This 21-year-old has just become the first Dutchman to win the Cooper’s Hill Cheese-Rolling race in Gloucester, England, infamous for being one of the world’s most unhinged sporting events.
Niels Wennemars, son of former speed skater Erben Wennemars and brother of current speed skater Joep Wennemars, spotted the event on his social media feed and decided to go for it.
His reasoning, of course, is typisch Nederlands: “We are the land of cheese, after all.”
What even is cheese rolling?
Helaas, there’s no witty wordplay here, and cheese rolling is exactly what it sounds like.
Every year on the spring bank holiday, competitors hurl themselves down a brutally steep hill in pursuit of a rolling wheel of Double Gloucester cheese. The first person to reach the bottom wins and gets to take the cheese home.
Given that the cheese is a circular object rolling downhill, it often reaches speeds that make catching it essentially impossible.
The event dates back to 1836, according to the BBC, and was never really “official” in any formal sense, but has exploded in global popularity in recent years.
(In a large part, thanks to the kind of chaotic, spectacular footage that thrives on social media. See Exhibit A below!)
“I’m a god here”
Wennemars says he went in with an actual strategy, which is more than most entrants can claim.
“Everyone starts fast, but then halfway, they can no longer keep up with their upper body using their legs,” he tells NOS. “If you maintain a certain pace over the entire hill, you stay upright as long as possible.”
He also credits his athletic background and, in his own words, the fact that he’s “not easily scared.”
Well, whatever it is, it clearly worked. Wennemars crossed the finish line with a somersault and was promptly met with the kind of local celebrity treatment that only a cheese-rolling champion can receive.
“I’m a god here!” he exclaimed, with a laugh. “I’ve already had my picture taken with people 200 times, without exaggeration. And when I walk around with this cheese, I get free drinks everywhere.”
The cheese is coming home
Wennemars’ prize (a wheel of Double Gloucester) is now heading back to the Netherlands with him.
“It is perfect, exactly how I like it,” Wennemars tells NOS. “And it is quite big, so I would like to share it with family and friends.”
And Wennemars wasn’t the only winner on the day. The men’s category has several races, and German competitor Tom Kopke (a multi-year champion) also took a win in the men’s category.
Amsterdam is the second most liveable city in the world for expats, according to a new index that ranked 35 cities on everything from air quality to how welcoming locals actually are.
The ranking comes from Global Citizen Solutions, a global mobility consultancy whose team assessed cities on a variety of factors. These include cost of living, personal safety, air quality, healthcare quality, English proficiency, ease of settling in, and passport mobility.
The index evaluated 35 major cities worldwide, including Melbourne (3rd), Vienna (4th), Barcelona (5th), Singapore (6th), and Tokyo (8th).
Here’s why Amsterdam scores so well
It’s worth noting that the index doesn’t reward cities that excel in just one area; the highest-ranked entries are real all-rounders.
Amsterdam fits that profile well, earning high marks for safety, healthcare, and air quality, with the highest English proficiency score among all European cities in the ranking.
The city also earns some well-deserved praise for its car-free lifestyle. According to research cited in the ranking, walking, cycling, and public transport accounted for roughly 72–77% of all trips in Amsterdam between 2015 and 2022.
No city in the top ten is without its drawbacks, and Amsterdam is no exception. In particular, the index flags two main weaknesses: cost and social integration.
Amsterdam is one of the most expensive cities in the ranking, a fact that’s utterly unsurprising to anyone who’s recently checked Pararius or Funda.
And, as anyone who’s moved to Amsterdam can attest, making genuine local friends takes time. It’s for this reason that the city’s ease-of-settling-in score sits on the lower end among the top ten cities.
Where does your city rank?
While Amsterdam may have seized #2, it’s definitely in good company. Here’s the full top ten:
🏆 Ranking
📍 City
1
Lisbon, Portugal
2
Amsterdam, Netherlands
3
Melbourne, Australia
4
Vienna, Austria
5
Barcelona, Spain
6
Singapore
7
Auckland, New Zealand
8
Tokyo, Japan
9
Copenhagen, Denmark
10
Seoul, South Korea
For expats choosing where to settle, the index puts it plainly: the right city depends on your priorities.
A family that wants English-language access and institutional stability might look at Amsterdam, Melbourne, or Singapore. Meanwhile, someone chasing affordability might find Bangkok or Tbilisi a better fit.
Does Amsterdam’s second-place ranking match your experience of living here? Let us know in the comments.
When you first move to the Netherlands, there are a million and one things to sort out, so it’s understandable if your Dutch pension isn’t at the forefront of your mind.
However, what many internationals in the Netherlands don’t realise is that there are some steps you should be taking to set yourself up for retirement.
In the Netherlands, supplementing your Dutch pension throughout your working life is completely normal — and you should do this, too.
Why and how? To understand this, you first need to know how pensions in the Netherlands work.
We teamed up with Brand New Day to bring you this article. They offer private retirement accounts where their clients can save or invest — all with tax benefits.
Disclaimer: Investing involves risks. You may lose (part of) your investment. Returns are not guaranteed.
This post might have affiliate links that help us write the articles you love, at no extra cost to you. Read our statement.
