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9 things to consider when buying a bike in the Netherlands

Buying a bike in the Netherlands isn’t just a transaction; it’s practically a rite of passage. You’re about to join the ranks of a cycling nation that takes its two-wheeled transport very seriously, so what should you consider?

Take it from a seasoned international, choosing the right bike can mean the difference between Dutch cycling bliss and expensive regret.

Here are some things to take into account when choosing your ride. 👇

1. Should you get a new or a second-hand bike?

Let’s be honest, that shiny new bike is going to look awfully tempting to thieves. The harsh reality is that almost everyone who lives here has had their bike stolen at one point. 

So ask yourself the question: Do you really need a brand new bike? Or will a more affordable second-hand bike do? 

READ MORE | Should I take out bike insurance in the Netherlands?

Second-hand bikes are far less attractive to bike thieves, and if yours does get stolen, at least you have the comfort of knowing you didn’t pay €500 for it.

If you do go the second-hand route, Marktplaats and Facebook Marketplace are popular options.

However, there are also plenty of bike shops across the Netherlands that sell second-hand bikes if you want to take the more official route. 

Univé’s bike insurance covers snazzy new e-bikes to second-hand bikes and everything in between. And the best part? Premiums start at just a few euros per month.

2. What type of bike do you actually need?

Do you plan on cycling to and from the supermarket, your friends’ houses, and the train station? Then a stadsfiets (city bike) or omafiets (grandma bike) will do you just fine. You’ll see them everywhere, and they’re perfect for casual everyday life. 

Bakfietsen (cargo bikes) are brilliant if you’ve got kids to ferry around, but they’re expensive and increasingly targeted by thieves. 

photo-of-woman-looking-at-bikes-and-considering-what-she-needs-while-buying-bike-in-bike-shop-in-the-Netherlands
Consider what you’re going to be using the bike for. Image: Freepik

Electric bikes are fantastic for longer distances if your commute is especially tiresome, but they come with a hefty price tag.

A general rule of thumb is that, unless you’re planning cycling holidays in Limburg, you probably don’t need anything fancy. This is the Netherlands: it’s flat.

3. Do you really need gears?

Again, the Netherlands looks like someone took an iron to it. It’s super flat, which means gears have become somewhat optional, and most people ride single-speed bikes

READ MORE | Everything you need to know about bike insurance in the Netherlands [2026 guide]

That said, if you’re planning longer distances or live somewhere with bridges, a bike with three to seven gears offers more flexibility.

However, I will say the beauty of the single-speed Dutch bike is its simplicity. There’s less to maintain, and less to go wrong.

4. Back-pedal or hand brakes: which braking system suits you?

The terugtraprem (coaster brake) is often a shock to internationals. Why? Because you brake by pedalling backwards. 

Believe it or not, it’s the standard on most traditional bikes, and once you get used to it, it’s second nature.

The advantage of this is that your hands stay free for carrying shopping bags, holding an umbrella, or just clinging onto the handlebars for dear life.

photo-of-man-crouching-down-looking-at-bicycle-considering-whether-or-not-to-buy-it
In the Netherlands, many bikes brake by cycling backwards. Image: Freepik

Hand brakes are standard on more modern city bikes and electric bikes.

However, if these are what you’ve grown up with and what you’d prefer to use, you can still find stadsfiets and omafiets with this braking system (you may just have fewer options). 

5. Do you have a high-quality lock? 

Let’s talk about the elephant in the bike shed: locks. With bike theft as rampant as it is, your lock choice is arguably just as important as your bike choice.

The “10% rule” (spending 10% of your bike’s value on a lock) gets thrown around a lot, and while it’s not a bad guideline, experts emphasise something simpler: buy the best lock you can afford.

In the Netherlands, look for locks with an ART rating. The ART Foundation independently tests locks for security, and many insurance companies require ART-certified locks.

An ART 2 rating is the minimum for most bicycle insurance policies.

Univé’s bike insurance covers theft, vandalism, and damage, giving you peace of mind no matter which bike you choose. Check out their premiums now

6. Does the bike have lights AND reflectors? 

Dutch law requires working front and rear lights when cycling in the dark or in poor visibility conditions. 

Something that people often forget is that you’ll also need reflectors: a red one at the back, yellow ones on your pedals, and white or yellow reflective surfaces on your wheels. 

READ MORE | 7 things that will get you fined while cycling in the Netherlands

Missing something? That’ll be a €70 fine, please.

Thankfully, many modern bikes come with dynamo lights that power themselves as you cycle, meaning you’ll never forget to switch them on.

7. Is the bike the right size for you? 

Dutch bikes are designed for upright, comfortable cycling, but that doesn’t mean any ol’ bike will do. 

Make sure the bike fits you properly. For example, you should be able to touch the ground with your feet when seated (not awkwardly teetering like a child who stole their big brother’s bike).

photo-of-woman-looking-at-bike-in-bike-store-in-the-Netherlands-while-buying-bike
You have to make sure you fit on your bike. Image: Freepik

If you’re buying online, make sure to also ask about the frame size. A poorly fitted bike will leave you with an aching back and sore knees.

8. Which bike accessories do you need?

A basket or crate is practically essential for carrying groceries (or, as the Dutch like, basically anything, living or inanimate that will fit in there). 

A bell is also legally required and culturally essential, as you’ll be ringing it constantly. 

Consider side bags if you commute, a phone holder for navigation, and perhaps a rain cover for your bag. Let’s remember that the Netherlands is also extremely wet.

9. How much should you actually spend?

A functional second-hand bike from a private seller will run you anywhere from €50 to €150. Facebook and Marktplaats are the cheapest options, but you’re also taking a bit of a gamble.

Second-hand bikes from shops typically cost €80 to €180 and often come with a warranty and service check, which can be worth the extra euros for peace of mind.

Meanwhile, new bikes from shops start at around €200 and can easily exceed €500 for anything with gears or modern features. 

Electric bikes are where the big bucks are spent, with prices starting at around €1,000 and going up from there.

Remember to budget for a good lock (€30-€80), lights if they’re not included, and possibly insurance. If you can’t afford to lose your bike, you can’t afford to cheap out on security.


Now, do you know what bike you want? Great. Go get your wheels, and introduce yourself to the cycle lanes, but remember to be careful and watch out for omas on surprisingly fast mobility scooters.

