They do so with the ease of a cyclist chaining up their bike โ sure, if they miscalculate, they’ll find themselves stuck in a car submerged underwater โ but they’re Amsterdammers, so that won’t happen.
Youโve probably heard the whispers (or maybe your savvy neighbour told you): groceries are cheaper outside the Netherlands. Well, weโre here to confirm that the rumours are true!
In a new report, the consumer protection organisation highlighted three countries with enviably low grocery prices for Dutch residents: Belgium, Germany, and drum rollโฆ France.
But how much cheaper are we talking, and is it actually worth the trek? ๐ค
Belgium: 12% cheaper on average
If you fill up your shopping trolley with 100 products at Albert Heijn in Belgium, youโll pay about โฌ90 less than you would in the Netherlands (โฌ322 vs. โฌ412). Now, thatโs a lot of extra cheese!๐งย
But when it comes to A-merken, the price difference isโฆ meh. Budget brands (huismerken), on the other hand, are where the real savings are. ๐ธ
What are huismerken and A-merken?
Huismerken refers to a supermarket’s own-brand products, such as AH from Albert Heijn or 1 de Beste from Dirk. Typically, these offer the most bang for your buck.
A-merken, on the other hand, are products from well-known brands like Coca-Cola or Pringles and tend to be more expensive.
Germany: 15% cheaper on average
In Germany, youโll be paying an average of 15% less on groceries than in the Netherlands, with A-merken around 25% cheaper.
However, budget brands in Germany arenโt always cheaper, with price differences between A-merken and huismerken barely noticeable.
And, while the Netherlands might love a โ1+1 gratisโ (buy one, get one free) deal, compared to German prices, itโs not that โgratisโ after all. Germany also has regular offers, so prices drop even lower. Your shampoo stash will thank you. ๐
France: 20% cheaper on average
If Belgium and Germany have got you curious, France is here to blow your socks off. ๐งฆ A-merken in France can be up to 28% cheaper on average. Oui, really!
Weโre talking massive savings on the likes of Pringles, Nutella, and Heineken. You might even pay less than half the Dutch price for detergent, pasta, soft drinks and other A-brand goodies.
But thereโs a catchโฆ ๐
Itโs only sunshine and savings if you live near the border. For our Amsterdam folks (or anyone not in a border town), that “cheap” French Nutella might end up being more expensive once youโve factored in your petrol costs.
Ever crossed the border just to stock up at DM? Tell us in the comments!
With Dutch summers heating up, it looks like we are all going to be running for the beach, canals, or lakes at some point.
However, before we douse ourselves in sunscreen and break out the inflatable flamingos, it’s important to consider the hazards that come with swimming in the Netherlands.
The Netherlands might not seem like a wild and dangerous location, but many have been caught in dangerous waters in recent years.
From thousands of rescues to the deaths of teenagers, fathers, and even experienced lifeguards โ the North Sea has proven unexpectedly dangerous again and again.
Of course, this shouldn’t stop you from cooling off and jumping in โ but take note of the hazards below, follow the directions of officials, and know what all those weird flags mean.
Here, we’ve rounded up the hazards you need to know about when swimming in the Netherlands.
Hazards at the beach in Holland
If you decide that a Dutch beach is the place to be on a hot day, it’s often difficult to keep those pesky hazards in mind when youโve got your toes in the sand and the sun on your back.
In the heat of summer, Dutch beaches can be great, just be safe. Image: Depositphotos
Not only do you have to be mindful of murky waters and boats, but there are further hidden dangers.
Riptides in the Netherlands
Riptides are to blame for many of the water-related deaths and accidents that have occurred along the Dutch coastline.
A riptide is a powerful current of water that can drag you out to sea โ even worse, they are often invisible to the unseasoned beachgoers.
Riptides often occur between sandbars, which are bountiful along the Dutch coastline.
Help! I’m stuck in a riptide, what should I do?ย
The key to avoiding a fatal encounter with a riptide is to go with the flow. If you should find yourself being pulled in one direction then it is best to swim with the current rather than against it.
While this may feel like the wrong thing to do, it is best to reserve your energy (even if that means moving in the opposite direction of where you want to go.)
Float with the current, then try to swim parallel to the shoreline.
Dangerous sea foam in Holland
Danger is probably the last thing you think of when you look at the word foam. However, in spite of its bubbly nature, sea foam has proven to be fatal in the Netherlands.