The Dutch pension system: a brief breakdown
There are three different ways for you to build a pension in the Netherlands. These are referred to as the three pillars:
The first pillar: the AOW
The AOW or Algemene Ouderdomswet (National Old Age Pension Act) is a basic pension provided by the Dutch government to anyone who lives and works in the Netherlands (including internationals!)
Yes, you can build up an AOW pension, even as an international — but there’s a catch. Image: Freepik
Once you live in the Netherlands and pay income tax, you will automatically start building up an AOW pension if you are 50 years old before your pension age (AOW age). In the Netherlands, this is currently 67 years old.
However, you will only build up an AOW pension while living in the Netherlands.
For example: If you moved to the Netherlands at 27 and stayed here until you reached your pension age of 67, then the years you missed between the ages of 17 (50 years before your pension age) and 27 will not be covered by the AOW.
You build up 2% of your AOW during these years. This means that, since you lived in another country for 10 years of the 50 years before your AOW age, you would lose out on 20% of your AOW pension.
This would also be the case if you were to leave the Netherlands for another couple of years at some point. You would lose 2% of your AOW pension for every year you are not living and working in the Netherlands.
It’s also worth noting that the amount provided by the AOW is linked to minimum wage, which means it often isn’t enough for you to retire on.
In fact, most people in the Netherlands supplement this state pension.
The second pillar: an employee pension
One way that people supplement their pension in the Netherlands is through their employer.
While some employers in the Netherlands contribute to a retirement fund for their employees, not all do.
Not everyone in the Netherlands builds up a pension through their employer. Image: Freepik
650,000 people who build up retirement through their employer, but it would not be enough to continue their current lifestyle
This is where the current pillar comes in.
The third pillar: a personal pension account
While the AOW and an employee pension will certainly help build your pension, there’s a big chance you will need to supplement them if you want to receive a pension that will cover your cost of living when you’re older.
In the Netherlands, people usually do this by opening a private pension account where they can put money towards their retirement.
Brand New Day offers investment accounts specifically for retirement. Image: Freepik
So, how can you do this? That’s where services such as those offered by Brand New Day come in.
By offering private pension accounts to internationals in the Netherlands, Brand New Day allows you to save or invest money for your retirement.
Why should I open a private retirement account in the Netherlands?
As an international in the Netherlands, you likely benefit less from the first two pillars compared to Dutch nationals. This is because you haven’t always lived in the Netherlands — and you may even move away again at some point.
That’s why you can supplement your Dutch pensions and allow your money to accrue value over time.
Also, you get some of your money back
Fun fact: in the Netherlands, when you invest or save money in a private retirement account, you actually get some of that money back once you file your taxes the following year. This is because you can deduct the amount from your taxable income.
How much are we talking? It depends on which tax bracket you fall into, but it can be either 36% or a whopping 49% of the amount!
Here’s how it breaks down in 2026:
Lower earners (income up to €38,098): Get back approximately 36%
Middle earners (income between €38,098 and €76,817): Get back approximately 37%
Higher earners (income above €76,817): Get back approximately 49%
For example: Let’s say you put €1,000 into a retirement account with Brand New Day this year. Once you file your income tax next year, you could get back anywhere from €360 to €490, depending on your income level.
This Example is for illustrative purposes; your outcome may differ. Check current rules with the Belastingdienst.
However, it’s worth noting that this only applies as long as the amount you are putting into your private pension account falls within your jaarruimte or “annual space.”
Your jaarruimte is the maximum amount you can put into a private pension account while still being eligible for this tax benefit.
Everyone has a certain jaarruimte determined by your income and other factors, such as whether your employer is contributing to your pension.
For example, according to Brand New Day’s Jaarruimte calculator, my annual space is €6,000. This means that I can put up to €6,000 into a private pension account and receive a percentage back.
Why should I use Brand New Day to supplement my Dutch pension?
So, are you ready to supplement your Dutch pension? Let’s talk about why you should consider opening an investment or savings account with Brand New Day.
There are fewer risks due to index investing
There are times when you have to take risks in life, but when it comes to your retirement, play it safe. This is why Brand New Day offers index investing.
What this means is that they will spread out the way your money is invested.
Instead of taking the risk of investing it all in a handful of specific companies, your money will be spread across the entire market, reducing your risk of losing it all.
Fun fact: You will get some of the money you invest in your pension back. Image: Freepik
Brand New Day lets you choose from different risk models and portfolios; however, the core of their investing strategy is passive index investing.
This means that Brand New Day offers investment portfolios that mirror stock market indexes. In doing this, your money is invested in a variety of companies over a long period of time, making it a low-risk way for your investment to accrue value.
Not sure what to do? You can also simply arrange a call with one of Brand New Day’s retirement experts.
Want to invest in strictly green companies? Brand New Day offers low-emission investment portfolios — although it’s worth noting that all their investment portfolios steer clear of any companies involved in child labour, controversial weapons and tobacco.
Not interested in investing? Geen probleem, just save
Who said you have to invest money to supplement your pension? After all, you may just want somewhere to put your money and allow it to grow in value through a great interest rate.
Brand New Day also offers retirement savings accounts with variable interest rates to help your money gain value over time.
These accounts work the same as their retirement investing accounts, except that instead of building your money through market gains, your savings grow by building interest.
You can choose between variable or fixed interest rates.
Note: Unlike other savings accounts, retirement savings accounts are not freely withdrawable. The rules of the game dictate you cannot withdraw your money early (there are a few exceptions) without losing your tax benefits and possibly a small penalty (depending on circumstances).