Did you fall for a flashy new model only to have it stolen within a week, or are you still riding the rusty €50 beauty you bought five years ago? Share your bike-buying wisdom (or horror stories) in the comments below.

10 series and films on Netflix to help you learn Dutch

Browsing for a Netflix show or film to watch on a gloomy day in the Netherlands? Maybe you’re about to visit your Dutch partner’s parents or simply want to brush up on your Dutch skills. Well, we’ve got a treat for you!

Watching films and series in Nederlands is a great way to develop comprehension skills. This is the strategy the Dutch use to speak near-perfect English (by not dubbing English movies or series) — so they must be onto something! 🎬✨

Grab some popcorn, and let’s take a look at some Dutch films and series available on Netflix now! 🍿👀

1. Anne+: De Film

Anne+ is a two-season series about the life of a 24-year-old lesbian living in Amsterdam. After breaking up with her girlfriend, she reflects on her love life over the years and how it shaped who she is.

Sadly, this series is currently not available on Netflix — but geen paniek! We have a close enough alternative for you.

Due to its success, Anne+ was also made into a movie. The main character, much like in the series, grapples with the challenges of finding love while still growing and changing.

READ MORE | The best tips to learn Dutch: my experience of grasping the language

The movie is a lovely but realistic exploration of sexuality, relationships, and love! 🏳️‍🌈❤️ It’s also great if you’re looking to add a dash of Dutch to your day. 

📺 Type: Film
💪 Minimum Dutch level recommended: Beginner
✅ Why it’s great to learn Dutch: If you want something easy for beginners, then this is the movie for you! The storyline is easy to follow and to the point. Sometimes, the dialogue does go fast, but the conversations are normally very short and rich in everyday vocabulary.

2. Bankier van het Verzet (The Resistance Banker)

The Resistance Banker takes place during World War II in Nazi-occupied Amsterdam.

The film tells the story of a Dutch banker who risked it all to build a secret underground bank to fund the Dutch resistance against the Nazis. How heroic!

READ MORE  | 8 unmissable movies about the Netherlands in WWII

Bankier van het Verzet is suspenseful, thrilling, and absolutely heart-wrenching. It hits even harder when you find out it’s based on true events. 😔

📺 Type: Film
💪 Minimum Dutch level recommended: Intermediate
✅ Why it’s great to learn Dutch: The actors speak quickly but clearly in this film. The phrases aren’t too difficult, but the plot is fast-paced. Some parts are also in German with Dutch subtitles. It’s definitely a film for someone who’s been studying Dutch for a while. 

3. Keizersvrouwen (Women of the Night)

In the mood for a thrilling Dutch crime series with a female protagonist? Look no further! Keizersvrouwen is available to stream on Netflix. 

The show follows Xandra, a woman with a stable, happy life with her husband and daughter. However, she longs for something more.

When she gets an opportunity to organise an event for her friend’s escort agency, she is drawn back into the dark underbelly of a world she thought she had escaped forever. 

📺 Type: Series
💪 Minimum Dutch level recommended: Intermediate
✅ Why it’s great to learn Dutch: This series has a medium pace, with sentences that aren’t too long or complicated. The storyline can sometimes be difficult to keep up with, but the actors generally speak clearly.

4. Liefde zonder grenzen (Love without borders)

As you might have gathered, this is a movie about love — but it is no usual rom-com!

Rather, “Love without borders” explores love beyond its romantic form.

It tells the story of a recently widowed Dutchman and his children as they each navigate their love lives differently while also learning to love each other — without renouncing a touch of humour!

📺 Type: Film
💪 Minimum Dutch level recommended: Intermediate
✅ Why it’s great to learn Dutch: As an outsider, the language native speakers use in more intimate settings, such as their family and dating life, can be quite hard to access. This film is a great opportunity to get a glimpse of that while also serving as advice for your own love life. 😉

5. Undercover

Okay, so maybe you’ve already binged tons of drug-related crime series like Breaking Bad or Narcos. Good news! There’s a Flemish/Dutch drama that is worth just as much hype — AND it’s based on a true story. 🤯

Undercover follows secret agents Bob Lemmens (Belgian) and Kim de Rooij (Dutch), who are investigating a drug kingpin, Ferry Bouman.

They track him down to Limburg, the ecstasy capital of the world, and pose as friendly neighbours at a campground where Ferry spends his weekends. 👮

The series was very well received, with IMDb giving the show a 7.8/10! Who says there aren’t any good Dutch shows out there?!

📺 Type: Series
💪 Minimum Dutch level recommended: Intermediate
✅ Why it’s great to learn Dutch: If you’re looking for a slow burn to expand your Dutch accent skills and learn a little Flemish, we recommend taking on this challenge once you are at a more intermediate level. The actors speak clearly and at a moderate pace, but the plot can be complicated, so be prepared to pay attention!

6. Ares

In the mood for something scary? This Dutch horror series will definitely give you goosebumps! 👻

Ares follows the story of a first-year medical student in Amsterdam, Rosa Steenwijk. She joins a secretive Dutch student society and uncovers dark secrets and nightmarish experiences that will leave you gasping — and perhaps a little wary of your local student groups. 👀

The series also has subtitles in TONS of languages, including English, Arabic, and Korean. 

Trigger warning: Sexual assault, suicide, hazing, gore. Definitely don’t watch this before bed, or if you don’t like blood or gore!

📺 Type: Series
💪 Minimum Dutch level recommended: Intermediate
✅ Why it’s great to learn Dutch: If you’re an intermediate learner and you’re looking for a Dutch series that’s suspenseful, intense and gory, then look no further than Ares. Also, if you’re a student, this is also a good place to pick up Dutch student slang, as well as the Amsterdam dialect.

7. Pietje Bell (Peter Bell)

If your childhood was shaped by classics like Charlie and the Chocolate Factory and Matilda, then this is the Dutch film for you! 

Based on a book series, the story follows Pietje Bell, a shoemaker’s son in Rotterdam. Pietje is known for getting into all kinds of antics and trouble at school and in the town, much to the dismay of the townsfolk.

However, his pranks and adventures become so famous that they make the newspaper. 

