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Do I need to speak Dutch to work in the Netherlands?

Samantha Dixon 🇦🇺
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Do I need to speak Dutch to work in the Netherlands?

You’re ready to pack your bags and move to the Netherlands for work, but there’s one problem: you don’t speak Dutch! 

Will you be able to find a job? Or are you destined to sit homeless by the side of a canal (with a dreamy view, at least). 

The Netherlands, and Amsterdam in particular, is a real hot-spot destination for internationals. Great infrastructure, innovative attitudes, and amazing transport links with the rest of Europe all make the Netherlands a dream destination for expats.

Add in that the Dutch are the best non-native English-speakers in the world and it’s a perfect recipe! Right? 

Well, not quite. While the Dutch can speak great English, that doesn’t mean that it’s the language of choice while you’re living in the Netherlands. 

So can you work in the Netherlands without speaking Dutch? Here’s the full answer — and some handy tips along the way!

Can I work in the Netherlands without speaking Dutch?

You don’t have to speak Dutch to work in the Netherlands. That’s the simplest answer to this question. Plenty of expats move to Amsterdam (or other Dutch cities), find jobs at international companies, complete their work entirely in English, and speak English outside of work as well.

But there’s a big caveat. You don’t have to speak Dutch to work in the Netherlands — but it’s much better if you do. Here are some of the main reasons why:

Your job opportunities are limited if you don’t speak Dutch

No surprise here: you’re living in a foreign country that has its own language, and as such, most business is conducted in Dutch. The Netherlands has plenty of companies that operate almost entirely in English (examples below), but the majority of companies speak (you guessed it!) Dutch. 

The job competition in the Netherlands can also be pretty intense, so even knowing some conversational Dutch can give you a huge leg-up on other candidates. 

You may miss out on the social aspect of work-life if you don’t speak Dutch

The Dutch are famous for having one of the best work-life balances in the world. If you don’t work for an international company, social aspects like afternoon drinks (borrelen), company outings and even conversation around the coffee machine will generally be conducted in Dutch. 

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The Dutch can be a lot of fun — but they’re even funnier in Dutch. Image: Unsplash

You may be blessed with friendly local co-workers who go to a lot of effort to speak English when you’re around. But remember: their main language is Dutch and that’s what they’re most comfortable speaking. Don’t be surprised if as the beers go down, so does the amount of English spoken. 

Living abroad just isn’t as fun if you don’t try to integrate

The Netherlands has a thriving international community, and you can definitely find plenty of expat friends to form your inner circle. But if you want to truly be part of Dutch life and all the quirks that come with it, you should try to learn the language. 

Learning Dutch is surprisingly fun, gives you a new skill, and — even if you can only order a coffee in Dutch — the locals will really appreciate it. Plus, you’ll have a great new party trick to show off if you ever return home!

It’s considered polite to learn your new country’s language

Ah yep, this is a biggie. We’re not saying you have to completely forget your native language to move to the Netherlands — but you are living in a foreign country, so it’s polite to make an effort to speak the local language. 

READ MORE | 10 things to know before finding work in the Netherlands as an international

This will be appreciated in the workplace — after all, a little goedemorgen in the morning can go a long way 😉

I speak a different language — will that help me find a job in Holland?

Alright, we’ve covered the Dutch and English aspects of working in the Netherlands: but what if you’re armed with a different language? Can that help you land a paycheck? 

The Netherlands is a very international country; there are more than 180 nationalities represented in Amsterdam alone. With so many international companies, it makes sense that there is a lot of demand for languages other than English and Dutch. 

In particular, languages from the Netherlands’ closest neighbours are in the highest demand: German, French, or Scandinavian languages in particular. If you possess one of these languages you may just be in for a shot at a job!

Which businesses hire internationals in Amsterdam and the Netherlands?

  • Booking.com
  • Heineken
  • IKEA
  • Liberty Global (Vodafone, Ziggo, Virgin Media, etc.)
  • Nike
  • Phillips
  • Shell
  • Tom Tom
  • ASML
  • Unilever

READ MORE | A job in Amsterdam? The epic guide to finding work in Amsterdam in 2026

How can I find work in the Netherlands?

You’re convinced that the Netherlands is the right place for you, and maybe you’ve even started learning a little Dutch on an app. 

Next up: you’re ready to find a job! It will need to be well-paid, obviously, with great colleagues, and perks galore. If you find one — let us know where it is so we can join you. 

But in all seriousness, the Dutch job market can be competitive. Unless you work in a high demand field (like tech or medicine), you may find it takes some time to find a perfect job in the Netherlands. Here are some tips: 

Make sure you can work in the Netherlands

First things first: make sure you’re all good to go! If you’re from an EU country, you’re likely cleared to work. If you’re not, you should check if you need a visa to work in the Netherlands, or if you might be eligible for a sponsored job in the Netherlands. 

Polish up your CV to Dutch standards

Not all CVs are created equal — and what flies in your home country may not be the Dutch way. Make sure your CV is fully optimised for Dutch recruiters and lookin’ snazzy.

Update your LinkedIn

LinkedIn is BIG in the Netherlands, and it’s likely that if you make it past the initial screening process, a recruiter will be checking you out. Make sure it’s up to date and active. It’s also a great place to search for jobs in the Netherlands!

Register with job websites

A larger net catches more fish — so don’t forget to check in with different job advertisement websites. Indeed.nl has the one of the biggest market share in the Netherlands with 42% of active jobseekers using the platform (and you can filter by language!), followed by LinkedIn (23%). De Nationale Vacaturebank, Monsterboard.nl, and werk.nl are also popular choices. 

Take advantage of a recruitment company

If you want to make finding a job in the Netherlands a little easier, a recruitment company may just be your best bet. A good recruitment company, like Undutchables, can match you with the perfect job for your skills and experience. 

While you don’t have to speak Dutch when working in the Netherlands, it will be of huge benefit — both socially and in your Dutch career! 

Are you ready to find a job in the Netherlands and speak Dutch? (Klaar om een baan in Nederland te vinden en Nederlands te spreken?)

Succes! We’re rooting for you!

Are you working in the Netherlands? Do you find that you do, or don’t, need Dutch? Share your experiences in the comments below!

New Zealand’s namesake: how the Dutch named NZ

Freya Sawbridge
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New Zealand’s namesake: how the Dutch named NZ

Most people know New York was originally named New Amsterdam, but what about New Zealand? Was it originally Zealand before the Dutch arrived? Where does the name come from? 

Many of the answers to these questions can be found in the 17th century — the time of the Dutch East India Company, violent colonisation and Abel Tasman (you may know this as the Dutch Golden Age, but that’s a little misleading).

Dutch explorers: the first foreigners to reach New Zealand

Explorer Abel Tasman was the first European to discover the South Pacific land, later known as New Zealand and Tasmania.

Abel Tasman “discovered” (in the way that colonisers like to discover) New Zealand in 1642.

When he first sighted the land, he named it Staten Landt, believing it to be part of the land off the coast of Argentina, now known as Isla de los Estados.