Brand New Day helps you avoid a bureaucratic nightmare
After living in the Netherlands for a few years, you may decide it’s time to move somewhere else — and we get it, that’s life.
Save yourself some bureaucratic stress with Brand New Day. Image: Freepik
However, you shouldn’t let the fear of a bureaucratic nightmare prevent you from establishing a private pension account in the Netherlands while you’re here.
Brand New Day’s pension accounts cater to expats because you don’t have to be living in the Netherlands to have an account with them.
In fact, you can have a private pension account with Brand New Day as long as:
You live and pay income tax in a European Economic Area
You have a checking account with a Dutch bank
This means that, should you decide to move to, for example, Ireland, you can still keep your Brand New Day pension account.
Note: There are a few conditions where you aren’t eligible to continue having an account with Brand New Day. You can see these and the next steps you will have to take on their website.
Disclaimer: Investing involves risks. You may lose (part of) your investment. Returns are not guaranteed.
Are you ready to get the ball rolling on your future pension? Good for you! Reach out to Brand New Day to get a better idea of the possibilities.
What’s your experience with the Dutch pension system? Let us know your thoughts in the comments below!
The planned discounted summer train subscription is set to begin on June 21st, if parliament approves.
As you may have heard, the Dutch cabinet wants to offer the flex dal vrij NS subscription for just €49 a month this summer.
This plan has been in the works since April, and if parliament approves, it will help alleviate the economic pressure of the current energy crisis.
What’s the deal?
According to NOS, the “climate ticket” runs from June 21 to September 1, covering unlimited travel on any NS route outside rush hour and at weekends. At full price, that same subscription costs nearly €128 a month.
However, the so-called “climate ticket” is proposed to run from June 21 to September 1. That window of just over two months is shorter than the three originally floated.
Parliament still needs to sign off
The deal needs approval from both the Tweede Kamer and Eerste Kamer before it can go ahead. State Secretary Bertram (Infrastructure) has pressed both chambers for a swift decision, warning that any delay would make the June 21 start date impossible.
The government has capped spending at €118 million, meaning there’s a hard limit on how many subscriptions can be issued, reports NOS.
Here’s hoping they can get it through in time.
Would the train pass change how you travel this summer? Let us know in the comments.
So, you’re parched and wondering if you can drink tap water in Amsterdam. Knowing where to get safe drinking water in a foreign country can be a little daunting, so what’s the deal in the Netherlands?
We’ve all heard horror stories about drinking tap water in foreign countries, and the last thing anyone wants on a vacation (or at any time) is to be stuck inside and on the toilet.
So, can you drink tap water in the Netherlands? Let’s take a look.
Is tap water safe to drink in the Netherlands?
Good news: tap water is totally safe to drink in the Netherlands, especially in Amsterdam, where tap water is often of better quality than bottled water.
In fact, tap water in the Netherlands shares the number one spot with six other countries for the safest drinking water in the world.
In the Netherlands, water companies use advanced technology to filter surface water without using chlorine or fluoride. High levels of chloride can be harmful to the environment, so it’s a major plus that Dutch tap water has none of it.
The calcium content is very low, making it softer water than other regions of Europe. Water that is referred to as “soft” causes less damage to appliances, like washing machines.
Dutch tap water tastes better than bottled water. Image: Freepik
Another bonus is that the taste is known for being good. In fact, it was found to be tastier than bottled water!
However, you may find that Dutch water tastes different from your home country — that’s because of the low calcium content.
Rest assured, it won’t take long for you to adjust. So don’t be shy to fill up your water flask and skip the store’s bottled water.
Is it safe to drink from public drinking fountains in Holland?
Public drinking water in the Netherlands is very safe since it is purified in the same way as regular tap water.
You can find drinking fountains all around Amsterdam, many of them colourfully painted or even mosaiced.
Water from drinking fountains is lekker! Image: Depositphotos
Additionally, there are water bottle filling stations, which you’ll find in many parks and streets.
There are even websites that help you locate the nearest drinking fountain wherever you are in Amsterdam. Now that’s cool!
Can you ask for tap water in a Dutch restaurant?
When going out for dinner in the Netherlands, you can ask for tap water, but most of the time, you’ll be charged for a glass or bottle.
If your stars align and the goddess of free water bestows an enchanted kiss upon you, you may stumble upon a restaurant that has no problem serving totally free tap water.
Of course, you can always ask the question of whether a restaurant charges for tap water.
Help! Why does Dutch water create white build-up on my tap?
As mentioned, the calcium content of Dutch water compared to the rest of Europe is low, but it’s still there.
Calcium build-up was something I had never encountered before coming to Europe, so when clumps of white started gathering in my kettle and around my taps, I had no idea what to do.
Calcium build-up is when white deposits start forming as a result of the calcium in the water. This can happen in your toilet, shower, taps and kettle.
It can affect the quality of water coming out of your tap, as the deposits can break off. This is particularly unpleasant and not very good for you, especially when the deposits end up in your cups of tea!
Luckily, there’s a simple solution to that. You can purchase products to clean out the calcium at supermarkets or stores like Action.
You can also use good old undiluted white vinegar, which you can soak your showerheads in for a new, shiny finish. I recommend cleaning out your kettle every month to prevent long-term build-up.