In May 2020, five surfers tragically lost their lives in Scheveningen.
Many were shocked that five experienced surfers (some of whom were also internationally trained lifeguards) could drown in the same area on the same day.
It’s believed that a thick layer of sea foam in Holland at the time presented a hazard for them while swimming.
How to swim safely on Dutch beaches
Whilst the dangers are real, this doesnโt mean that you shouldnโt enjoy a bit of water during this heatwave. Here are some tips for safe swimming.
Scheveningen is one of the most popular beaches in the Netherlands. Image: Depositphotos
Follow the flags on the Dutch coastline
In life, we are always on the lookout for red flags, and this is a philosophy that should also be carried to the beach.
Lifeguards in the Netherlands will usually alert beachgoers of swimming hazards and conditions through the use of colour-coded flags, so keep your eyes peeled!
Red flags
We don’t mean the dating kind. A red flag along a shoreline means that you should not enter the water unless you want to face the embarrassment of having the Coast Guard escort you back out.
It’s entirely prohibited to swim when red flags are raised.
Yellow flags
Yellow flags indicate that you are allowed to swim, but the conditions have been deemed dangerous due to strong winds or currents.
Orange windsock
An orange windsock (not an actual sock) indicates that any inflatable unicorns, crocodiles, flamingos, or just plain old air mattresses must stay onshore.
This is because wind levels are considered too high, and as a result, anyone who takes a little nap on their inflatable, beverage in hand, is in danger of drifting out to sea.ย ย
Half-red/Half-yellow flags
Finally, half-red, half-yellow flags mark out the areas within which a rescue brigade will be on the watch.
You can consider it safe to swim here, but stay between the flags and within sight of the lifeguards.ย
Translation: “If you are at the beach, be careful when swimming in the sea! Follow the directions of the #RescueBrigade and watch out for the flags!”
Where else can I swim in the Netherlands?
Perhaps you want to be savvy and avoid the inevitable traffic jams (both vehicular and human) that are found along the Dutch coastline in hot weather?
Perhaps you and your friends have decided it will be easier to simply hop into a nearby canal or lake? That, you can do โ but a few warnings first.
TIP: Use the website or app Zwemwater to find nearby alternative swimming spots.
Hazards when swimming in canals in Holland
You may be wondering if it’s possible to skip the beach and just hop in your nearest canal. Technically, yes โ but it’s not that simple.
Firstly, donโt dive into canals
God only knows whatโs hidden in those murky waters. Perhaps there are only a few feet between you and the river/canal bed!
You can take a dip in some Dutch canals, but not all. Image: Depositphotos
Furthermore, any seasoned resident of the Netherlands knows that the bottom of the canal often serves a dual purpose: it is both a waterway and a graveyard for poor, unfortunate bikes.
The last thing you want is to resurface with a rusty wheel spoke through your hand (and yes, it happens).
Be wary of the canal water quality
Historically, canals were a dumping ground for rubbish and sewerage โ yuck!
Generally, it’s not recommended to swim in Amsterdam’s canals, but the rules vary by city and time of year.
Swimming in canals can have risks โ E. coli and enterococcus can be present. Always check the water quality where you’re going on the Zwemwater website or app.
Check if it’s legal first
In many cities, it is not necessarily illegal to swim in canals and rivers, but it might be strongly discouraged by both the police and the Rijkswaterstaat for safety reasons.
For example, swimming is not permitted in many of Amsterdam’s canals due to their classification as boating ways (vaarwegen).
Certain boats, and particularly barges, will struggle to see a person swimming in the water if they’re too close.
While you wonโt end up in a prison cell if you decide to take a dip in the nearest canal, it’s worth noting the unseen hazards when swimming in canals in the Netherlands.
Before swimming in lakes in the Netherlands, you need to check the water quality. Image: Vincent van Zeijst/Wikimedia Commons/CC3.0
Dutch lake swimming hazards
The Netherlands has some great lakes around that are perfect for cooling off, but always double-check water quality first.
Blue-green algae is a problem in the Netherlands, and can make you seriously sick! Lakes are also not often populated by lifeguards, so make sure you’re with a friend if you take a dip.
Whether it be in the canals or in the ocean, the dangers of swimming are ever-present. However, that doesn’t mean that we should let ourselves bake inside our air-conditioning-less houses.
Enjoy the Dutch summer while it lasts, just be mindful of your safety while doing so!
Will you be heading for the coastline or canals? Let us know in the comments below!