When it was realised that New Zealand was not part of South America, the Dutch renamed it Nova Zeelandia in Latin and Nieuw Zeeland in Dutch.

Whalers, missionaries, and traders soon followed, but it wasn’t until 1840 that Britain claimed the islands and established New Zealand’s first permanent European settlement at Wellington.

Abel Tasman — who was he?

Abel Tasman was a Dutch seafarer, merchant and explorer who travelled as part of his services to the Dutch East India Company (VOC).

He originally hailed from a small village called Lutjegast, located in the province of Groningen. However, he later moved to Amsterdam to start his career at sea.

Tasman was born in 1603, but the first we ever hear of him is in 1631 when his name is mentioned in an Amsterdam newspaper announcing his engagement to his wife.

READ MORE | The Dutch East India Company was richer than Apple, Google and Facebook combined

He and his wife moved from Amsterdam to Batavia (modern-day Jakarta) in 1637 after he signed on for a further 10 years of service to the VOC.

Tasman set off on his first major voyage in 1642 and would go on to explore Mauritius and Tasmania. (Yes, the island’s current name would later be derived from Tasman’s!)

From Tasmania, the expedition would eventually find itself off the coast of modern-day New Zealand.

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Abel Tasman National Park. Image: Oren Rozen/Wikimedia Commons/CC3.0

The first meeting between the Dutch and the Maori

Tasman’s ship docked about seven kilometres off the coast of what is believed to have been Golden Bay. Four boats were sent to gather water for the crew, which led to the expedition’s first encounter with the Māori.

A double-hulled waka (Māori canoe) attacked one of the four boats. 🤺

Four crew members were beaten to death using clubs. The small boats quickly returned to the main ship, which was then approached by two wakas.

Depiction-of-Dutch-landing-at-Golden-Bay-in-new-zealand
A historical depiction of the Dutch arrival at Golden Bay. Image: Isaack Gilsemans/Wikimedia Commons/Public Domain.

Tasman wrote of the exchange in his diary:

“After our people had been on board about one glass, people in the two canoes began to call out to us in gruff, hollow voices,” Tasman recalled in his diary.

“We could not in the least understand any of it; however, when they called out again several times, we called back to them as a token answer. But they did not come nearer than a stone’s shot.”

“They also blew many times on an instrument, which produced a sound like the moors’ trumpets. We had one of our sailors (who could play somewhat on the trumpet) play some tunes to them in answer.”

Shots fired

The trumpet didn’t work.

Tasman’s ship began to retreat from the bay, and Tasman noted 22 wakas on the shore. Soon, 11 of the wakas set out for the ship.

The Dutchmen fired on the Māori, shooting one man holding a small white flag. The ship then left the bay.

READ MORE | The life of the slaves in the Dutch colonies

Archaeological research later discovered that the Dutch had likely tried to land in a rich agricultural area, which would have, understandably, alarmed the Māori and triggered a defensive attack.

The history of the Golden Age is not as golden as the name would have you believe, with the Dutch committing many atrocities against native peoples during this time.

Other Zeeland namesakes

The two major seafaring provinces of the Netherlands in its Golden Age were Holland and Zeeland.

The Dutch explorers originally named the largest landmass of Oceania and the two islands to the southeast, respectively Nieuw-Holland and Nieuw-Zeeland.

READ MORE | 8 carbon-copies of the Netherlands across the world

The former was eventually replaced by the name Australia, and Captain James Cook of Britain later Anglicised the latter name to New Zealand. After British settlers arrived in New Zealand, English became the main language.

New Zealand may have had a violent christening, but the name certainly stuck. In fact, it can be found all around the world.

Namesakes in the US

The city of Zeeland in the US state of Michigan was settled in 1847 by Dutchman Jannes van de Luyster and was incorporated in 1907. The city still maintains a distinctive Dutch flavour.

photo-of-new-york-with-the-statue-of-liberty-in-the-foreground-which-dutch-originally-settled
Say what you will about the Dutch, but they’re incredibly well–travelled. Image: DepositPhotos.com

Flushing, a neighbourhood within the borough of Queens, New York, is named after the city of Flushing (Vlissingen in Dutch) in Zeeland. The name dates from the colonial period of New Netherland, when New York was still known as New Amsterdam.

Zeeland, North Dakota is another town named for this province and whose earliest settlers were of Dutch heritage.

Other corners of the world

The Dutch colonies of Nieuw Walcheren and Nieuw Vlissingen, both on the Antillian island of Tobago, were named after parts of Zeeland.

The Canadian town of Zealand, New Brunswick was named after the Zeeland birthplace of Dutchman Philip Crouse, who settled in the area in 1789.

READ MORE | 7 places named by the Dutch (that you might not know about)

Paramaribo, the capital and largest city of Suriname has a Fort Zeelandia, the former Fort Willoughby during the British colonisation.

Fort Zeelandia was a fortress built by the Dutch East India Company from 1624 to 1634 in the town of Anping (Tainan) on the island of Formosa, present-day Taiwan, during their 38-year rule over the western part of the island.

A violent history, a lasting legacy

The history of New Zealand shows us that the Dutch Golden Age has certainly left its mark on the world, whether we like it or not.

Perhaps the least malignant of these legacies are place names. In fact, the Dutch are responsible for naming many areas of the world!

Did you know about New Zealand’s Dutch history? Tell us your thoughts in the comments below! 

This article was co-written by Freya Sawbridge and Sarah O’Leary.

What is a “broodje aap verhaal”? The Dutch expression you didn’t know you needed

Christine Stein Hededam 🇩🇰
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What is a “broodje aap verhaal”? The Dutch expression you didn’t know you needed

Do you have Dutch grandparents? Or had a Dutch nanny? Then maybe you were presented with a broodje aap verhaal as a kid. Or maybe your Dutchie friend fooled you with one recently — without you realising!

So, what exactly is this broodje aap verhaal?

Monkey-sandwich story?

Yup, you read that right! Broodje aap verhaal literally translates to “monkey-sandwich story.” But don’t fear, your oma, nanny, or that funny friend didn’t feed you monkey sandwiches. 😉

READ MORE | The top 16 free ways to learn Dutch

A better (or at least more accurate) translation is probably an old-wives tale or urban legend.

But why?

If a broodje aap verhaal really means an old-wives tale, why did the Dutch come up with “monkey sandwich story”? Trust us, we were a little lost at first, too.

However, like with many other quirky Dutch words or expressions (some of which aren’t even translatable!), we need to understand the origin of the term broodje aap verhaal to understand the translation.

The phrase originates from a, well, kinda gross (but thankfully untrue) story.

READ MORE | 11 gross things Dutch people do

Once upon a time, a truck was entering a hot dog factory when it collided with another truck. The back doors of the first truck opened in the collision, and a decapitated, skinned corpse fell on the street. Panic!

But, a plot twist: it wasn’t a human corpse that fell on the street. Instead, police found it was the body of a gorilla.

The hot dog factory was investigated and discovered to be filled with monkey and bear bodies that had been bought cheaply. Um… hot dog, anyone? 🌭🤢

It’s always bread-related

So, the Dutch term for an old wives’ tale essentially comes from a famous old wives’ tale!