Have you tried the water in Amsterdam? Let us know what you think in the comments below!
An EU law is set to dispel Dutch workplace secrecy, bringing salary ranges into job ads, giving you the right to ask what your colleagues earn, and forcing companies to publish their pay gap data.
In most Dutch workplaces, talking about your salary is technically allowed… but most people would view it as a major gaffe.
However, that’s about to change with the EU Pay Transparency Directive, which the Netherlands is now working on writing into national law (albeit not as quickly as Brussels would like!).
What’ll change for employees in the Netherlands?
When the EU Pay Transparency Directive is implemented in the Netherlands, it’ll bring a serious to-do list for employers.
In particular, the EU directive stressed that job vacancies must include a salary (or salary range), and employers are no longer allowed to ask candidates what they currently earn.
The last point is crucial, as this question tends to anchor your new salary to whatever you were paid before, regardless of what the role is actually worth.
In addition to this, if you’re already employed by a company, the directive will give you the right to request information about your own pay level and how it compares to colleagues doing equivalent jobs.
For larger companies, the obligations go even further. Businesses with 100 employees or more will be required to report on their gender pay gap between men and women.
If a gap of 5% or more turns up in a job category without a clear justification, it’ll be mandatory for the company to create a full pay review and action plan.
An external monitoring body would then publish the results on a public website, so it wouldn’t just be internal box-ticking.
When is this actually happening?
Helaas, here’s where things get messy.
The EU deadline for all member states to write this into national law was June 7, 2026 — and the Netherlands has already announced it won’t make it.
A draft bill went out for public consultation in early 2025, but in September 2025, the government announced the timeline wasn’t feasible and then pushed implementation to January 1, 2027.
An updated version of the bill went to the Council of State in January 2026, which issued its advice in April 2026.
As of May 22, 2026, this bill needs to pass through both the Tweede Kamer (Dutch House of Representatives) and Eerste Kamer (Senate) to fully take effect.
However, the good news is that from June 7, 2026, Dutch courts are expected to interpret existing national law in line with the directive.
While that’s not as powerful as the full law being in effect, it does mean employers aren’t entirely off the hook in the meantime.
Would salary ranges in job ads change how you approach your next negotiation? Let us know in the comments.
There are heaps of great investment apps in the Netherlands, ready to give you a head start on your financial goals.
We get it, the thought of investing your hard-earned money can sound daunting, and it might not be for everyone.
Thankfully, investment apps can make it just a little bit easier, so you can give your wallet (and perhaps yourself) a well-deserved confidence boost.
We’ve found the best investment apps in the Netherlands that are available in English, super-easy to use, and have great options for returns on your cash.
This post might have affiliate links that help us write the articles you love, at no extra cost to you. Read our statement.
Trade Republic is a great investment app in the Netherlands that also lets you invest in crypto. Image: DutchReview
When it comes to making the most bang for your buck, Trade Republic is our top pick for a financial app that offers you the highest interest on your initial investment, with super-low transaction costs.
In addition to buying and selling Dutch and international stock, the app lets us build a versatile portfolio with ETFs and cryptocurrency.
As a fully online institution, Trade Republic currently only offers customer support by mobile; however, with their user-friendly interface and straightforward set-up, you’re unlikely to need it anyway.
DEGIRO is one of the most popular investment apps in the Netherlands. Image: DutchReview
With handy instruction videos and other educational tools to help you get started, DEGIRO is perfect for anyone new to investing.
We found the platform very easy to use, and its lack of monthly fees and good customer service helped it stand out in the crowd of Dutch investment apps.
All in all, DEGIRO is ideal for those who are testing the waters of investment. You can even choose specific companies to put your money into if you’re feeling confident.
Enjoy a healthy interest rate with Scalable. Image: DutchReview
With its clean aesthetic, up to 2.5% interest rate on cash, and multiple smart tools, we found Scalable the perfect investment app for someone looking to do a lot with their savings. You can think of it as the Swiss knife of investment apps.
Our favourite aspect was its PRIME+ Broker account, which gave us access to a plethora of premium trading features.
With this account, you can enjoy commission-free trading for orders over €250 and trade as much as you want for just €4.99 per month — meaning you’re free to do whatever your heart desires with your money (responsibly, of course).
✅ Pros:
Enjoy a 2.5% interest rate on savings
Investing explained in a smooth and easy way
Helpful tools to monitor your investments
Offers commission-free trading from a €250 order volume with a PRIME+ package
❌ Cons:
App uses a lot of investment lingo that may not be beginner-friendly
We found Lightyear to be one of the most accessible investment apps on the market. Image: DutchReview
With its sleek, futuristic design, the Lightyear app is ideal for investors in the Netherlands who want to manage a diverse portfolio of stocks, ETFs, and more across EUR, USD, and GBP.
If you’re new to investing, Lightyear offers access to fractional shares and “Savings Vaults”. With these, your cash gets invested into Money Market Funds, earning you higher interest than most Dutch banks.
The best part? There are no monthly subscription fees, and you can enjoy low trading fees on their diverse range of ETFs.
✅ Pros:
No monthly subscription fees
Fractional stocks and ETFs are available
Low fees on ETFs
❌ Cons:
No crypto
Yearly fees charged on Money Market Funds
Some additional fees (like foreign exchange or fund provider fees) may apply
Disclaimer: Capital at risk. The provider of investment services is Lightyear Europe AS. Terms apply: lightyear.com/terms. Seek qualified advice if necessary.