But when he tries to stop a criminal, nobody believes him! So it’s up to Pietjeto to save the day! ✊

📺 Type: Film
💪 Minimum Dutch level recommended: Beginner-Intermediate
Why it’s great to learn Dutch: This film is great for adults and kids starting out with the Dutch language. As a children’s film, the language isn’t overly difficult, and the actors speak clearly and in an exaggerated manner. A good pick for the family! 👩‍👩‍👧

8. Mijn beste vriendin Anne Frank (My best friend Anne Frank)

Another movie set against the backdrop of Nazi-occupied Amsterdam, My Best Friend Anne Frank is the first Dutch cinema film to tell the story of the most famous Holocaust victim in the Netherlands.

It’s told from the perspective of Anne’s best friend, Hanneli Goslar, and explores themes of friendship, persecution, and resistance.

If you’re a history buff who isn’t afraid of shedding a few tears, this film is the perfect choice for you!

📺 Type: Film
💪 Minimum Dutch level recommended: Beginner-Intermediate
Why it’s great to learn Dutch: Although the movie deals with a heavy subject matter, the actors speak clearly and slowly. But let op! Parts of the movie are in German, so turn on subtitles — or start another language-learning journey. 😉

9. Crypto boy

This Dutch drama deals with numerous issues that are unfortunately oh-so-relevant.

It follows the story of Amir, who can’t see eye to eye with his father about the future of their failing restaurant in a rapidly gentrifying neighbourhood.

At the brink of financial collapse, Amir sees hope for financial freedom in a cryptocurrency startup but discovers that the crypto world comes with more challenges than solutions.

The drama explores family relations and class issues while also teaching you some Dutch slang. 💪

📺 Type: Film
💪 Minimum Dutch level recommended: Intermediate
✅ Why it’s great to learn Dutch: Although the plot is easy to follow, the language used in Crypto Boy is often colloquial, and some actors have accents. It’s recommended that you’re somewhat familiar with Dutch already, but if you’re looking to speak like an Amsterdam local, this is the movie for you.

10. Toon

Do you ever feel tired of social media? So does the protagonist of this Dutch sitcom, introverted jingle writer Toon, who accidentally becomes a social media sensation after performing a song at his sister’s party.

The show hilariously portrays the absurd world of social media fame while also exploring the personal issues Toon faces due to his unwanted fame.

It’s awkward, it’s silly, and it’s a great pick if you’re looking for a show to help you unwind.

📺 Type: Series
💪 Minimum Dutch level recommended: Intermediate
✅ Why it’s great to learn Dutch: If you already have a grip on the basics of Dutch, Toon is a great way to learn some new informal phrases and language usually spoken among friends. Some actors speak fast or mumble, but the plot is easy to follow — so this is a great listening comprehension test!


Ready to leer Nederlands while sitting on the couch? With this list, you’re well on your way — succes! ✨

Which Dutch series or films would you add to this list? Tell us in the comments below! 

6 ways international schools differ from Dutch state schools

Choosing the right school for your child is one of the biggest decisions you’ll face as an international parent. And in the Netherlands, you’ve got options.

The Dutch education system includes openbare (public) schools and bijzondere (special) schools, which are privately run but publicly funded. 

On top of that, there’s a growing network of international schools for families who haven’t quite made the Netherlands their forever home.

So which is right for your family? Here are the six main differences to help you decide.

1. There are different eligibility requirements

Not every child can simply walk through the doors of a Dutch International School (DIS). There are specific eligibility criteria set by the Dutch Ministry of Education.

In general, DIS schools are intended for:

  • Children who weren’t born into a Dutch family and plan to stay in the Netherlands for a limited period
  • Children with Dutch nationality whose parents will be temporarily stationed abroad and need continuity of education
children-at-an-international-school-in-the-netherlands-writing-in-their-schoolbooks
If you’re here for the long haul, your child may not be eligible for a government-funded international school. Image: Freepik

This means that if you’re a permanent resident or have a Dutch child who’s grown up here, you may not qualify for a government-funded international school.

However, privately funded international schools, like those offering the British curriculum, typically have broader admissions policies with no government eligibility requirement. 

Each school has its own application process, so it’s worth researching individually to find out what applies to your family’s situation.

Considering an International school for your child? At the British School of Amsterdam, students can receive an education from the age of 3, all the way to 18. Offering a world-class British curriculum, BSA graduates go on to study at top institutions across the world. Learn more

2. The language of instruction

This is perhaps the most obvious difference, and the one that will have the biggest impact on your child’s daily life.

Dutch state schools teach entirely in Dutch, which can mean a steep adjustment period for children who don’t speak the language yet. 

Kids are adaptable, but there may be a tricky few months while they find their footing socially and academically.

International schools teach primarily in English. Crucially, though, students still learn Dutch, so they’re not completely cut off from local culture. 

Dutch state schools teach English, but the year it starts and how much time is dedicated to it vary per school.

two-Dutch-students-talking-in-the-library-in-an-international-school
One thing to consider is whether you want your child to dive straight into Dutch. Image: Depositphotos

When it comes to language immersion, there are pros and cons on both sides:

  • Dutch state schools: Your child will learn Dutch much faster, but they will face potential delays early on while they settle in
  • International schools: These offer an easier social start for English speakers, and often a more multilingual environment overall. However, your child will be slower to pick up Dutch. 

Neither is the “wrong” choice. It really depends on your child, your timeline, and how deeply you want them embedded in Dutch life.

3. The curriculum and qualifications

Dutch state schools follow the Dutch national curriculum. This is important to consider because it includes a streaming process at secondary level. 

Around age 12, students in Dutch schools sit for assessments. They are then placed into one of three tracks based on ability and aptitude:

  • VMBO — This offers pre-vocational secondary education, focused on practical skills
  • HAVO — This offers higher general secondary education, leading to universities of applied sciences
  • VWO — This offers pre-university education, the highest level, leading to research universities

This streaming happens relatively early, and the track a child is placed into shapes their entire secondary education path.

secondary-school-students-at-a-dutch-international-school-sit-and-work-on-an-assignment
Depending on their aptitude, Dutch secondary school students are placed in one of three tracks. Image: Freepik

VWO is roughly equivalent to A-Levels or the International Baccalaureate, but getting there will look quite different for your child if they attend a Dutch state school.

READ MORE | The Dutch education system: the simple guide to Dutch schools

The Dutch streaming process can be a significant stressor for international parents. Meanwhile, international school systems, such as the British curriculum, keep the doors open for longer.