It seems that the original broodje aap verhaal was meant to put children off junk food — served up as a sandwich, which probably wasn’t how they’d envisioned getting a monkey with their Happy Meal.

There are many more peculiar Dutch broodje aap verhalen floating around, but we’re hardly surprised that one of the most famous ones has to do with bread. It is the Netherlands, after all. 😆

Do you know any broodje-aap verhaalen? Or were you ever fooled by one? Tell us in the comments below!

Dutch police confiscate “skinny bike” that can reach 120 km/h from young boy

Sarah O'Leary 🇮🇪
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Dutch police confiscate “skinny bike” that can reach 120 km/h from young boy

Police in Enschede have taken to Instagram to show a “skinny bike” that they confiscated from a young boy. Except, it wasn’t even really a bike anymore. It had a throttle, and could reach speeds of 120 km/h.

For those who may be confused, a “skinny bike” is essentially fat bike manufacturers’ answer to potential legislation against fatbikes.

As the name suggests, it’s basically a fatbike, but skinnier.

Found among a group of youths

Enschede’s police write on Instagram that they found the bike when they approached a group of youths on fatbikes.

The city has introduced a ban on fatbikes in the centre during shop opening hours, however they didn’t say where exactly they encountered the youths.

According to police, one boy tried to flee, but was apprehended. When police looked at his bike, they saw just how deadly it was.

Instead of pedals, the “bike” now had a throttle. When police when to test just how fast the bike could go, it proved it can be just as speedy as a car on a motorway — minus, the safety of a bumper and airbags.

The bike was subsequently taken by police and will be destroyed, they write. The owner will also be receiving a hefty fine. Someone’s parents are not going to be happy.

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

Important financial dates in the Netherlands in 2026

Lyna Meyrer 🇱🇺
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Important financial dates in the Netherlands in 2026

Staying on top of important financial dates in the Netherlands is important for everyone — whether you’re a bright-eyed international or a born-and-raised Dutchie. 

Between tax deadlines, budget announcements, and wage adjustments, it’s handy to know what’s coming your way so you can plan ahead and avoid unwanted surprises. 

Here’s an overview of the key Dutch financial dates to keep in mind for 2026.

Healthy finances start with a good banking partner, like ING. As the biggest bank in the Netherlands, ING has you covered for everything: from savings accounts to insurance! 

What’s the key to enjoying your Dutch life to the fullest? Staying on top of your income and taxes. 

To do so, mark these dates down in your agenda. 👇 

January 1, 2026: Wealth tax calculation day

Each year, the Dutch tax authority (Belastingdienst) assesses your savings, investments and other assets to calculate your taxable wealth. 

This is done every year on January 1, and your wealth on that day determines how much Box 3 tax (vermogensrendementsheffing) you’ll pay the following year.

And if your financial situation changes later on in the year? Geen problem, it’s January 1 that counts, so plan ahead to help you manage your tax burden.

January-March 2026: Municipal tax bills arrive

During the first few months of the year, you’ll get some unwelcome mail: bills for services like trash collection, sewage, and your regional water authority. 

These can quickly add up to large sums, so it’s important to be prepared for the expense. For example, in Amsterdam, a single-person household can expect to pay:

The exact timing of these bills can vary by municipality, but they are generally sent out between January and March. 

Image-of-young-woman-receiving-municipal-bills-by-post
Sorry, it’s not a love letter. 👀 Image: Freepik

These taxes are unavoidable for most residents, but the good news is that they can often be paid in instalments. 

In some cases, lower-income households may be eligible to apply for a tax waiver, so it’s worth checking with your municipality to see if you fall in that category.

March 1, 2026: Income tax season begins

From March 1, 2026, anyone required to file an income tax return in the Netherlands (aangifte inkomstenbelasting) can start to file. 

Each year, you’ll file your taxes for the previous calendar year, so in 2026, you’ll file your 2025 income tax return.

Depending on your type of income, the Belastingdienst may provide a pre-filled return, making it easy-peasy. For freelancers and business owners, income tax season may be a little more complicated.

Either way, there are a few key dates to keep in mind here:

  • April 30, 2026: Deadline to submit your tax return if you want to receive your assessment before July 1.
  • May 1, 2026: Final deadline to submit your tax return without penalty, or
  • May 1, 2026: Deadline to request an extension if you need more time to file. This usually extends the deadline until September 1.

March 2026: Property value assessments

In March of each year, homeowners in the Netherlands receive an assessment of the value of their property, called a WOZ assessment, with WOZ standing for Waardering Onroerende Zaken (valuation of immovable property).

This estimated property value is used by the Belastingdienst to determine some of your taxes, including the income tax on homeownership.

Think your property has been overvalued? Then you have six weeks from the date you receive the assessment to file an objection. 

May or June 2026: Holiday pay is deposited

With summer around the corner, many employees in the Netherlands will get their vakantiegeld (holiday pay) paid out in May or June. 

Photo-of-Dutch-entrepreneur-couple-filing-quarterly-taxes-VAT
Time to book that trip! Image: Depositphotos

This extra payment is intended to help cover your vacation costs (yes, it’s amazing!). Holiday pay is accrued throughout the year and is typically 8% of your gross annual salary.

Not sure if you’ll receive holiday pay? Good news: All full-time employees automatically receive vakantiegeld, as it is a legal requirement for employers to pay it. 

Those who work part-time also receive vakantiegeld, but it may be included in their monthly salary instead of being paid as a separate payment.

Staying home and putting your vakantiegeld towards your savings? An ING savings account offers heaps of nifty features to help you reach your financial goals. 

Open your ING account today

July 1, 2026: Statutory holidays accrued last year expire

In the Netherlands, each employee is entitled to a minimum of four times their weekly working hours in statutory holidays each year. For example, if you work a 40-hour week, you’re entitled to at least 160 hours (20 days) of paid vacation.

However, all of these statutory holidays from the previous year must be used by July 1 of the following year. 

If you fail to use your statutory holidays by this time, they expire — and we don’t want that to happen now, do we? 

💡 Statutory vs non-statutory holidays: What’s the difference?

While statutory holidays (wettelijke vakantiedagen) are the minimum number of vacation days you are legally entitled to, non-statutory holidays (bovenwettelijke vakantiedagen) are extra vacation days granted by employers through contracts or collective labour agreements. These may have different expiration rules or can be paid out if unused. 

End of January, April, July, October: Quarterly VAT returns are due for ZZP’ers

Self-employed in the Netherlands (ZZP’er)? That means you have to file your BTW (VAT) return every quarter — a.k.a. report the VAT you’ve charged clients for your work and the VAT you’ve paid for your business expenses.

The deadline to report these is the last day of January, April, July, and October for the previous quarter. This means you file your Q4 VAT of the previous year in January, and so on.

One beautiful thing about the Netherlands is that the government can pay you allowances (toeslagen) to help cover certain costs.

Here are the important Dutch financial dates to keep in mind when it comes to these.

🤔 What are toeslagen in the Netherlands?