Bank disruptor bunq has turned its hand to investing, all in the same app. Image: DutchReview
Self-labelled “bank of the free”, bunq is all about making your financial life as straightforward and sustainable as possible. Best of both worlds, much?
bunq Stocks is a straightforward investment function built directly into the bunq app. We found it super-handy for keeping a neat overview of our cash flow and investments — all in one place.
Plus, bunq’s investment function is easy to use and lets you choose from a selection of the best stocks, ETFs, and cryptocurrencies. Thanks to its fractional shares, we could get started with as little as €10. (Just keep in mind that while it’s free for the first 3 months, standard trading incurs a 0.99% fee per transaction after that.)
Revolut is truly the full package when it comes to mobile finances. In just one little app, you can save, spend, track, send, and, most importantly, invest your cash however you like.
With its sleek design, real-time performance updates, and (fractional) investment opportunities as low as €1, Revolut stands out as a beginner-friendly platform in the world of finance apps.
We also like Revolut’s option of investing in dividends, which gave us access to regular payments from some of the largest companies in the world.
✅ Pros:
Fractional shares available
Banking, investment, and many other products in one app
Investing using an app is way more convenient than traditional investment methods. With a tap on your phone screen, your brand-new investment portfolio is in your pocket.
Commuting to work? Eating lunch? Watching Netflix in bed? There are no limits to when, how, and in what you can invest when you have it all on your phone.
Oh, and transactions tend to happen faster through apps than with conventional methods, which means more precious time and money saved for you.
There are tons of advantages to using a Dutch investment app. Image: Depositphotos
Most investment apps also make an effort to provide a good visual overview of all your investments, which is especially great if you’re a beginner who doesn’t quite know how to keep track of everything.
Plus, apps are cheaper than running a brick-and-mortar operation, so that can even keep the internal costs of the brokerage down.
That means more focus on the things that really matter (paying for good customer service, for example, rather than heating up an office building) and better returns for you.
How to get started with investing in the Netherlands
Ready to let your money live up to its full potential? Let’s talk about how you get started with investing in the Netherlands.
1. Do your research
Before investing, it’s important to take time to understand the basics. After all, you’re investing your real, hard-earned money.
Learn about different types of investments (stocks, ETFs, bonds, etc.) and how they fit your financial goals. Consider:
Risk tolerance: How much risk can you handle?
Investment horizon: Are you investing short-term or long-term?
Costs and taxes: The Netherlands has a Box 3 wealth tax on investments, so be aware of potential tax obligations.
There are heaps of financial blogs, platforms, and YouTube channels that can help you get started.
Proper research will help you narrow down the ideal app for your investment needs. Image: Freepik
2. Choose your investment app and sign up
Next up, it’s time to choose the investment app you want to go with (one from this list, for example!) and sign up for it. To do so, most platforms require:
✅ A valid Dutch or EU ID, a residence permit, or an international passport ✅ A Dutch bank account ✅ Proof of residence in the Netherlands (such as a utility bill) ✅ BSN (Burger Service Nummer) for tax purposes
3. Start small and learn
Once you’re all set, it’s recommended to start with a small investment and learn as you go. Many platforms allow you to invest with as little as €10-€50.
That way, you can get comfortable investing as you figure out how everything works.
What about savings apps?
Investing is lovely, but sometimes we also need a good way to put aside money in a savings account to keep some cash liquid (like for emergencies) or if we want to access our money in the near future without taking a risk on the market.
The unfortunate thing is that Dutch banks tend to have ridiculously low interest rates, making saving in the Netherlands a foolproof way to, well, lose money.
Enter: border-crossing savings apps like Raisin! Raisin lets you shop around for whichever European bank has the best terms so that you can get the most out of your savings.
Have you tried any Dutch investment apps? What are your top tips for a good investment journey? Tell us in the comments below!
Disclaimer: Investing involves risks, and you can lose your investment. DutchReview is not a financial consultancy. The content shared on the website and DutchReview’s social accounts does not contain any financially binding advice.
Investment apps in the Netherlands: Frequently asked questions
What are the best investment apps in the Netherlands?
DeGiro is a great Dutch investment app, particularly due to its low fees, accessible and user-friendly design, and beginner-friendly approach.
Trade Republic, Scalable, eToro, Bunq, and Revolut are other Dutch investment apps following closely thereafter. When it comes to non-Dutch investment apps, it’s worth noting that XM, HotForex, and IQ Option are international favourites among Dutch people.
How can I invest in the Netherlands?
Internationals and expats can easily invest in the Netherlands, a country that claims eighth place in the world regarding economic freedom. You can easily invest in savings accounts, private pension schemes, property, funds and anything else, either with an investment app or through a good old-fashioned bank.
Can I use a Dutch investment app if I don’t speak Dutch?
Yes! Most investment apps in the Netherlands know that they have huge international audiences, so DeGiro, Scalable, Trade Republic, eToro, bunq, and Revolut all offer their apps entirely in English.
How do I know a Dutch investment app is safe?
The investment apps DeGiro and BUX are all supervised by the AFM, the main Dutch financial authority in the Netherlands. Make sure your investment app of choice is AFM-approved!
Is it smart to invest in the current Dutch economy?