International schools offer a range of qualifications, depending on the school, including:

  • British curriculum (GCSEs and A-Levels)
  • International Baccalaureate (IB)
  • American curriculum or other national frameworks

Another thing to consider is whether your family is likely to relocate again. Curriculum continuity matters a great deal, and internationally recognised qualifications such as the GCSE/A-Levels or IB are a universal currency for top-tier universities worldwide. 

In other words, they’ll transfer much more smoothly than a Dutch diploma when applying to universities abroad. 

4. Costs and what you’re paying for

Dutch state schools are free, funded by the government. There is a vrijwillige ouderbijdrage (voluntary parental contribution) for extras like school trips or materials, but the core education costs you nothing.

International schools are a different story. Fees range from around €4,500 per year for subsidised Dutch International Schools, up to €15,000 to €23,000+ annually for fully private international schools.

Dutch-teacher-answering-questions-at-an-international-school
An international school often offers smaller class sizes compared to a Dutch state school. Image: Depostiphotos

What justifies the price tag? Private international schools tend to offer:

  • smaller class sizes that provide tailored support to each student,
  • a focus on pastoral care,
  • curricula that aren’t just a “set of subjects”, but foster holistic development, 
  • state-of-the-art facilities and resources,
  • international teaching staff with globally recognised expertise,
  • and qualifications that open doors to universities worldwide.

Private international schools also have complete independence in curriculum and staffing. 

It’s worth noting that while DIS schools must follow certain Dutch government mandates, privately funded international schools can remain 100% committed to, for example, British standards and the English National Curriculum. 

Make sure to check your employment contract if you’re in the Netherlands on an expat package. 

Many employers include international school fees as part of their relocation benefits, so it’s worth asking before you assume it’s all coming out of your own pocket.

5. Extracurriculars and school trips

International schools tend to offer a broader range of after-school activities, thanks to their resources and diverse student body. 

Think debate clubs, Model UN, international exchange trips, and a wide variety of sports. The school calendar often includes longer summer and Christmas holidays, too — though school days themselves can run a little longer.

photo-of-children-playing-afterschool-at-international-school-in-the-netherlands
International schools offer more after-school activities. Image: Freepik

At Dutch state schools, the majority of clubs and activities happen outside of school entirely, through music schools, community organisations, and outsourcing sports to local clubs rather than on-site after-school programmes. 

At the BSA, sport and arts are integrated into the school day, fostering a sense of belonging and “school spirit” that is central to the British educational experience.

Offering over 100 extracurricular activities, as well as an active Parents’ Organisation for parents looking to find their own tribe, your child’s development and education extend beyond school hours. Learn more. 

6. The environment and community

One thing international schools excel at is creating a diverse, globally minded community. 

Students and teachers come from all over the world, which can be particularly valuable for children who’ve moved around a lot and are used to being “the new kid.”

There’s something to be said for walking into a classroom where half your peers have also arrived from somewhere else entirely.

READ MORE | 7 ways raising a child in the Netherlands is different

And this doesn’t just apply to the students alone. Private international schools are often the “social glue” for expat families. While state schools serve a local neighbourhood, international schools serve a global community.

That being said, Dutch state schools in larger cities like Amsterdam can also be impressively diverse, with some schools home to students from 20 or more nationalities. 

But the dominant language and culture is still Dutch, which means social integration takes longer for children who need to adjust to it.

For kids who already speak English, an international school often makes day-one social life considerably easier.


Are you navigating the Dutch school system as an expat parent? Drop your experiences in the comments! We’d love to hear how you made the decision.

Tired of low Dutch savings rates? Scalable Capital now pays 2.5%!

With 2.5% interest on your cash, interest paid monthly, and no minimum deposit, Scalable’s new Overnight account is here to boost your savings.

If your savings are parked at a Dutch bank, there’s a very good chance they’re earning far less than they could be. The solution is simple: switching to a savings platform that offers you better rates.

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

Meet Scalable Capital’s 2.5% Overnight account

With no minimum deposit, no fixed term, and no nasty surprises buried in the fine print, Scalable’s new high-interest account is a very welcome breath of fresh air.

Thanks to a generous 2.5% (versus the 1–1.5% on offer at most Dutch banks), you’re looking at a much higher return on your savings. Let’s put that into concrete terms:

  • If you save €5,000 with Scalable, you’ll earn €125 at the end of the year. With a regular Dutch bank, you’ll earn between €50 to €75.
  • If you save €10,000 with Scalable, you’ll earn around €250. With a regular Dutch bank, that figure would be around €100 to €150.

That’s a meaningful gap, especially if you’re holding even larger balances.

expat-in-the-netherlands-does-banking-and-investing-on-his-mobile-phone
These are some of the highest rates we’ve seen in years! Image: Freepik

We’re also big fans of how the Overnight account lets you put uninvested cash to use. Whether you’re wary of dipping a toe in the world of investing or just want to build up an emergency fund, Scalable offers you a platform to earn high interest on that cash.

Access higher interest rates, without giving up flexibility

In the Netherlands, higher interest rates often come with additional strings attached.

Fixed-term deposits (deposito’s) can generally get you better rates than regular savings accounts, but you’ll be locking your money away for months or even years.

With Scalable Capital’s Overnight Account, you get the best of both worlds: high interest rates and unfettered access to your cash. Interest is calculated daily and paid monthly — and you can withdraw at any time, with no minimum amount required.

And if you’re not yet a Scalable Capital client, opening an account is fully digital, completely free, and takes less than a minute.

Built for modern savers (and investors)

If you thought Scalable’s generous 2.5% interest rate was its most attractive feature, you’ve barely brushed the tip of the iceberg.

In addition to its savings options, it’s a full investment platform — covering ETFs, stocks, crypto, bonds, savings plans, and more.

man-holding-phone-with-scalable-capital-app-in-use-investing-and-saving
Access high interest rates and a plethora of investment options, all from one app. Image: Scalable/Supplied

With a cash account built right in, transfers between Scalable’s savings account and its trading wallet are instant, so your money can keep earning interest right up until the moment you need it for an investment.

In other words, you can say “doei” to idle cash sitting in a brokerage clearing account earning nothing while you decide what to do with it. 😉

This makes it an ideal fit for:

  • savers, who are sick of getting shortchanged by the big Dutch banks,
  • investors, who just want to put their uninvested cash to use,
  • or just someone who’d like to build a financial cushion, without sacrificing flexibility for a marginally better rate than those offered by traditional banks.

