asked to produce these documents:

  • A consent letter signed by the other custodial parent
  • A copy of the other custodial parent’s passport

It is always handy to show a return ticket for the child, if applicable.

Depending on your relationship status (if separated or divorced) and custody agreements, you may also be asked to supply recently issued documents such as:

You will also be asked to provide all addresses where the children will stay while abroad.

No matter where you’re off to, be prepared

When travelling from the Netherlands, in Europe or the Schengen area, it is unlikely that these documents will be checked due to the lack of border controls.

However, as you are required to travel with these documents for any international travel, it is best to keep them on hand.

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Your safest bet is to be fully prepared before you travel! Image: Freepik

If you raced out of the house desperate for that well-deserved family vacation and forgot these documents, don’t fret!

It may take more time and will undoubtedly cause heart palpitations; however, the standard procedure is for the passport control officer to verify your custodian status through the Parental Responsibility Register.

They will also contact the other parent to confirm permission.

For all those new parents out there who are counting down the days for the next family holiday, make sure not to forget the practicalities in the rush.

Did you know about these important documents when flying solo with the kids? Tell us your thoughts in the comments below!

From iDEAL to Wero: what the new European payment system means for your Dutch business

Payment system iDEAL is being replaced by Wero, and Dutch businesses have until the end of 2027 to make the switch.

The migration started in January 2026, with an earmarked date of December 2027 to fully complete the transition from iDEAL. If you’re a freelancer or business owner in the Netherlands, the switch to Wero is key.

Here’s what’s actually changing, and what you and your business need to do about it.

What are iDEAL and Wero?

iDEAL is the bank-to-bank payment system that has dominated e-commerce in the Netherlands since 2005. When a customer pays through iDEAL, money moves directly from their Dutch bank account to yours.

However, the catch is that it only works in the Netherlands. In other words, neither a French customer nor a German customer can pay you with iDEAL. That’s the problem Wero is built to solve.

Wero (short for “We Euro”) is a pan-European payment system developed by the European Payments Initiative (EPI), which is a consortium of 16 major European banks, including ABN AMRO, ING, and Rabobank.

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Irrespective of where they live in the EU, your customers can pay you with Wero. Image: Magnific

It operates the same way iDEAL does, with direct bank-to-bank transfers via SEPA Instant Credit Transfers. The main upgrade? It works across borders, too — allowing all your customers within the EU to pay you easily.

In addition to this, Wero is explicitly designed to reduce Europe’s dependence on Visa, Mastercard, and PayPal.

This is because most online payments in Europe flow through American networks (such as the aforementioned American card networks), which take a fee on every transaction. Wero cuts them out entirely, moving money directly between European bank accounts instead.

While your online checkout transitions to Wero, don’t overlook your in-person payments. Revolut Business makes accepting contactless and mobile wallet payments seamless, making accounting a breeze.

Why is iDEAL being replaced?

While Dutch customers can quickly and seamlessly pay Dutch businesses, iDEAL has severe limitations for customers elsewhere in the EU.

If your company has ever had to offer multiple payment methods just to cover European buyers, this is exactly why.

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Thanks to Wero, European customers can now pay Dutch businesses seamlessly. Image: Freepik

But the Netherlands isn’t alone in this struggle. Belgium, France, and Germany each built their own local payment systems, none of which worked across borders. Now, Wero replaces all of them with a single pan-European solution.

What changes for your business (and what doesn’t)

If you run a business or sole tradership (eenmanszaak) in the Netherlands, the good news is that you’re unlikely to notice any major changes until 2027.

Here’s what stays the same with Wero

You don’t have to create your payment account from scratch.

According to Wero, you can integrate the system through your existing payment service provider (PSP), which will handle the onboarding and setup on your behalf.

So, if you’re on Stripe, Mollie, or Adyen, you probably won’t need to do anything technical at all. These PSPs are building Wero support directly into their existing dashboards and APIs, so iDEAL will be replaced automatically.

And if you take subscription payments, your recurring charges are safe. iDEAL is only ever involved in the initial sign-up, which is the moment a customer authorises a SEPA Direct Debit.