There are some things the Dutch don’t talk about that they really, really should. What on earth is in ‘bitterballen’? And why is the Netherlands a tax haven?
From the absence of curtains to the unspoken presence of colonialism, the Dutch really should address some of these things.
That being said, we don’t address Sinterklaas and his problematic helper, because that’s a whole other conversation on its own.
1. Curtains: Why don’t they close them?
Listen. In most countries, people close their curtains when night falls, because the darkness outside means that everything you do inside your house can be seen from outside.
Completely wide open? Just like that? For all to see? Image: Depositphotos
For better or worse, Dutch people tend to keep their curtains open in the evening, especially in their living and dining rooms.
You can see families chatting, eating together, or watching TV as you stroll through the city, which is lovely. But also… unique. Why don’t we talk about this more?
2. Bureaucracy: Never a topic at the Dutch dinner table
There’s no doubt that a little bit of bureaucracy is great. Even a lot of bureaucracy is great. But the Netherlands goes way too far on this front, and many internationals, especially, struggle with it.
It seems like a bad joke at first when you realise, OK, I need a fixed address to get a BSN, which I need for my job, which I need to afford… the fixed address.
Dutch people might not talk about bureaucracy, but we internationals sure do. Image: DutchReview/Supplied
Alas, it is true, and it is a struggle. Dutch people, though, don’t ever talk about this! Presumably, those of us from somewhat disorganised countries just aren’t used to this level of organisation.
Or maybe it’s because the Dutchies have been indoctrinated since birth to tell the government everything about themselves…
3. Feminism: The Netherlands is not top-ranking
The Netherlands prides itself on its gender equality and generally on its progressive values. However, discussions on feminist issues in the Netherlands regarding gender equality do not happen very often.
There is a real danger in being too complacent and self-satisfied with past progress for these issues. The Netherlands still has room for improvement, and talking about feminism is just the beginning.
4. We’re sinking! Does anyone want to address this? No?
Look, we understand why you’d want to ignore this one. No one wants to think about being accidentally underwater, but science has shown that the Netherlands is slowly sinking. Will we survive? Maybe.
With sea levels set to rise as a result of climate change, it’s weird that most Dutchies don’t talk about the distinct possibility of, well, being underwater soon.
We’re confident that the Netherlands, famed for its innovation and sustainability, will come up with a great solution when they eventually start talking about this.
5. Dutch colonialism: The historical elephant in the room
As is the case with most former colonial powers, the Dutch don’t talk about colonisation nearly enough.
Standing in the shadow of the VOC Image: Depositphotos
Of course, on closer inspection, these eras were as full of exploitation and racism as art, trade, and nationalism.
But this makes the Dutch go rather quiet, even in museums like the Rijksmuseum, which won’t stop using the term “Golden Age”. ๐
6. The Netherlands is a tax haven: Shhhh!
Another awkward one: the Netherlands is an internationally renowned tax haven, which is not something that we ought to shout about proudly.
But talk about it? Sure, if it’s ever going to change.
The Netherlands has created an effective strategy for encouraging foreign investment: offering multinational companies an enticing package of subsidies and tax breaks if they choose to locate here.
Is this out of grief? Perhaps. But it may also be because there is a dark secret behind the ingredients of the nation’s favourite snack โ bitterballen.
We wouldn’t study their content too closely, but we also can’t stop eating them! Image: Depositphotos
Usually eaten alongside a few drinks (so you forget to wonder what you’re eating), Dutch people point-blank refuse to tell you what is in these salty, fried, vaguely meaty snacks. ๐
OK, we admit it. This might be one thing we’re kind of glad that Dutch people don’t talk about. No one REALLY wants to find out and have to say goodbye to these (potentially snail-filled) snacks.
What other things do the Dutch not talk about that you think they should? Tell us your thoughts in the comments below.
Mourners carrying a coffin through Zorgvlied cemetery in Amsterdam. Image: Hans Peter/Wikimedia Commons/CC1.0
Rather than buying a grave, in the Netherlands, itโs common to rent a grave space for up to 20 years, and then have the remains relocated to a communal grave.
This is mostly due to a lack of grave space in the Netherlands. The estimated number of occupied graves currently sits at 2 million, with each grave containing two or three bodies.
With such high demand for grave space, itโs common for families to have general graves in which up to three coffins are buried on top of each other.
This allows for them to keep their loved ones together in death, without taking up that much space.