Is Scalable’s Overnight account really worth it?

Oké, let’s get to the burning question: is signing up for Scalable’s Overnight account really worth the 2.5% interest you’d receive?

As a team of internationals who’ve spent long enough watching traditional Dutch banks pay out next to nothing, we found that this account offers a straightforward, low-effort upgrade.

READ MORE | I invested in stocks with Scalable Capital: here’s my experience

It’s accessible with Scalable’s free plan, with no minimum or maximum deposit limits, so we didn’t need to opt for a PRIME+ subscription.

woman-saves-shares-in-her-scalable-investment-portfolio-on-a-mobile-app-while-drinking-iced-coffee-and-eating-chocolate-cake
Combining affordability with high interest rates and easy withdrawals? A piece of cake to Scalable. Image: Freepik

Safety was another factor for us to consider. However, with a statutory deposit guarantee up to €100,000, our cash and money market funds are protected by both Scalable and its partner banks.

Of course, with this being an investment account, there are a few things to know before you sign up:

  • The rate is variable: The interest rate can shift depending on market conditions, so it’s worth keeping an eye on it. However, that being said, the same is true of Dutch savings accounts.
  • It won’t replace your regular betaalrekening: You’ll still need a Dutch current account for things like direct debit payments and Tikkie. You can think of the Overnight Account as a home for your savings, not your day-to-day spending.

Are you still keeping your savings in a Dutch bank account, or have you switched to a platform that pays better? Let us know in the comments.

Dutch petrol prices break 2022 record: now over €2.50 per litre

Current petrol prices have broken the Netherlands’ 2022 record of €2.505 per litre. As of this morning, the price of petrol sits at €2.508.

As Iran continues to block the Strait of Hormuz, oil tankers in the region are unable to reach their destinations. 

According to UnitedConsumers, petrol prices are now above €2.50 a litre, higher than they were during the initial invasion of Ukraine in 2022. 

Despite these worrying numbers, the Dutch cabinet has indicated that an energy crisis is not necessarily imminent.

What’s happening?

As of last week, the Netherlands has joined other member countries in contributing oil from their reserves to the collective release organised by the International Energy Agency

This move will hopefully keep markets steady as issues regarding the Strait of Hormuz are resolved. 

The Dutch cabinet has indicated that it will closely monitor developments in the region. 

In the case of further escalation or disruptions, several plans to support consumers and keep energy prices from soaring are being discussed, according to Nu.nl

For now, though, the cabinet says there are no critical fears of a gas/petrol shortage, but things remain ‘uncertain.’

What can you do?

While it’s certainly good news that the cabinet is not expecting a crisis, consumers are still stuck buying higher-priced petrol till things are sorted. 

There are ways to keep your petrol expenses down, however. 

Some petrol stations are cheaper than others — unmanned locations, for instance, have lower prices, reports Nu.nl

Plus, petrol stations along highways are reportedly more expensive, so avoid them! 

Smooth driving also makes a real difference. Keeping a steady speed uses significantly less fuel than stop-start driving. 

And finally, though this may seem obvious, take advantage of public transport. Even if it’s a bit more inconvenient, at these prices, the bus is sure to help you out. 

Have you been affected by rising prices? Let us know in the comments!

Dutch temperatures to reach as high as 17 degrees again this week

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This morning is a cloudy one, but hold on tight. Today and Wednesday are set to be beautiful, sunny days with temperatures going up to 17 degrees.

As maart roert zijn staart (spring wags its tail), you may have already noticed that the air was milder this morning.

Aside from some lingering drizzle in the northeast, most of the country will stay dry today. According to RTL Nieuws, temperatures will start at around 5 degrees in the northeast and up to 10 degrees in the southwest.

But then? It’s terrasje time.

Up to 16 degrees expected today

However, this afternoon, sunny spells will start pushing through in the southwest and west, eventually creeping into the centre of the country.

The northeast and east? Stubbornly cloudy all day, thanks to a light to moderate southerly wind.

Clouds aside, temperatures are forecast to be balmy, with the south enjoying up to 16 degrees in the afternoon, cooling to 14 degrees in the centre, and 12 degrees in the northeast.

Making way for clear blue skies, the clouds will retreat by this evening. Although Friesland and Gelderland may cling to the cloud cover a little longer.

While most of the country will remain dry, do bring some layers to the terrace. Tonight, temperatures are expected to dip as low as 7 degrees along the coast and 5 degrees further inland.

Can’t make the terrace today? Try Wednesday

Sunshine is forecast across the Netherlands tomorrow. While the northwest will experience highs of up to 14 degrees, temperatures will soar up to 17 degrees in the centre and south of the Netherlands.

Specifically, around noon is the best time to step outside and soak up some sunshine.

@kimtachenyphotography When the sun comes out, the Dutch pour out on to the patios. #dutchlife #sunnyday #nederlands #haarlem ♬ sonido original – Julio Allendes

Don’t be fooled, though. It is still the middle of March, so the UV index will just be 2. You probably won’t get much of a tan.

How will you celebrate the sun? Tell us in the comments.

Investing vs saving in the Netherlands: What’s the right choice in 2026?

So you’ve built up some capital, and now you’re asking yourself the big question: should I save or invest my money in the Netherlands?

It’s a common crossroads, with interest rates jumping around, inflation pushing your grocery bill higher, and Box 3 continuing to confuse both internationals and lifelong Dutchies.

The good news? You don’t need a finance degree to figure out what to do. Your choice depends on a few simple things: how long you plan to keep the money untouched, how comfortable you are with risk, and how long you think you’ll stay in the Netherlands.

Let’s walk through it.

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Investing in the Netherlands

We all know how saving works, so let’s start with the more intimidating (and exciting) option: investing your money.

In fact, data suggests that nearly every Dutch household saves, but investing is a different story. Just a quarter of households invest — and the top 10% now control over half the country’s wealth.

That gap says a lot.

How investing in the Netherlands works for residents and expats

Most internationals can invest in the Netherlands without any issue. You’ll find a few popular paths:

  • ETFs or Exchange-Traded Funds (groups of investments such as stocks, bonds, or commodities that trade on a stock exchange)
  • Index funds
  • Robo-investing
  • DIY stock investing

Many people start with ETFs because they’re simple and diversified. If the idea of choosing individual companies terrifies you (fair), ETFs remove the guesswork.

man-sitting-on-couch-investing-money-from-his-phone-in-the-netherlands
Studies show that young adults invest more than the older generation. Image: Depositphotos

Pros and cons of investing

Investing is a rollercoaster, where things are calm one month and dramatic the next. But over many years, markets trend upward, and that’s where the power lies.