Everything after that runs on SEPA Direct Debit, which isn’t affected by any of this.

Here’s what changes with Wero

As of 2026, the biggest change for Dutch merchants is how chargebacks are handled.

Under iDEAL, a completed payment is final, and there’s no mechanism for a customer to contest it.

However, according to the EPI, Wero will introduce a formal dispute process. This means that if something goes wrong with an order or service, customers can contact you directly through their banking app, and Wero facilitates the resolution.

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Unlike iDEAL, Wero plans to introduce a formal dispute process. Image: Magnific

Beyond disputes, Wero will introduce new payment capabilities that iDEAL has never offered. The system is being built to support subscriptions, pay-on-delivery, and in-store payments — all through the same integration

In addition to this, Wero charges a small percentage fee per transaction. For the full pricing details, contact your PSP; Wero has published a list of partner PSPs if you need to find yours.

The good news? There’s a maximum fee per transaction, so even on a large payment, you won’t pay more than a set ceiling.

Managing payments across borders may have just got more complex, but Revolut Business keeps the rest of your finances simple. Send and receive money in 25+ currencies, pay international suppliers without hidden fees, and manage your entire business account from one app.

What do Dutch businesses need to do right now?

As the migration to Wero is already underway, there are a few steps you’ll need to take right now to avoid a rush when your PSP sends a reminder.

Here’s what to prioritise:

  • Update your site with the new logo: Replace all iDEAL branding with the combined iDEAL | Wero logo across your webshop, payment pages, apps, and any customer-facing emails, if you haven’t already.
  • Build a dispute process: As Wero has introduced purchase protection, customers can raise issues with an order through their banking app. You’ll want to set up some internal procedures before that happens (such as how you document fulfilment, who handles escalations, and how you respond).
  • Always double-check with your PSP or bank: Ask them directly how they’re handling the Wero rollout for your account, and when any action is required on your side. Don’t assume everything is automatic, as electronic processes can fail and emails can bounce.
  • Tell your customers nothing has changed for them: According to NOS, scammers will try to exploit the transition with fake messages telling customers to update their payment details. A short, clear note from you (for example, “you don’t need to do anything, and we’ll never ask you to update your banking details by email”) gets ahead of any confusion.

The EU switch from iDEAL to Wero: Frequently asked questions

What is Wero, and how does it work?

When is iDEAL being replaced by Wero in the Netherlands?

Do Dutch webshops need to do anything to prepare for Wero?

Will Wero cost more than iDEAL for Dutch businesses?

Does Wero work for subscription businesses?

Flying through Schiphol this summer? Brace yourself for longer passport queues

The new EU border system is turning passport control at Schiphol into a proper waiting game this summer; if you’re travelling on a non-EU passport, it could add hours to your trip.

Nobody dreams of spending their holiday standing in a queue. Yet that’s exactly what’s on the cards for a lot of travellers passing through Amsterdam this summer.

The culprit is a new European border control system that’s being rolled out. It’s already causing delays across the continent, and Schiphol, one of Europe’s busiest transfer hubs, is really feeling the squeeze.

So, what actually is this new system?

It’s called the Entry/Exit System, or EES for short. You can think of it as a digital replacement for your old passport stamps.

If you arrive with a non-EU passport, you now get registered in an EU-wide database. This involves logging your passport details, your face, and biometric information like your fingerprints.

READ MORE | EU Entry/Exit System (EES): what travellers to the Netherlands need to know

The system became mandatory on April 10, 2026. The good news? Once you’re registered, your details are stored for up to three years, so future trips should be quicker.

Current trips, however, are an entirely different story.

Why is the EES causing such long queues?

You can blame it on the rollout. Registering someone for the first time takes a few minutes, and when several long-haul flights land at once, those minutes stack up into serious queues.

Schiphol has tried to get ahead of it, installing 161 self-service kiosks, adding extra Marechaussee desks, and deploying more staff to help travellers through.

However, the airport can only do so much.