Investing always comes with some risk, and it’s important to read up on the ins and outs of your investment plans before going in headfirst. Still, with the current state of inflation and interest rates in the Netherlands, storing your cash in a savings account means that you could be losing money.
So for most people, investing long-term is a good way of putting the extra money (even if it’s just pocket change) away, which might actually earn you money, not the other way around.
Can I invest ethically and sustainably in the Netherlands?
So you want to get into the investment game, but you don’t want to put money in the pockets of unethical, unsustainable crooks? The Dutch Association of Investors for Sustainable Development offers useful resources for anyone interested in the many ethical, sustainable, and/or responsible investment opportunities in the Netherlands.
Most Dutch banks have sustainable savings alternatives, and the Dutch government has established so-called “green bonds” for the increasing number of climate-minded investors in the Netherlands.
What are some useful resources for someone getting into investing?
If you’re new to investing, or if you just need a refresher on what’s smart to do in the jungle, that is, investment in the Netherlands, you’ll be happy to hear that most Dutch banks have advisors on hand to guide you through it.
The Netherlands is generally a straightforward and lucrative place to get into investing, with a booming innovation sector and a convenient geographical location to show for. If you’re interested in learning more about the mechanisms behind the great investment opportunities in the Netherlands, you can check out the Index of Economic Freedom.
Are Dutch trading apps regulated?
The Dutch Authority for Financial Markets (AFM) regulates and supervises the financial markets in the Netherlands, including investment apps. They are in charge of making sure all things financial are stable and transparent, so you can have the best possible investing adventure.
Prosecutors are calling for a four-year prison sentence for a Dutch roadside assistance worker who ran over and killed a man who had stolen from him.
The unique case came to trial this week. According to NOS, in 2024, the wegenwachter (roadside mechanic), identified only as Wil van G., 60, chased down, struck, and killed a man who had stolen his phone and wallet.
Now, as the trial proceeds, prosecutors are seeking a four-year sentence for van G.
The thief stole his phone and wallet
It began on May 16, 2024, when Van G. was partway through a roadside job at a supermarket on the Urkhovenseweg in Eindhoven.
A 56-year-old man took advantage of the distraction, making off with Van G.’s phone and a wallet holding €600, both taken from the ANWB van while the mechanic had his back turned, reports NOS.
Van G.’s son used Find My Phone to pinpoint the device to a children’s play area on the Kempensebaan. When Van G. arrived, he came face to face with three men and recognised one of them as the person who had robbed him.
Van G. then confronted the thief
According to NOS, he confronted them loudly, a large tyre iron in hand. The man he’d identified as the thief jumped on a bicycle and bolted. Van G. then chased him in his van.
Footage played during the hearing showed the mechanic driving over a grass verge at high speed before ploughing into the cyclist. The thief was caught under the wheels, at which point van G. reversed.
The victim succumbed to his injuries in the hospital several days later.
Prosecutors seek a four-year sentence
Van G. sat slumped over and barely spoke before the three judges, reports NOS. He had already served seven weeks in pre-trial detention before being let out, as the prison system could not offer him meaningful mental health support.
He told the court he has not worked since the incident and depends on heavy medication to get through the day and sleep at night. He said returning to custody would kill him.
Prosecutors said they took his condition seriously, but argued the real issue was the manner in which he had pursued a man on a bicycle with a delivery van.
The Openbaar Ministerie (OM, public prosecutors) told the court that, whatever his intentions, the lethal risk of that choice was obvious to any reasonable person. They are seeking four years in prison and a five-year ban from driving.
A ruling is expected on June 4.
Where do you think the line is between protecting yourself and going too far? Let us know your thoughts in the comments below.
Moving to the Netherlands from the US means adjusting to Dutch life, from health insurance and taxes to local banking and learning a new language.
Trading stars and stripes for stroopwafels and Sinterklaas is a big step, so it’s essential to be prepared and do your research. Let’s run through the process together.
Before moving to the Netherlands: Checklist for US citizens
If you’re contemplating booking that flight from the US to Schiphol, it’s vital to run through some “must-haves” first.
1. Get a Dutch visa and residence permit
As a US citizen, the good news is that you won’t require a Dutch visa for quick visits to the Netherlands.
However, if you’re planning to live, work, or study in the Netherlands, you’ll need to apply for a Dutch residence permit. In most cases, these residence permits are mandatory for all visits longer than 90 days.
The first step to getting a residence permit is applying for a visa, but it’s good to note that there are different types of visas depending on your situation.
These are some of the most common visas and residence permits for US citizens:
The Dutch American Friendship Treaty (DAFT) visa
Thanks to a special treaty between the Netherlands and the US, American entrepreneurs can apply for the DAFT visa to set up their businesses in Holland.
However, certain conditions apply: you’ll need to be willing to invest €4,500 in your business, and you must register with the KvK (Dutch Chamber of Commerce) within 6 months of receiving your residence permit. The visa application costs €423.
See the IND’s full list of requirements for the DAFT visa here.
A Dutch residence permit for highly-skilled migrants
Are you an American who’s secured a role with a Dutch employer? If they’re a recognised sponsor by the IND (immigration department), you may be eligible for a highly-skilled migrant visa.
See the IND’s full list of requirements for a highly-skilled migrant visa here.