Toeslagen are government allowances to help residents cover essential costs. These include: 

  • zorgtoeslag (healthcare allowance), 
  • huurtoeslag (rent allowance), 
  • kinderopvangtoeslag (childcare allowance), and 
  • kindgebonden budget (child-related budget). 

Eligibility depends on factors like income, household composition, and living situation.

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Got kids in the Netherlands? You may be eligible for a childcare allowance! Image: Depositphotos

20th of each month: Healthcare, rent, and childcare allowances arrive

If you’re eligible for any kind of government allowances, you can expect these to be paid out to you on the 20th of each month. 

If the 20th falls on the weekend or a public holiday, your payment may be a few days early or late.

Before September: Deadline to retroactively apply for allowances

Were you eligible for a government allowance but did not apply for it? No worries, as you can retroactively apply to receive your allowances from the previous year.

When doing so, keep in mind the deadline of September 1. 

You can apply for healthcare, rent, and supplementary child benefits for a specific year until 1 September of the following year. For example, you can apply for benefits from 2025 until 1 September 2026.

Other important financial dates in the Netherlands

There’s more? Yup, but we’re almost at the end. Get your agendas out one last time for these important financial dates in the Netherlands.  

January 1 and July 1, 2026: Dutch minimum wage adjustments

Since 2024, the Netherlands no longer has fixed minimum monthly, weekly and daily wages. 

Instead, there is now one minimum hourly wage, adjusted twice yearly to keep up with inflation and the cost of living. 

The minimum hourly wage is indexed on January 1 and July 1 of each year. As of January 2026, the minimum hourly wages in the Netherlands are as follows:

AgeMinimum hourly wage
21 years and over€14.71
20 years€11.77
19 years€8.83
18 years€7.36
17 years€5.81
16 years€5.07
15 years€4.41

September 15, 2026: 2027 budget announced

September 15, 2026, is a special day in the Netherlands: it’s Prinsjesdag (Prince’s Day)! 

What’s that, you ask? It’s a ceremonial day when the Dutch government reveals the key plans for next year’s budget.

the-glazen-koets-glass-coach-carrying-the-dutch-royal-family-to-the-royal-theatre-on-prinsjesdag
Prinsjesdag consists of extravagant festivities. Image: Dreamstime

It is always celebrated on the third Tuesday in September, and can affect us common folk in two ways: 

  • Changes in taxes: The government may announce adjustments to income, sales, or property taxes that could impact your financial situation.
  • Social benefits: Any changes in allowances like healthcare, childcare, or rent subsidies may affect your monthly payments.

December 2026: Year-end bonuses (hoera!)

We’ve officially made it to the end of the year (and the article), and you know what that means: You deserve a bonus!

Year-end bonuses are typically given in December, often in the form of a so-called “thirteenth month”. 

However, whether or not you’ll receive one depends on your employer and your contract. While some companies automatically offer a bonus, often based on company performance or individual achievements, others may not provide one at all.

 The easiest way to find out what applies to you is by checking your employment contract.

happy-woman-with-smartphone-smiling-because-she-got-paid-back-instantly-with-ING
Ka-ching! Image: Freepik

December 31: Deadline to switch your Dutch health insurance

In the Netherlands, you can change your zorgverzekering (health insurance) once a year, and the deadline to do so is December 31.

If you want to switch providers or adjust your coverage for the next year, you must cancel your current policy by this date. After cancelling, you have until January 31 to choose a new insurer, but your new policy will be backdated to January 1 to ensure continuous coverage.

Why would you want to switch, you ask? Well, many people switch to get better coverage, lower premiums, or a policy that better fits their healthcare needs.

Health insurance options are endless in the Netherlands — so why not keep it all in one place and let ING handle it? Through ING, you can get insured with CZdirect, one of the largest health insurers in the Netherlands, with tens of thousands of contracted healthcare providers. 

From taxes to allowances and government budgeting, the Dutch year is full of important financial dates to keep in mind. Now that you’re in the know, you can rest assured knowing you won’t have any nasty surprises. ✨

What other financial dates do you keep in your agenda? Share them in the comments below.

9 things you need to know about Dutch health insurance as an international

Liana Risseeuw 🇱🇰
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9 things you need to know about Dutch health insurance as an international

Whether you’ve recently moved to the Netherlands or are considering a move in the near future, it’s only natural to have some questions about Dutch health insurance.

Between terms like eigen risico and zorgtoeslag, understanding the ins and outs of Dutch health insurance isn’t as simple as taking a stroll around Amsterdam’s Vondelpark.

We know the struggle, so we’ve compiled a list of things you need to know if you’re an international taking out Dutch health insurance.

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

1. You guessed it, health insurance is mandatory

Finding Dutch health insurance should be one of your top priorities if you’re planning on moving to the Netherlands.

international-students-in-the-netherlands-who-need-dutch-health-insurance-studying-in-a-cafe
Whether you need Dutch health insurance or not will likely depend on whether you’re an EU student. As such, it’s always best to refer to communication from your university or the IND. Image: Magnific

In addition to definitely making your life easier (and cheaper!), health insurance is obligatory if you’re living, working, or (in certain cases) studying in the Netherlands.

Let op! Some international students may need specific health insurance for their residence permits, whilst others may be able to use their home country’s travel insurance. Do remember to check your individual requirements before shelling out for Dutch health insurance.

READ MORE | Health insurance in the Netherlands for Americans: how it works

There are two main types of Dutch health insurance: basisvezekering (basic health insurance) and aanvullende verzekering (additional health insurance). 

Only the former is compulsory, but sometimes additional health insurance may be necessary to cover your specific needs (such as repatriation).

Good to know: Various providers offer comprehensive basisvezekering and aanvullende verzekering plans, such as Anderzorg. Others, like Univé, also allow you to compile “insurance packages” that cover more than just healthcare.

2. Got a European Health Insurance Card? Hoera, you don’t need Dutch health insurance (for now)

A European Health Insurance Card is a form of insurance coverage issued by the national health insurance providers of EU and EEA member states.

READ MORE | All you need to know about going to the hospital in the Netherlands

Anyone can apply for a card from their state insurance providers, as long as they are fully insured in their EU/EEA home countries.

photograph-of-a-doctor-wrapping-the-leg-of-a-patient-with-Dutch-health-insurance-up-in-gauze
If you have an EHIC, you needn’t shell out for basic Dutch health insurance while you study in or visit the Netherlands. Image: Magnific

This means that EHIC holders don’t need Dutch health insurance whilst they’re studying in or visiting the Netherlands as long as they remain insured in their home countries.

However, it’s important to note that an EHIC won’t cover all your medical needs; it will only cover as much as basic Dutch health insurance does. 

For any other medical treatments or specialists, you’ll need to take out additional health insurance.

Let op! EHIC is only intended to be a temporary measure. If you’re planning to live in the Netherlands for an indefinite period of time or start working here, then you will need to take out Dutch health insurance.

3. Dutch basic health insurance doesn’t cover dental, vision, and specialist care

While essential care like GP visits, hospital treatment, and specialist care (with a referral) are included, some things are not.