However, even though families can choose to rent a grave rather than purchase a plot, the price of this can still be steep.
For example: The most expensive lease for a grave for up to 30 years is in Esserveld cemetery, which will cost you an eye-watering โฌ7,000. ๐ฒ
You can still go budget-friendly, though! The cheapest grave rental rests at โฌ456 in Littenseradiel.
2. You can apply for assisted suicide
Euthanasia can offer patients a solution to their low quality of life. Image: Freepik
In the Netherlands, patients suffering from chronic health issues can request to be euthanised if they feel that it is the only solution to end their pain and low standard of living.
While a sad solution, it does offer patients and their families some peace of mind.
Children under the age of 16 can also request to be euthanised, but need their parentsโ approval.
The compostable coffin, also known as a โliving coffinโ, was designed by a Dutch start-up and now offers a more sustainable alternative for those who are buried in the Netherlands.
The coffin, made out of fungus, biodegrades. This boosts the natural process of the breakdown of the body, helping to integrate the body back into the environment and soil.
Fun fact: When using a normal wooden coffin, it can take the body up to 20 years to decompose, but when buried in a biodegradable coffin, the decomposition of the body can take only three years.
4. You can choose to have a natural burial
With a natural burial, you can be re-integrated into nature. Image: Depositphotos
While we stay on the topic of burials that benefit the environment, in the Netherlands, you can choose to have a โnatural burialโ, such as in a forest.
People who choose to do this are laid to rest without a coffin.
Instead, they are wrapped in a shroud, and the body is left to biodegrade into the soil, once again becoming part of the earth and the natural cycle of life.
However, those who choose to do so canโt have a gravestone to mark their resting place. In place of this, they can choose to plant a tree over the grave or to have a simple inscription as a marker.
Seems like a sweet and simple way to be laid to rest and return to the soil. ๐ผ
5. Thereโs a service that writes poems for those who died alone
Overwhelming in its beauty, sadness, generosity, grace and crusty Dutch/Belgian humour. The Lonely Funeral Project is just wonderful pic.twitter.com/jZbAh8dVDX
This oneโs a sad but uber kind one; thereโs a service that writes poetry to remember the people who had no friends or family to attend their funerals.
Established in 2002, the Lonely Funeral Foundation was created to respect the dead and remember their lives.
According to their website, the main goal of the foundation is to โoffer the unclaimed lonely dead a dignified and respectful valediction.โ
Though we wouldnโt like to think that weโd have no friends or family to remember us after we passed, itโs a comforting thought to know that someone, somewhere, will be thinking of us.
Plus, the poetry is just beautiful! ๐
6. Most people choose to be cremated in the Netherlands
Scattering a loved oneโs ashes somewhere they loved can be a sentimental activity. Image: Depositphotos
In 2019 alone, 66.95% of the people who died in the Netherlands were cremated.
Cremations can also be a sentimental choice for many families.
Youโre not bound to the space of a grave for mourning purposes, scattering a loved oneโs ashes in their favourite spot can be a cathartic and loving way of saying, vaarwel.
This option is also quite a bit cheaper than burial, costing between โฌ725 and โฌ1,000.
7. Organ donation in the Netherlands
At the age of 18, all Dutch citizens receive a letter asking them to opt in or out of organ donation. Image: Depositphotos
In most countries, people can choose whether or not their organs will be donated to those in need after their passing.
For the Dutch, however, itโs slightly different. They receive a letter on their 18th birthday giving them the option to choose whether they would like to become part of this scheme.
If they fail to respond to this letter, after death, their choice will be marked as having โno objection to organ donation.โ
This means that, in the Netherlands, unless you explicitly state that you donโt wish to donate your organs after death, itโs taken as a given that your (presumably) healthy kidneys are up for grabs!
While it may sound a bit morbid, we can find solace in the knowledge that we are contributing to the prolonged life of another human. Thatโs something to celebrate, anyway!
8. You are buried no more than six days after death
According to Dutch law, a person’s remains must be disposed of no less than six working days after death. Image: Freepik
Well, either buried or cremated. The Dutch like to organise funerals quite soon after the death of their loved ones, offering time to gather together and mourn their loss.
With Dutch funerals, a wake is usually organised, and is very much a family affair.
Held most commonly in the home of someone close to the deceased, the wake offers a moment to somberly reflect on the life of the person who has passed.