The European Blue Card residence permit
If you’re a highly qualified professional with a minimum of five years of relevant work experience, your employer may apply for a Blue Card residence permit for you.
See the IND’s full list of requirements for a European Blue Card residence permit here.
A residence permit for US citizens with a Dutch spouse or partner
If you’re an American married to or in a registered partnership with a Dutch citizen, you can apply for a partnership visa. Your partner can also apply for this visa if they have a valid Dutch residence permit.
They will need to act as your sponsor, and the two of you will likely need to provide proof of your marriage, registered partnership, or relationship. The visa application costs €254.
See the IND’s full list of requirements for a partnership visa here.
A Dutch student visa for US citizens
Are you an American who’s planning to study in the Netherlands? If you’ve been accepted into a Dutch university or education institution that’s a recognised sponsor by the IND (immigration department), you can apply for a student visa and residence permit.
In most cases, your university or college will facilitate the visa process for you, but you’ll need to prove you have sufficient financial means to support yourself and pay your tuition fees. The visa application costs €254.
See the IND’s full list of requirements for a Dutch student visa here.
2. Find housing in the Netherlands
If you’re an American who’s planning your move to the Netherlands, it’s vital not to underestimate the current housing crisis.
In 2025 alone, the Ministry of Housing reported a national shortage of nearly 400,000 homes, with approximately 434,000 applicants vying for the 38,000 properties on the market.
Between fierce competition, steep prices, and difficulty viewing properties if you aren’t based in the Netherlands yet, finding housing is an uphill battle.
That’s why it’s crucial to start looking for housing several months before you’re due to arrive.
Some of the most widely used platforms for internationals include:
Good to know: If you’re looking to beat the crowds, avoid big cities such as Amsterdam or The Hague. Smaller or mid-size Dutch cities will typically have more housing available at more affordable rates, though you’ll likely need to factor in the cost of commuting.
Natuurlijk, if you’re opting to rent instead of buy, it pays to come prepared. You’ll typically need:
A copy of your passport and/or Dutch residence permit
Proof of income, such as payslips or a valid employment contract
Sufficient funds to leave a deposit (roughly three months’ rent)
3. Arrange relocation from America to the Netherlands
Once you’ve secured a roof over your head, it’s time to tackle the logistics of moving continents.
Depending on the agency, your relocation company may be able to assist with your visa process, too. Image: Freepik
The most convenient option is arranging your move through a relocation company.
In addition to shipping your household items across the Atlantic, some relocation companies also provide other services, such as immigration advice, housing assistance, and more.
After moving to the Netherlands: Checklist for US citizens
Hoera, you’ve finally made it! But before you can settle into life as an aspiring Dutchie, there are a few essential tasks that you need to tick off your to-do list.
1. Register at your local Dutch municipality
The most important item on your agenda should be registering at your local municipality (gemeente).
Of course, this isn’t just a bureaucratic formality.
You’ll need to register at a valid address to receive your BSN (citizen service number), which is a requirement for almost everything in the Netherlands, from opening a bank account to signing your employment contract. (You can think of it as the Dutch equivalent of your Social Security Number.)
To register, you’ll need to book an appointment at your local town hall — also known as a gemeentehuis or stadhuis.
For the appointment, you’ll typically need:
Your passport
Proof of address (such as a rental contract)
Your birth certificate
Your letter of enrolment (if you’re a student)
Depending on your situation, you may be asked to provide some additional documents. It’s best to call your gemeente (municipality) and double-check what information they’d like you to provide.
2. Open a Dutch bank account
While Americans aren’t legally required to open a Dutch bank account, using a foreign card in the Netherlands can be… quite a hassle.
In our experience, it’s not uncommon for Dutch supermarkets, cafés, and shops to decline foreign bank cards (yes, even debit cards).
For many expats, getting a Dutch bank account isn’t just convenient; it’s an essential next step when it comes to integrating.
Especially if you’ve moved out of the Randstad, it’s far more convenient to replace your American Express credit card with a Dutch debit card. Image: Freepik
To open a bank account in the Netherlands, you’ll usually need:
Your BSN
A valid form of ID (such as your passport)
Proof of address (such as a rental contract)
Your university letter of enrolment (if you’re applying for a student bank account)
In certain cases, you can even open a Dutch bank account before you’ve physically landed in the Netherlands.
With their expat-friendly banking services and helpful, in-person customer support, INGis an excellent choice for Americans who want a Dutch bank account. Even better: you can sign up for an account via their handy mobile app, before you’ve even set foot in the Netherlands.
There are two main types of Dutch health insurance: basisverzekering (basic health insurance) and aanvullende verzekering(additional health insurance). Only the former is compulsory, but additional health insurance may be necessary to cover specific needs, such as advanced dental work.
It’s important to take out Dutch health insurance as soon as possible, because being uninsured may see you fined heavily by the CAK (the national body that oversees healthcare costs).
Good to know: Depending on your situation, you may be eligible for a Dutch healthcare allowance, also known as zorgtoeslag. Read the full list of conditions here.
Other things to set up as a US citizen in the Netherlands
When you’ve ticked the most important things off your list, it’s time to explore some things that aren’t essential, but will make your transition to Dutch life easier.
1. Get a Dutch mobile number
While you can technically survive with your US mobile number, you’ll likely be bleeding money in roaming fees.