For example, adult dental care and routine vision costs like glasses or contact lenses aren’t covered by basic Dutch health insurance.

photograph-of-a-woman-doing-an-eye-test-with-an-optometrist
That appointment with an eye specialist? Yeah, that’s not going to be covered by basic Dutch health insurance. Image: Magnific

In addition to this, specialist care is only covered under basic insurance as long as you’ve been referred by your GP.

That means that you won’t have coverage for visits to a dermatologist, cardiologist, or ophthalmologist unless you’ve gone through your GP first.

If you’re anticipating regular dental or vision appointments, it’s always a good idea to take out additional healthcare insurance to have these services covered.

Good to know: Certain health insurance providers (such as Univé) also offer dedicated dental insurance packages.

4. Having no health insurance in the Netherlands may get you fined

With prices in the Netherlands increasing almost as fast as the rising sea levels around this flat, little country, it may seem like a savvy decision to do without healthcare insurance.

However, for every hundred euros you save in insurance fees, you draw ever closer to being handed a steep fine.

The CAK (Dutch Central Administration Office) is the national body that oversees healthcare costs — and they’ll come for you.

photograph-of-a-woman-stressed-out-about-getting-a-fine-for-not-taking-out-dutch-health-insurance
The easiest way to save money in the long run? Getting Dutch health insurance. Image: DepositPhotos.com

If you’re a resident of the Netherlands and you’re believed to be uninsured, the CAK will send you a stern letter advising that you get Dutch healthcare insurance. They will give you a grace period of three months to do so. 

If, after these three months, you still haven’t registered for insurance, you’ll have to pay a fine of several hundred euros.

Still no insurance? Well, then the fines will keep racking up, and the CAK will eventually assign insurance to you. 💸🥴

Let op! Dealing with the CAK tends to be incredibly slow and full of bureaucratic hurdles, so minimising your interactions with them is always a good idea. How can you do this? Get insurance! 

5. Deductibles can lower your monthly insurance premiums

Also known as your eigen risico (or “own risk”), these deductibles are the amount that you are required to pay out of pocket before your health insurance provider pays for your treatment.

As of 2026, the lowest deductible that you’ll be required to pay before your insurance kicks in is €385.

However, you can voluntarily raise your deductible by an amount between €100 and €500 in return for a discount on your monthly insurance premium.

photograph-of-a-woman-holding-her-phone-and-smiling-whilst-she-strolls-down-a-street
A higher eigen risico equals more money in your pocket… however, there’s a catch! Image: Magnific

While you’ll be saving money every month, it’s important to note that taking out a higher deductible increases the risk of paying a much larger sum of money further down the line.

A deductible of, say, €885 would entail that your insurance provider will ask you to pay €885 out of pocket after they’ve paid your bills. Pretty steep! 😳

6. Dutch health insurance will cover medical emergencies

If you’re picturing a steep medical bill after a sudden rush to the emergency room, we’re here to tell you not to worry.

Provided your emergency is, in fact, an emergency, your Dutch health insurance provider will be happy to foot most of the bill for whatever medical treatment you need. 

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Don’t worry about being left high and dry by insurance companies if a sudden emergency happens, as Dutch health insurance providers will be happy to foot most of the bill. Image: DepositPhotos.com

READ MORE | The ultimate guide to gynaecology, birth control, and check-ups in the Netherlands

This includes ambulance rides, hospital stays, surgery, and more, though you will need to pay the eigen risico (own risk) of the bill yourself. 

Tip: Maybe it’s nearing your due date, and you’re worried if your insurance will cover the costs associated with birth. Maak je geen zorgen (don’t worry), because those costs will be fully covered.

7. If you’re travelling within the EU, you’re still covered

Are you dreaming of a spontaneous city break or a sunny escape somewhere in Europe, but slightly worried about what happens if things go wrong? Fair enough.

The good news is that basic Dutch health insurance has you covered for medical care within the EU. So, if you end up needing treatment while abroad, you won’t be left footing the full bill.

photograph-of-a-train-driving-through-the-moselle-region-in-germany
Dying for a lovely weekend getaway but worried about something happening to you while you’re abroad? Dutch health insurance has your back, Jack! Image: DepositPhotos.com

However, there’s a small catch: you’ll only be reimbursed up to the Dutch rate for that treatment.

If healthcare is more expensive in the country you’re visiting, you might have to pay the difference yourself.

8. Dutch healthcare allowance protects those who can’t afford insurance

With the price of healthcare rising across the Netherlands, even health insurance isn’t cheap.

Thankfully, the Dutch government provides some relief in the form of a healthcare allowance.

READ MORE | Toeslagen: save money with these allowances in the Netherlands

The healthcare allowance (or zorgtoeslag) in the Netherlands is a monthly allowance that the government pays to everyone who earns below a certain threshold to help them pay for Dutch health insurance.

international-in-the-netherlands-staring-worriedly-at-health-insurance-bills
If you’re stressing out about being able to afford your health insurance bills, there’s a very welcome silver lining. 👇 Image: Magnific

Anyone can apply for zorgtoeslag as long as they:

  • Earn a gross amount below €41,000 per year (or €51,500 with a partner)
  • Have Dutch health insurance

9. Basic insurance may not cover serious mental healthcare

Whilst many people in the Netherlands struggle with their mental health, expats who are new to the country and don’t have an existing support network are especially susceptible.

Even worse? They’ll need to contend with the maze that is the Dutch healthcare insurance bureaucracy to receive treatment from a psychologist, counsellor, or psychiatrist.

READ MORE | Why expats struggle with mental health in the Netherlands — and what you can do about it

While the Dutch government states that health insurance providers are required to pay for a large chunk (if not all) of your mental health treatments, the reality is that coverage may vary wildly with your insurance provider and their policy.

girl-writing-in-a-notebook-figuring-out-what-Dutch-health-insurance-she-needs
For serious mental healthcare needs, you’re likely going to need to take out additional health insurance. Image: DepositPhotos.com

It’s worth noting that most Dutch health insurance providers will only cover mental healthcare if you’ve been referred to a psychologist via your general practitioner (GP). 

Some insurance providers may even have a cap on the number of sessions that they’ll cover.

However, there’s a light in the darkness: health insurance add-ons. These ensure that your mental healthcare needs are taken care of, even if your basic Dutch health insurance leaves you hanging.

Tip: Several mental healthcare websites have sections where you can include the name of your insurance provider and policy. This will let you know whether or not you’ll be covered under your insurance.

Even though health insurance in the Netherlands can be a complex beast to wrap your head around, being fully insured will protect you from both bodily and financial harm.

Let’s just say that there’s definitely a reason why the Netherlands has some of the best healthcare in the world! 😉

How does Dutch health insurance differ from health insurance in your country? Tell us all about it in the comments below!

Deadly crash kills two, leaves several injured on Dutch A59 motorway amid farmers’ protest

Liana Risseeuw 🇱🇰
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Deadly crash kills two, leaves several injured on Dutch A59 motorway amid farmers’ protest

Two motorists were killed, and several others were injured in a crash on the A59 motorway near Heesch this morning.