Pros:

  • Higher long-term growth
  • Helps protect your money from inflation
  • Compound interest allows your gains to grow further

Cons:

  • Short-term losses are normal
  • Requires patience
  • Panic or emotional decisions can sabotage progress

Dutch investment taxation (Box 3)

Before you get too far into investing, it helps to understand how the Netherlands taxes your assets.

Investments fall under Box 3, which uses an assumed return rather than your actual gains. The system works with a few “fictional” return bands, and investments are assigned a higher assumed return than cash-like assets.

This means you may be placed in a higher band if you hold significant investments. That sounds harsh, but here’s the important bit: long-term investment growth often beats both inflation and the Box 3 assumptions, so many investors still come out ahead over time.


How safe are investments in the Netherlands?

Investing doesn’t come with the same guarantee that savings do, but it isn’t a free-for-all either.

Dutch brokers follow strict rules set by the AFM (Authority for the Financial Markets). Many platforms also keep client assets in separate legal entities, so even if a company disappears, your investments don’t vanish with it.

It’s not absolute safety, but it’s a well-controlled environment.

Let op, internationals: if you move countries, your broker may not let you keep your account. Several platforms require you to close your account the moment your tax residency changes, so it’s worth checking before you commit.


Best investment platforms in the Netherlands

Your investment platform matters more than you might expect. Fees vary, apps differ, and some brokers feel like a friendly guide while others feel like a hectic aircraft cockpit.

Trade Republic: simple app with fractional investing

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

Trade Republic is one of the most user-friendly options out there. The app is clean, easy, and quick to get used to.

You can also buy fractional shares (meaning you don’t need €300 to buy a €300 stock), and the fees are minimal. It’s ideal for beginners who want a smooth, modern experience.


DEGIRO: low fees and a broad ETF selection

degiro-logo-best-dutch-banking-apps

DEGIRO is a favourite among internationals because it keeps costs affordable and offers access to a huge list of ETFs.

It’s perfect if you want to invest regularly without feeling like fees are eating half your returns. The interface is straightforward, though slightly more “finance-y” than other platforms.

 Disclaimer: Investing involves risk of loss.


Scalable Capital: automated plans and recurring investments

scalable-logo-best-dutch-banking-apps

Scalable Capital shines if you love automation. You can set up recurring monthly ETF investments, choose from flexible or “Prime” plans, and let the platform handle most of the work.

It’s especially good for people who want consistency but don’t want to manage every buy button themselves.


These options are beginner-friendly, inexpensive, and reliable for building long-term portfolios.

Saving for retirement, instead? A popular Dutch option is Brand New Day, which allows you to invest monthly in pension funds and offers tax benefits if you meet the conditions. It’s especially handy if your employer pension feels underwhelming and you want to build an extra layer yourself.

READ MORE | You should be supplementing your Dutch pension: here’s why (and how to do it) 

What to check before choosing an investment platform

A quick checklist:

  • Costs (fund fees + broker fees)
  • App experience (is it pleasant or painful?)
  • Customer support
  • Whether they allow foreign addresses
  • Safety structure
  • Extra features (automatic investing, fractional shares, Crypto, etc.)

However, your first platform doesn’t need to be your last, and it’s wise to review your setup once a year.


Saving money in the Netherlands

Now let’s look at the more predictable option.

Saving is extremely common here, with a whopping 95% of Dutch households opting to save, even if it’s just small amounts each month.

It fits the Dutch preference for stability and being prepared for whatever chaos life throws at you (a.k.a. stolen bicycles or appliances breaking at the worst time).

dutch-woman-buying-a-car-after-saving-money-in-the-netherlands
Nothing is quite as rewarding as saving up for that big purchase. Image: Depositphotos

How Dutch savings accounts work

Savings accounts with Dutch banks are simple and highly secure, and they work pretty much like elsewhere in the world:

  • You earn interest
  • You can access your money whenever you want
  • Deposits up to €100,000 per bank are protected by the EU’s Deposit Guarantee Scheme

That guarantee alone is enough to make many people stick with saving rather than investing.

Pros and cons of saving

Savings give you stability, but not much growth.

✅ Pros:

  • Safe and predictable
  • Perfect for emergencies
  • No market swings

❌ Cons:

  • Low long-term returns
  • Inflation slowly reduces the value
  • Not ideal for wealth-building

Dutch savings interest rates

Savings rates in the Netherlands vary, but generally you can expect:

  • 1% to 1.7% at most major Dutch banks
  • Higher rates from online banks or platforms like Raisin

Inflation often exceeds these rates. Even as your account balance increases, the amount you can buy may decrease.

inflation-vs-dutch-savings-rates-graph
Image: DutchReview

Taxes on savings (Box 3)

Savings are also taxed under Box 3 using assumed returns. Smaller balances aren’t hit very hard. Larger balances may face higher deemed-return percentages. It’s worth understanding once you move from “starter savings” to larger amounts.


Best savings accounts in the Netherlands

Not all savings accounts are created equal. Some banks offer convenience. Others offer much better interest rates. Choosing the right one makes a real difference.

bunq: feature-rich, modern banking

bunq-logo-with-rounded-corners-dutch-bank

Dutch neobank bunq is popular among internationals because it’s fast, modern, and very user-friendly. You can open multiple “pots,” set up automated saving, and track spending with playful visuals. 

With a 2.01% interest rate, its savings rate is higher than that of traditional banks, and the app experience is one of the best in the Netherlands.


Trade Republic: best high-yield savings account

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

At 2%, Trade Republic offers one of the highest flexible savings rates available in the Dutch market, especially compared to big traditional banks. 

Money is held in partner banks within the EU’s deposit guarantee system, and interest is paid monthly — a big plus if you like watching your balance tick upward.


Raisin marketplace: highest-rate savings rates across Europe

raisin-logo-bank-savings-account-netherlands

Raisin isn’t a bank itself but a platform that gives you access to dozens of EU banks with far higher interest rates than Dutch banks typically offer. 

With rates up to 2.69%, you can always switch accounts when better rates appear, and everything stays under the €100,000 EU deposit guarantee per bank. It’s ideal if your priority is the best return rather than the prettiest app.