Europe’s airport and airline bodies, ACI EUROPE, Airlines for Europe, and airline group IATA, have already sounded the alarm. In a joint letter to the European Commission, they warned that waiting times for EES registration had already reached up to two hours in some places.

At peak times, they said, waiting times could even stretch to four hours or more.

They pointed to three culprits: not enough border staff, ongoing technical faults (especially with the automated e-gates), and hardly anyone using the EU’s pre-registration app that’s meant to speed things along.

Right, but what does this mean for me?

That depends on your passport. Let’s break it down:

  • If you have a non-EU passport, you’ll go through the EES kiosk step on arrival. Follow the non-EU signage because it directs you there automatically. Expect this to take longer than the old stamp-and-go days, especially during arrival rush.
  • If you have an EU or Dutch passport, the good news is that nothing changes. You can skip the kiosks entirely and use the eGates as usual (as long as you’re over 14).

However, EU and Dutch travellers aren’t entirely in the clear, either. When the system gets clogged, staff sometimes get pulled over to help at the non-EU kiosks, which can mean fewer lanes open for everyone.

Couldn’t they just switch the EES off?

That’s exactly what the aviation industry is asking for as a backup plan.

In their letter to Commissioner Magnus Brunner (the EU official in charge of internal affairs and migration), the aviation industry asked Brussels to confirm that countries can partly or fully suspend the EES until the end of October 2026 if queues get out of hand.

Under the current rules, that flexibility risks running out in early July, right as summer travel peaks. The industry says it needs certainty now to plan properly.

Whether Brussels grants that pause is still up in the air. For now, the safest move for travellers is to plan for delays rather than gamble on dodging them.

Are you flying through Schiphol this summer? Have you already pre-registered for EES? Share your experience in the comments below.

Southbound Rotterdam trains still cancelled, now until at least Tuesday

A cable fire near Rotterdam Stadion has kept all southbound trains out of action since June 29, and the reopening has now been pushed back to this Tuesday (July 7) at the earliest.

If you live near Rotterdam and you’ve been refreshing the NS app waiting for good news… helaas, you’re out of luck.

The repair deadline has slipped yet again, and the reason behind the latest delay is almost comically unlucky.

So what’s the new timeline?

No trains will run on the affected route until at least Tuesday, July 7, at 5 AM, according to rail manager ProRail. (Yep, that’s the third revision, after earlier forecasts pointed to Saturday, then Sunday.)

The fire started early on June 29 in a cable duct near the station, wiping out around 200 cables. Those cables control the signals and switches that trains need to run safely, which is why the whole line ground to a halt.

What does this mean for your journey?

If you’re travelling south of Rotterdam, you’ll definitely need a backup plan. Replacement buses are currently running for passengers between:

  • Rotterdam Centraal,
  • Rotterdam Blaak,
  • Rotterdam Zuid,
  • Rotterdam Lombardijen,
  • Barendrecht,
  • and Zwijndrecht.

They follow roughly the same stations the trains would normally stop at, so your regular routes shan’t be too badly affected.

READ MORE | Southbound trains from Rotterdam delayed: here’s how to still make your journey

Heading towards Dordrecht, Breda, or beyond? Factor in extra time and check your route before you leave. In most cases, you should be able to take the bus as far as Zwijndrecht, then pick up a regular train from there.

Since the forecast keeps moving, your safest bet is to check the NS journey planner right before you set off. This disruption is also part of a wider year of Dutch rail chaos that ProRail flagged back in December.

@dutchreview

Train delays are just the perfect way to start the day 😅

♬ Elevator Music – Bohoman

Why are repairs taking this long?

Most of the welding is now done, but the final stretch has hit a very specific snag. The fire scorched the labels off many of the cables, so workers can’t always tell which pieces are meant to connect to which.

That means a lot of slow, careful detective work to match everything up before the last welds can happen. There’s simply no way to rush it.

On top of that, every repaired cable now has to be measured and tested one by one. When a test flags a cable that still isn’t working, the crew has to head back into the duct and fix it all over again.

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