At least four cars were involved in the collision, police confirm. While reports state that farmers driving slow-moving tractors to a protest contributed to a traffic jam, it’s uncertain how the deadly collision occurred.

According to a Rijkswaterstaat post on X, the “A59 towards Den Bosch is closed between junction Paalgraven and Nuland”, with multiple emergency services at the scene. It’s not yet known how many people are injured.

Here’s what we know

While facts are scarce at this stage, it’s been confirmed that the crash happened at the rear of the existing traffic jam, where fast-moving cars ran into traffic that had already stopped.

As NOS reports, a queue of vehicles had built up, as a large number of slow-moving tractors were on their way to Den Bosch.

At least one person is still trapped in their vehicle, Omroep Brabant writes, and traffic is currently being diverted. According to ANWB, commuters who usually take the A59 must now use the A2 or A50.

Why were tractors on the motorway at all?

In general, tractors aren’t allowed on Dutch motorways. However, both the police and the Public Prosecution Service had indicated that farmers wouldn’t be prevented from driving on the A59, due to their right to demonstrate.

The farmers involved in the incident were on their way to the provincial government building in Den Bosch, where councillors were debating a plan to withdraw the permits of five poultry farms.

Police were reticent to confirm whether the tractors played a part in the collision; “it is far too early to draw any conclusions from that”, they tell reporters at NOS.

In a post on X, Brabant police clarified that an investigation into the crash is currently ongoing. Anyone with information on the crash is invited to contact the authorities on 0900-8844.

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Travelling outside the EU with a Dutch SIM: what does it really cost?

Liana Risseeuw 🇱🇰
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Travelling outside the EU with a Dutch SIM: what does it really cost?

While your Dutch SIM card will work almost anywhere in the world, data roaming costs can be eye-wateringly steep.

Here’s what your Dutch SIM actually costs beyond Europe’s borders, and how to make sure you’re not caught off guard by unexpected charges.

Do Dutch SIM cards actually work outside the EU?

Yes, in most cases, your Dutch SIM will connect to the local network in most countries without any extra setup. If your provider has a roaming agreement with a carrier at your destination, your phone will find a signal automatically.

That covers the vast majority of popular travel destinations, including the US, UK, Australia, and beyond.

The moment you land, your phone will pick up a signal through your provider’s international roaming partners, and you’ll be able to make calls, send messages, and use data just as you would at home.

The catch, of course, is what that costs.

The EU’s Roam Like at Home policy means that when you travel to any of the 27 EU member states, you can use your mobile phone without paying any extra roaming charges.

Outside the EU, that protection disappears entirely. Without a bundle, mobile data abroad can cost as much as €5 per MB, with some providers charging even more.

tourist-with-dutch-sim-card-using-roaming-data-to-navigate-with-google-maps
If you need data to use Google Maps, most providers offer data roaming. However, it’ll cost you! Image: Magnific

Which countries are not included in EU roaming?

While the European Union’s “Roam Like at Home” policy has made travelling within the continent a breeze, the boundaries of where your Dutch bundle actually works are more restricted than many realise.

Essentially, any country that is not an official member of the EU or the European Economic Area falls into a high-cost category.

To manage these costs, Dutch providers typically categorise the world into four distinct tiers known as roaming zones:

  • Zone 1: This applies to the EU, along with Iceland, Liechtenstein, and Norway. As of 2026, many providers also include Ukraine and Moldova. You can use your Dutch mobile bundle here at no extra cost.
  • Zone 2: This tier includes major travel hubs (like the United States and Canada) and countries bordering the EU (like Turkey). Without a bundle, costs here take a sharp jump; for instance, many providers charge around €1.25 to €1.50 per minute for calls and roughly €2.50 per MB for data.
  • Zone 3: This represents the rest of the world, and covers the vast majority of Asia, Africa, and South America. Outgoing calls can soar to €2.50 per minute or more, and data prices may even hit €5.00 per MB.
  • Zone 4: This zone applies whenever you connect to a satellite network on a cruise ship, ferry, or aeroplane. These connections are the most expensive, with data rates reaching €10.00 to €15.00 per MB and calls costing upwards of €7.00 per minute.

Travelling outside the EU? Simyo offers bundles for some of the most popular destinations outside Europe, including Canada, the US, Turkey, and the Caribbean Kingdom.

For existing customers, activating a bundle is simple: you just send an SMS with the country name and bundle size to 1330.

Sign up with Simyo

How much do Dutch providers charge for data roaming?

To absolutely no one’s surprise, data roaming can be quite pricey.

Most major Dutch providers charge somewhere between €2.50 and €7.50 per MB of data outside the EU — and that upper end applies far more often than you’d hope.

For example, KPN’s standard out-of-bundle rate is €2.50 per MB in most non-EU countries, rising to €7.50 per MB in certain destinations across Africa, South Asia, and parts of the Americas.

friends-navigating-around-city-centre-via-their-dutch-sim-with-out-of-bundle-data-costs
Your out-of-bundle rates will generally range from €2.50 and €7.50 per MB out of the EU. Image: Magnific

Vodafone follows the same structure, with €2.50 per MB for most “World” destinations, and €7.50 per MB in their higher-cost “Exceptions” zone.

Meanwhile, Simyo’s standard non-EU rate sits right in the middle of that range, at €5 per MB.

To put these costs into perspective, let’s assume you’re using data roaming to load Google Maps. A quick 5 MB navigation session might seem harmless, but at the €7.50-per-MB tier, you’re looking at a €37.50 bill.

Roaming costs explained: what you actually pay outside the EU

To understand why your bill can skyrocket so quickly, you have to look at the breakdown of how data, SMS charges, and call minutes are consumed.

When you step outside Zone 1, you are typically billed on a pay-per-use basis unless you have specifically activated a bundle.

Mobile data costs

These tend to make up the bulk of your roaming charges, and the danger isn’t just the data you’re actively consuming.

Background usage, such as automatic updates and location services, can lead to unexpected charges. Your phone doesn’t know (or care) that each megabyte is costing you money.

person-using-public-transport-app-while-scrolling-on-phone-with-dutch-sim-and-data-roaming-activated
Mobile data costs make up a huge chunk of overall roaming fees. Image: Depositphotos

Calls and SMS charges

Of course, data isn’t the only way to rack up a hefty mobile bill.

When you’re outside the EU, you’ll also be charged for:

  • Outgoing calls: For Zone 2 countries, you can expect to pay between €1.25 and €1.50 per minute. If you are in Zone 3, these costs often spike to €2.50 per minute. In extreme cases, such as calling from a cruise ship or aeroplane, rates can even reach €4.50 to €7.00 per minute.
  • Incoming calls: Unlike in the EU, you pay to receive a call. If a telemarketer calls you while you’re in Thailand, and you make the mistake of picking up, you’re the one paying the international roaming fee for the privilege of talking to them.
  • Voicemails: This is possibly the sneakiest charge of all, as you may not even be aware that you’re being charged. If someone calls you and it goes to voicemail, you are often charged for the “international leg” of the call twice; once for the call travelling to your phone abroad, and once for it being sent back to the Dutch voicemail server.