READ MORE | Dutch savings accounts: Best interest rates in the Netherlands in [June year]

What to check before choosing a savings account

  • Interest rate
  • Withdrawal limits (if any)
  • App and website usability
  • Deposit guarantee eligibility
  • Transfer speed

The best savings account is the one you actually use consistently and review annually.


Saving vs investing in the Netherlands: which is better?

You guessed it, there’s no single, definitive answer, but here’s the general rule:

  • Saving protects your money.
  • Investing grows your money.

Both have their place, but they do different jobs.

Liquidity, risk, and returns

CategorySavingInvesting
LiquidityHighMedium
RiskLowMedium to high
Expected returnsLowHigher

Example: saving vs investing €100 per month

If you save €100 a month for 20 years at a 1% interest rate, you’ll end up with about €26,600.

If you invest €100 a month at a conservative average of 5% growth, you get around €41,000.

At 7% growth? Around €52,000.

graphic-displaying-chart-comparing-investing-vs-saving-100-euros-a-month
Image: DutchReview

Keep in mind that inflation may reduce the real value of savings, while investments generally outperform inflation over time.

When saving is the better choice

  • Short-term goals (holidays, emergency fund)
  • Expected big expenses in the next 2–3 years
  • Nervousness about risk

When investing is the better choice

  • Long-term goals
  • Retirement planning (Brand New Day is a common option for this)
  • Generating real growth
  • Beating inflation

For expats, long-term planning also depends on your future location, so think about how your pension and investments may be affected.


How to decide between saving and investing in the Netherlands

Choosing the “right” path depends on a few key factors.

  • Your time horizon: Short-term needs = saving, long-term goals = investing.
  • Your risk tolerance and financial stability: Are you okay with seeing your balance drop sometimes? If not, stick to saving. If you can ride out market bumps, investing works in your favour.
  • Your goals as an expat in the Netherlands: Will you stay here long-term? Do you plan to transfer money back home? Do you have multiple tax systems in your life?

If you plan to stay for years, investing becomes a practical tool. If your life is more temporary, saving may suit you better for now.


Saving is safe, while investing builds wealth. Most internationals benefit from doing a bit of both.

You can start by building a comfortable emergency fund. Once that’s sorted, investing becomes a practical way to grow your money over the long term.

Your situation will change as your life in the Netherlands evolves. Review your setup periodically, adjust as needed, and keep moving forward. 

Do you have any tips on saving and investing in the Netherlands? Leave them in the comments!

Saving vs investing in the Netherlands: Frequently asked questions

Is it better to save or invest in the Netherlands in 2026?

How much should I keep in savings?

Can internationals invest easily in the Netherlands?

Is now a good time to invest or save?

Do I pay different tax rates on savings and investments?

Can I invest for retirement as an expat?

What if I move countries later?

Explosion at Amsterdam Zuidas office, days after attack on Jewish school

On Sunday night, an office building in the Zuidas caught fire as a result of an explosive device. Though security guards immediately extinguished the fire, this marks the third explosion that has struck the Netherlands in less than a week.

According to NU.nl, the attack was directed at the Bank of New York, an American company that operates from the Atrium.

This incident follows an attack on the Cheider Jewish School in Amsterdam on Friday night and at a synagogue in Rotterdam on Thursday night.

Who is behind the attack?

Although the footage has not yet been verified, a new Shiite group called Harakat Ashab Al Yamin Al Islamiyya (Islamic Movement for Righteous Companions) has shared a video of the most recent explosion.

The video reads, “This is a final warning to all the peoples of the world, especially in the EU.” It adds, “Distance yourselves from all American and Zionist interests.”

Luckily, no one was injured in the Atrium. However, as of now, there are no suspects for this attack.

A string of attacks

The Islamic resistance group has claimed responsibility for multiple incidents last week.

On the night of March 13, a synagogue in Rotterdam was set on fire. While there were no casualties, NU.nl reported that four suspects were arrested. All teenage boys between 17 and 19.

The night after, an explosion struck the outer wall of the Cheider Jewish school in Amsterdam.

Mayor Femke Halsema tells CNN, “This is a cowardly act of aggression towards the Jewish community.”

The group’s name also appeared in footage from an attack on a synagogue in Liège, Belgium, on the night of March 8.

“Antisemitism epidemic”

After the attacks against Jewish establishments in the Netherlands, the Israeli Foreign Ministry wrote on X, “The Dutch government needs to do much more to fight antisemitism.”

Hours before, Prime Minister Rob Jetten said he wanted to speak with the Jewish community in the Netherlands about the attacks.

Translation: “Terrible. There must be no place for antisemitism in the Netherlands. I understand the anger and fear and will enter into dialogue with the Jewish community shortly. They must always feel safe in our country.”

Meanwhile, police are asking witnesses or anyone with more information about the explosion in Amsterdam Zuid last night to get in touch. Know something? Call 0900-8844.

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Intensive, semi-intensive or bi-weekly: This Amsterdam-based Dutch language school offers it all

From your job prospects to making friends and being able to communicate with others in your day-to-day life, learning Dutch is a huge asset when you’re living in the Netherlands. 

However, I understand how important it is to pick the right Dutch language school for you — does a language school teach a course that suits your language level? Do they offer lessons that fit into your schedule?

Dutch Courses Amsterdam knows that many of its students face these struggles, which is why they offer a large variety of schedules and intensities to fit your personal learning style, language level, and availability. 

Frustrated-man-trying-to-learn-dutch
Learning a language could be at the back of your mind when you worry about time, level, and availability. Image: Depositphotos

Let’s get into exactly what Dutch Courses Amsterdam has to offer for an eager international like yourself. 

Choose from an array of course types

While every Dutch language school has its way of structuring courses, Dutch Courses Amsterdam has a wide selection of course types to choose from.

Whether you’re looking for intensive or bi-weekly courses, online or in-person classes, one-on-one lessons or group courses, Dutch Courses Amsterdam has a space for you.

Three-students-standing-around-a-laptop-and-books-studying-Dutch
You can find the learning arrangement that fits your style and availability best — for example, private lessons! Image: Depositphotos

Chosen a course type? Fabulous. Once you know what type of course you want, it’s important to choose the right language level for you. 

For higher language levels, Dutch Courses Amsterdam does intakes (level assessments) to make sure you’re proficient enough to take the course.