Although prepaid SIM cards are available at Schiphol Airport (Amsterdam), many expats opt for more feature-rich SIM-only plans. Image: Freepik
Given that there are loads of budget providers on the market, most internationals opt to get a Dutch mobile number as soon as possible.
Generally, to get a local SIM-only plan, you’ll need:
Your BSN
A valid form of ID (such as your passport)
A Dutch bank account
Proof of address (such as a rental contract)
If you’re applying for a mobile contract, you may also be asked to pass a credit assessment.
2. Swap your US driving licence with a Dutch one
As an American citizen, you can legally drive on your US licence for up to 185 days, according to the Dutch Vehicle Authority. After this window, you’ll be obligated to get a Dutch licence (or hang up those car keys indefinitely).
However, if you’re unfamiliar with road rules in the Netherlands, it’s always a good idea to start with some driving lessons before jumping into your exams.
Are you a highly-skilled migrant for whom the 30% ruling applies? In this case, you can skip your Dutch driving exams and simply exchange your US licence for a Dutch one.
3. Understand the Dutch tax system
Moving to the Netherlands from the US means wrangling a whole new tax system, and it’s important to understand how it works, so you don’t incur any fines.
In addition to this, as an American, you may still be obligated to file your tax returns with the IRS.
However, the US and the Netherlands have a treaty to prevent double taxation, so you may qualify for foreign earned income exclusions or tax credits.
Dutch taxes can be stressful, especially with double taxation in the mix. Reaching out to a tax accountant is often the best choice for many expats. Image: Freepik
Consider reaching out to a tax accountant or advisor at your bank for advice about your situation.
Dutch taxes can be a headache, so it’s vital to manage your finances effectively. With a bank like ING, you can easily track your income and expenses, get real-time financial updates, and set aside money for a rainy day — all from the comfort of their cheery orange app.
4. Take a few Dutch classes
The Netherlands might be home to the best non-native English speakers in the world, but knowing some Dutch is an invaluable asset.
From understanding tax documents or official letters from your gemeente to enjoying some beers with your colleagues, having at least a basic grasp of the language will help you feel less like a visitor and more like a local.
And, if you’re in the process of making your move permanent, you’ll likely need to take the Dutch integration (inburgering) exam at A2 or B1 level. Starting lessons as soon as you arrive allows you to reach your language goals at a comfortable rate.
Moving to the Netherlands from the US: Frequently asked questions
Do Americans need a visa for the Netherlands?
If you plan to visit the Netherlands for a period shorter than 90 days, you don’t need a Dutch visa. However, for stays longer than 90 days, American citizens will need to apply for a Dutch visa and residence permit.
Is it cheaper to live in the Netherlands than in the US?
Unfortunately not. According to data by Numbeo, the overall cost of living in the US is actually 5.8% lower than in the Netherlands.
However, individual expenses like rent or groceries may be cheaper in the Netherlands, depending on which city you’re moving to.
What’s the easiest way for Americans to move to the Netherlands?
For many Americans, the simplest option is generally the Dutch American Friendship Treaty (DAFT) visa. This special visa allows US entrepreneurs and freelancers to set up their business in the Netherlands with minimal red tape, though an investment of €4,500 will be required.
American students can also apply for a student visa, provided they’re accepted by a valid Dutch educational institution.
Can I drive in the Netherlands with a US licence?
Yes, but only temporarily.
Once you arrive in the Netherlands, you’ll be allowed to use your US driving licence for up to 185 days. Afterwards, you’re legally obligated to get a Dutch licence.
What happens to my US taxes if I move to the Netherlands?
Unfortunately, Uncle Sam doesn’t want to let you go! As an American citizen, your income is subject to US income tax, even if you’ve moved across the Atlantic.
However, the two countries also have a treaty to prevent double taxation, so you may qualify for foreign earned income exclusions or tax credits.
The spring season comes with all sorts of public holidays in the Netherlands, and Pentecost is right at the top of that list.
Pentecost (also known as Pinksteren) falls on May 24 and May 25, so what’s there to expect from this holiday in the lowlands, and what are its origins?
A brief history of Pentecost in the Netherlands
Pinksteren is a Christian celebration signifying the day the Holy Spirit came down from Heaven and revealed itself to the Apostles. The date it’s celebrated depends entirely on Easter, always landing on the 50th day following Easter Sunday.
The day also commemorates the birth of the Christian Church, with some historians maintaining the belief that the tradition was celebrated as early as the first century.
While the main celebration occurs on Sunday, the real highlight for the general public is Whit Monday, locally known as Tweede Pinksterdag (Second Pentecost Day).
This day is an official national public holiday in the Netherlands, giving workers and students an extended long weekend and marking the official conclusion of the Christian Easter season.
Pentecost is typically a holiday for spending time with your loved ones. Image: Magnific
How is it celebrated?
Eerste and Tweede Pinksterdag are traditionally celebrated with music festivals, outdoor markets, and spring fairs spanning across the Netherlands.
Sunday tends to be a quieter family day, while Whit Monday is when the country comes alive with specific Dutch traditions. Across various regions, huge open-air flea markets (Pinkstermarkten) and neighbourhood fairs crop up, drawing thousands of bargain hunters looking for second-hand treasures and local food.
Historically, Pinkpop (the longest-running open-air festival in Europe) was always held during the Pinksteren weekend in Landgraaf.