Simyo’s buitenlandbundels are designed with exactly this kind of stress in mind. Once your data runs out, your internet is automatically blocked, so you’ll never accidentally rack up charges beyond what you’ve paid for. Learn more.

Roaming bundles vs travel eSIMs: which is best for you?

Both options are significantly better than paying steep out-of-bundle costs, but they suit quite different situations.

Roaming bundles tend to be a solid option for people who want to keep their Dutch number active. This is crucial for receiving SMS verification codes (2FA), messages from your bank and tax office, or staying reachable for emergencies.

woman-on-holoday-scrolls-mobile-phone-while-enjoying-iced-coffee-thanks-to-her-dutch-data-roaming-bundle
Travel eSIMs tend to be the more economical choice, but they may not provide you with a local mobile number. Image: Magnific

However, roaming bundles may not be available for all destinations, and can be much pricier than travel eSIMs.

If you’re a tourist or heavy data user, travel eSIMs are generally the better choice. Depending on the provider, you have a choice between country-specific or regional plans, and data limits tend to be on the high end.

Helaas, most travel eSIMs come with “data-only” profiles, so you won’t have access to a local number or be able to make traditional calls.

Here’s how to avoid a massive phone bill abroad

While the thought of a hefty roaming bill is scary, it’s not a given, and there are ways to avoid unnecessary charges.

1. Turn off data roaming when it’s not in use

This might sound like an obvious choice, but you’d be surprised at how easy it is to overlook while you’re travelling.

The simplest solution is to go into your mobile settings before you leave the Netherlands and switch your data roaming off. You can always briefly turn it back on if and when you need it.

2. Opt for a data cap

Most Dutch providers let you set a personal data cap or spending limit through their app, and it’s worth doing this before you travel. These typically cost around €0.50 to €1.

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If you haven’t got the time to constantly check your data usage, then a data cap is a wise choice. Image: Magnific

Without one, out-of-bundle charges beyond the EU rack up quickly, and there’s no mandated cut-off at €50 the way there is within Europe.

3. Rely on public Wi-Fi when available

Wi-Fi hotspots are your best friend outside the EU, with most hotels, cafés, airports, and public transport networks offering free access.

If you’re travelling between hotspots, download offline maps before you travel, cache your playlists, and save anything you might need to access without a connection.

4. Consider a travel eSIM

If you want mobile data without the hefty price tag that a roaming bundle usually comes with, then opt for a travel eSIM.

With a dual SIM phone, you can keep your own SIM active for calls and verification codes while the eSIM handles everything else. Setup takes a few minutes at home before you fly, and prices are a fraction of out-of-bundle roaming rates.

Has your Dutch SIM ever given you a nasty surprise outside the EU? Share your experience, and any tips you’ve picked up, in the comments below.

Studying in the Netherlands? Here are 9 things you need to set up

Ellen Ranebo
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Studying in the Netherlands? Here are 9 things you need to set up

So you’ve just arrived on Dutch soil, suitcase in hand, ready to study in the Netherlands. You may have some questions about what to do first — but fear not! Here are seven main things you need to set up once you arrive. 

“Should I buy a Dutch SIM card? How do I get health insurance? How do I even go about paying rent, for that matter?” — I’ve been through it all; let’s walk through it. 

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

1. Utilities for your apartment

One thing we know for certain is that at some point, you’ll come home after a long day of lectures and want a relaxing, steaming hot shower. 

You’re also probably going to crave a warm mug full of something or other. ☕️

international-student-in-the-netherlands-filling-up-mug-with-coffee-after-setting-up-his-utilities-in-the-netherlands
You’ll need those utilities to get your coffee break while studying! Image: Freepik

But imagine if the shower head’s water was freezing cold and the kettle refused to switch on because you forgot to arrange heating and electricity? 😱

READ MORE | Utilities in the Netherlands: the ultimate guide to gas, electricity, and water

This can be an issue that you’ll face if you have an exclusive rental contract (utilities not included in your rent) or have bought your own home. 

If so, you’d better sort out those utilities the second you arrive in your new home!

2. A Dutch bank account

Once in the Netherlands, you’re going to want some basic amenities. You know, food? A roof over your head? Clothes and IKEA furniture? You might even want to get a job upon your arrival. 

However, you may quickly realise that your foreign card doesn’t work for many transactions. That’s why opening a Dutch bank account pronto makes your life and daily interactions much smoother.

To set up a Dutch bank account, you can either make an appointment online or simply rock up to a bank with the following items in your possession:

  • A BSN
  • Proof of address (such as a signed tenancy contract)
  • A residence permit if you’re not from the EU
  • A valid ID 

The Netherlands has many international-friendly banks and financial platforms like Trade Republic. We find the latter especially handy if you want a Dutch IBAN, but would like access to high interest rates and stress-free savings options.

Once that is done, the bank will send you a shiny new pinpas (bank card) that’s ready for you to start swiping. 💳✨

3. Internet and television

There will be times when, after a long day of classes, studying, and socialising, all you want to do is kick back your feet, turn on the telly (or Netflix), and chill. 

READ MORE | Video streaming services in the Netherlands: the complete guide

What do you need to do so? You guessed it, a good internet and television connection! Just like with your utilities, you will usually have to find providers of your own accord.

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Movie night, anyone? 🍿 Image: DepositPhotos.com

The good news is that these two services are often offered as part of a package deal, meaning you pay a flat monthly fee, and in return, you get both working WiFi and television.

Don’t need a TV connection? Geen probleem, you can also opt for an internet-only subscription.

READ MORE | Fibre optics in the Netherlands: Getting the fastest internet in Amsterdam and beyond

From Ziggo to Odido to KPN, there are countless great providers out there, as well as various tools that let you compare prices, internet speed, and available television channels. Happy deal-hunting!

4. All the important insurances

Sh*t happens, even in the magical country of windmills, canals, and stroopwafels. 

The best way to be prepared for bad scenarios is by setting up essential insurances as soon as you arrive in the Netherlands. 

visiting-the-dentist-in-the-netherlands-with-health-insurance-as-an-international-student.
Visiting a doctor in the Netherlands? Make sure you’ve got your health insurance sorted! Image: DutchReview

Most importantly, you should consider getting health insurance, liability insurance, and home contents insurance.

  • Health insurance ensures that you have access to necessary healthcare services and provides financial coverage for your medical expenses in the Netherlands.
  • Liability insurance protects you in situations where you could be held responsible for injury or property damage. 
  • Home contents insurance is vital for your personal belongings and valuables. It provides coverage against theft, fire, or other unexpected events.

Good to know: While health insurance is mandatory in the Netherlands, only some international students will be required to take out Dutch health insurance. EU students, for example, will usually be fine with their European health insurance cards.

READ MORE | 9 things you need to know about Dutch health insurance as an international

According to Dutch law, you must take out Dutch health insurance if:

  • You are a permanent resident of the Netherlands (students are generally considered “temporary residents”)
  • You are working alongside your studies (this includes paid internships and volunteer work!) 

5. A Dutch phone plan

First things first, we would recommend getting your hands on a local phone number by purchasing a SIM card at one of the many Dutch stores available — Albert Heijn is one of them! 