Dutch Courses Amsterdam is equally flexible when it comes to the level of Dutch you want to learn, offering courses from levels A0 to C1.

Nothing on during the day? Free your evenings with an afternoon course

If you have a flexible schedule in the afternoons or prefer to keep your nights free, you can take an afternoon Dutch course with Dutch Courses Amsterdam. 

Dutch Courses Amsterdam teaches these classes at their central location from 4:30 PM to 6:45 PM three times per week, on Mondays, Wednesdays, and Fridays. 

photo-of-students-in-Dutch-courses-Amsterdam-afternoon-class
If you’re busy or work during the evening, Dutch Courses Amsterdam also offers afternoon courses. Image: Depositphotos

These semi-intensive courses run for a total of four and a half weeks. 

This course is perfect if you’ve got a little time in the afternoon to spare or want to learn Dutch without having to dedicate your evenings to a class. 

Night owl? Join an evening course! 

Perhaps you’re a hustling professional and want to squeeze in some time for a language lesson. Dutch Courses Amsterdam also offers the option for extensive Dutch courses later in the evening. 

Woman-taking-evening-Dutch-courses-with-Dutch-courses-amsterdam
If you prefer working at night, Dutch Courses Amsterdam offers courses later in the evening. Image: Depositphotos

These classes take place from 7 PM to 9:15 PM on both Mondays and Wednesdays or Tuesdays and Thursdays and run for seven weeks. 

Evening courses are available both online and offline for a gezellige group of seven students, where you’ll be learning Dutch at a less intense speed. 

Part of a group? Take a tailored course to suit your needs

If you like the idea of doing classes with your colleagues at work, your group of international friends or any other large group of people, Dutch Courses Amsterdam offers group courses that are easily adapted to fit your needs. 

group-of-colleagues-studying-together-at-dutch-courses-amsterdam
You could opt for a group course with your colleagues at work — now, you won’t have to learn Dutch alone! Image: Depositphotos

With these personalised courses, you can adjust the structure, format, and frequency of the course and pick the level of Dutch you want to learn. 

If this sounds like the course for you, reach out to Dutch Courses Amsterdam to discuss the best way to structure your course!

Prefer studying remotely? Enrol in an online course

On the other hand, if you’ve gotten comfortable with online Zoom lessons or prefer learning from the comfort of your own home, an online course could be suitable for you.

Woman-taking-an-online-dutch-class-with-dutch-courses-amsterdam
Sometimes it’s more convenient to learn Dutch at home. Image: Depositphotos

Online courses can be taken in the evening in more extensive classes twice a week. 

This option is definitely handy if you are working from home or can’t travel to and from their Amsterdam location easily. 

Want to have solo time with your teacher? Go for private or duo lessons

If you’re not a fan of big classes or prefer to have all of your teacher’s focus and attention, you can opt for a one-on-one Dutch course or take classes with one other person. 

Two-students-learning-dutch-together-in-duo-course
Who doesn’t love the idea of a group study date with your friend? Image: Depositphotos

You can get in touch with Dutch Courses Amsterdam for a tailor-made programme at your own level, schedule, and frequency. 

Prefer learning in short, intense bursts? Take an intensive course

Whether you’re short on time, want to learn Dutch extra snel (fast), or just like working at a faster pace, an intensive course might be the one for you. 

Dutch Courses Amsterdam offers an intensive course occurring every weekday from 10:15 AM to 2:15 PM for two weeks. 

Students-doing-an-intensive-dutch-course-with-dutch-courses-amsterdam
Intensive courses are great if you’re ever in a time crunch. Image: Depositphotos

You can choose to do the course from A0 to B2 and in-person or online, in small groups with a maximum of seven students. 

I know what I want, how can I sign up?

Easy, just get in touch! You can drop an email or call Dutch Courses Amsterdam to request information on a course of your choice through their contact page. 

Check out Dutch Courses Amsterdam’s host of courses and find the one that suits you best. 

Have you taken a Dutch course before? Tell us about it in a comment below!

This Dutch startup wants to replace lampposts with roads that glow in the dark

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Unfortunately, poor visibility during fog is a tale as old as the car. What if the road just… lit up?

In Helmond, a tech company based in the Netherlands has installed the world’s first road markings that light up in the dark.

In collaboration with road marking specialist Tpaint and infrastructure company Heijmans, Luxene has successfully debuted its “Guidance Light Lines” on a stretch of road at the Automotive Campus in the Brainport Region of Eindhoven.

How it works

Most road markings only become visible when a vehicle’s headlights hit them at the right angle. However, in the heavy rain and fog that Dutch roads know all too well, that is not enough.

Luxene’s system takes a different approach. Instead of reflecting light, the markings generate their own.

photo-of-road-marking-material-being-poured-into-the-road
These are not your usual painted road lines. Image: Supplied/Luxene

How, you ask? Optical fibres are sewn into the road marking material during its production, and a light source mounted outside the road surface feeds into those fibres. This distributes light along the full length of the road, making sure it glows in the dark, unfettered by foggy conditions.

Since the light source sits above the tarmac, the road itself needs no electronics — keeping maintenance simple.

Why it matters

The energy consumption of the Guidance Light Lines is about 30% lower than that of normal street lighting, according to Luxene.

As the light is directed at the road rather than the surrounding area, there is considerably less light pollution.

photo-of-illuminated-road-markings
See for yourself! Image: Supplied/Luxene

Meanwhile, the camera-based systems in cars that struggle when visibility is poor find a reference point in the glowing line that is built into the tarmac, preventing the need for blind driving.

Maarten Tobias, CEO of Luxene, says, “This pilot marks a fundamental change in infrastructure. This makes roads safer, with lower energy consumption and minimal impact on the environment.”

Ready to roll out

The bigger question: will all roads now look like this? Well, it is possible.

Installation was carried out using standard equipment and materials already approved for road use, meaning roads will not need to be rebuilt for this solution to be applied at scale.

Henri Nas, Director of Road Specialities at Heijmans, says, “From an integration perspective, this pilot confirms that Luxene’s solution can be efficiently applied within existing construction and maintenance processes.”

Luxene has confirmed the system works on roads, cycle paths, industrial sites, and airports, but an official tender is yet to come.

Given the Netherlands’ track record of leading on road safety innovation, glowing bike lanes may not be as far off as they sound.

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