READ MORE | Mobile phones and SIM cards in the Netherlands: the ultimate guide

Depending on how often you call and use mobile data, you can pick and choose which Dutch phone subscription best suits you. 

photograph-of-a-young-woman-sitting-in-her-kitchen-and-talking-on-her-phone-after-setting-up-phone-contract-when-moving-to-the-Netherlands
Remember, you’re probably not going to want to make a long-distance phone call every time you need to contact your landlord. Image: Magnific

The options are endless, but here are some of the more popular providers in the Netherlands: 

  • Simyo for sheer affordability and great customer service
  • KPN for an expansive, reliable network and unlimited data
  • Odido for some of the fastest mobile internet speeds in the Netherlands
  • Vodafone for excellent coverage, even in rural areas

6. A social life

Take it from me: moving to a new country as an international student can be tough. You have no family around you, no friends, and often you don’t even speak the local language. 

That’s why one of the most important things to set up as an international student in the Netherlands is a supportive social circle.

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Good friends can make everything a blast! Image: Magnific

Making friends isn’t always easy, but these are some of my top tips for making friends as an international student: 

  • Sign up for your university’s orientation week (I met some of my best friends there!)
  • Take a class — be it in a sport, pottery, painting, or cooking
  • Join Facebook groups for international students
  • Attend events planned by your university or student associations, such as ESN
  • Interact with your neighbours and the people in your course

7. Your Burgerservicenummer (BSN)

To set up all of the most important services and utilities listed above, you’ll usually be asked to provide your Burgerservicenummer (BSN). 

A BSN, which translates to “citizen service number” in English, is a number that helps the government process your personal data. 

woman-studying-in-the-netherlands-holding-new-letter-containing-BSN-out-of-her-letterbox
Imagine how happy you’ll feel when you get that BSN in the mail a few days after the appointment! Image: Freepik

Without this unique, personal sequence of numbers, identifying yourself for your healthcare provider, educational institution, bank, and employer is damn near impossible.  

To get yours, you must book an in-person appointment to register at the municipality where you will be living for the next four or more months. 

8. Your DigiD

Next up, to log in and out of all the various bureaucratic databases, you’ll need to set up your own DigiD. 

In short, DigiD helps you verify your identity when you log in to online portals. Think of it as the ID card that you virtually flash at a virtual bouncer — you’ll be needing it a lot. 

READ MORE | The ultimate guide to setting up your DigiD in the Netherlands 2026

Want to log in to your healthcare website? DigiD required. Got to pay your taxes? DigiD alert. Need to access literally anything government-related? Bam! DigiD.  

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See that screen? You’ll notice it pops up when you want to log in to most government portals. Image: DutchReview

You can register for a DigiD using the online DigiD application form. You must provide your BSN, the address you’re formally registered at, as well as your phone number. 

Once you’ve submitted the form, you should receive a letter at your address containing an activation code within three business days. Once you have input this code, your DigiD should be up and running! 

9. Any government allowances you’re eligible for

In the Netherlands, international students are actually eligible for several different Dutch allowances (called toeslagen). 

If you’re eligible, the government will help you pay for some of your most vital monthly expenses, such as healthcare, rent, and child-related expenses. 

Benefits you can claim from the Dutch government as an international student include:

Depending on your situation, you may also be able to claim Dutch student finance, which gets you free public transport and makes you eligible to borrow money from the government.

To access these benefits, be sure to log on to the Mijntoeslagen portal using — you guessed it — that DigiD of yours!

While moving to the Netherlands to study can be both exciting and nerve-wracking, there are plenty of people and services ready to help out as you traverse these cheese-filled lands. Go forth and conquer!  

Do you have any other advice for students who have just arrived in the Netherlands? Share your tips in the comments below!   

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

Liana Risseeuw 🇱🇰
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Do I need a Dutch IBAN to get paid in the Netherlands?

Gefeliciteerd, you’ve landed a job in the Netherlands! But before you celebrate that coming paycheck, there’s one important question: can your employer actually pay you without a Dutch bank account?

Let’s break down what an IBAN is, what it does, and whether you really need one if you’re working in the Netherlands. 👇

What is an IBAN, and why do you need one in the Netherlands?

An IBAN (or International Bank Account Number) is a standardised code that identifies your bank account.

You can think of it as your bank account’s passport: an essential part of sending and receiving money in the Netherlands. It’s necessary for transactions like direct debit, international money transfers, and even some domestic transfers.

If you use a banking app, your IBAN will be a string of alphanumeric code linked to your account. Typically, your IBAN will have 18 characters, which include:

  • your country code (such as NL for the Netherlands),
  • two check digits (which help validate your IBAN),
  • your four-letter bank code (such as INGB for ING, RABO for Rabobank, and ABNA for ABN AMRO), and
  • your ten-digit account number.
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Not sure where to find your IBAN? It’ll typically be in your mobile banking app. Image: Freepik

Here’s what a typical Dutch IBAN might look like: NL42 ABCD 2468 1236 94. While these are generally written in blocks of text for ease of reading, you’ll need to input your IBAN as a continuous string of characters, with no spaces.

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Can you get paid with a foreign IBAN?

According to European regulations, companies shouldn’t discriminate against EU IBANs. However, in practice, many employers in the Netherlands will strongly prefer (or outright require) a Dutch bank account.

But why exactly are employers in the Netherlands hesitant about dealing with non-Dutch IBANs? A multitude of factors affect the ease of dealing with foreign bank accounts.

The most common complaints include:

  • Extra costs, as international transactions often come with transfer fees and (often) a currency exchange markup.
  • Processing delays may result in your salary taking much longer to arrive. Needless to say, this isn’t ideal when you’ve got rent to pay and groceries to buy.
  • Administrative headaches, because certain payroll systems are set up to work with Dutch IBANs only.

Here’s why a Dutch IBAN is much easier

Some Dutch companies have strict policies requiring employees to have Dutch bank accounts. This is largely for their own security, as they want to ensure that payments go through verified, local accounts.

To ensure that you’re paid promptly (and don’t incur any processing fees or transfer costs), having a Dutch IBAN is essential.

coworkers-at-dutch-company-typing-on-laptop-getting-paid-quickly-with-their-dutch-bans
With a Dutch IBAN, you can ensure prompt payment (which is ideal if you’ve got rent to pay and groceries to buy). Image: Freepik

Meanwhile, if you’re expecting a tax refund from the Belastingdienst (Dutch Tax Authority) or applying for benefits like zorgtoeslag (healthcare allowance), the process is far less of a headache with a local IBAN.

Beyond collecting your paycheck and paying your taxes, you’ll likely need a Dutch IBAN for everyday expenses and utilities.

This is because certain public transport services may not accept foreign bank cards, rental agreements may require a local bank account, and some direct debit systems require a Dutch IBAN.

All in all, if you’ll be living and working in the Netherlands, a Dutch IBAN will probably make your life much easier.

Have you managed to survive in the Netherlands with a foreign IBAN? Share your experience in the comments below.

This article was sponsored by ING and written by DutchReview. 

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