However, it is actually a law in the Netherlands that a personโs cremation or burial occurs no more than six working days after their death.ย
A quick turnaround, but at least once all the chaos of planning is over, the family can grieve in peace.
Hopefully, weโve given you some clarity on what to expect if you or a loved one ever passes away in the land of the Dutch โ or perhaps even just a bit of niche cultural insight.
What do you think is the weirdest thing about dying in the Netherlands? Tell us your thoughts in a comment below!
The east of the country is heading straight back to tropical territory, with highs of 37 degrees Celsius. The central regions won’t fare much better, with temperatures hovering around 32 to 33 degrees Celsius.
Only the (far) west might fall just short of 30 degrees, with temperatures gradually cooling down.
Thunderstorms are looming
Around late morning or early afternoon, things will begin to shift.
In the west, the wind will turn to the northwest and strengthen (up to wind force 5 at sea), dragging in cooler air and building up clouds. ๐ฌ๏ธ
As the west cools down, the centre and southeast keep baking, setting the perfect stage for serious thunderstorms.
And what does this mean for you? Well, you can expect gusty winds, hail, and downpours with a risk of local flooding.
The KNMI has just announced a code yellow weather warning for storms in the eastern half of the Netherlands, with the existing code orange alert for heat still in effect for the southeastern regions. โ ๏ธ
From sizzle to sigh of relief
By tonight, the last storms will rumble off to the east, and calm will return across most of the country.
Temperatures will drop to a more comfortable 18 to 23 degrees, offering some much-needed relief.
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.
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.
The platform has been praised for being very easy to use, and the low fees and good customer service make DEGIRO stand out in the crowd of Dutch investment apps.
DEGIRO is ideal for those who are testing the waters of investment. You can even choose specific companies to put your money into if youโre feeling confident.
โ Pros:
Low fees
Easy to use
Commission-free ETFs (conditions apply)
โ Cons:
Forex, CFDs, and crypto not available for investment
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.
Even better? In addition to buying and selling Dutch and international stock, the app lets you 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.
Enjoy a healthy interest rate with Scalable. Image: DutchReview
With its clean aesthetic, up to 2% interest rate on cash, and multiple smart tools, Scalable is the perfect investment app for someone looking to do a lot with their savings. Think of it as the Swiss knife of investment apps.
With this, you can enjoy commission-free trading for orders over โฌ250 and trade as much as you want for just โฌ4.99 per month โ meaning you’re free to do whatever your heart desires with your money (responsibly, of course).
โ Pros:
Enjoy a 2% interest rate on savings
Investing explained in a smooth and easy way
Helpful tools to monitor your investments
Offers commission-free trading from โฌ250 order volume with a PRIME+ package
โ Cons:
App uses a lot of investment lingo that may not be beginner-friendly
Peaks makes it easy to look at your investments. Image: DutchReview
Peaks is a beautifully designed Dutch investment app with a reputation for being beginner-friendly and a focus on sustainable investment.ย
You can invest as much or as little as you like โ anything from life savings to spare change is allowed, and you can even invest automatically.
We especially liked their round-up feature: bought a coffee for โฌ3.25? Congrats, your purchase is now โฌ4.00, and โฌ0.75 has just been added to your investment portfolio. What a win!ย
โ Pros:
Easy to invest in sustainable index funds
The platform has a reputation for being accessible and beginner-friendlyย
No transaction costs
Automatic investmentย
โ Cons:
More expensive than some competitors, especially for smaller investments
eToro is an ultra-international investment platform. Image: DutchReview
Although eToroโs non-trading fees are somewhat higher than other investment apps in the Netherlands, this app also lets you buy stocks commission-free (with some exceptions), making it a worthy competitor in the world of Dutch investment apps.
On the more unique side of things, eToro brands itself as the worldโs most social investment platform, and they might just be right.
The interactive community platform gives investing a whole new feel and makes it easy to seek, give, and apply good advice from other investors. Think: social media meets investing.
โ Pros:
Social trading
Demo account possible
Comprehensive educational resources are availableย
Bank disruptor bunq has turned its hand to investing, all in the same app. Image: DutchReview
Self-labelled โbank of the freeโ, bunq is all about making your financial life as straightforward and sustainable as possible. Best of both worlds, much?ย
bunq Stocks is a straightforward investment function built directly into the bunq app. It’s great for keeping a neat overview of your cash flow and investments โ all in one place.
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, you can get started with as little as โฌ10.
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, commission-free trading, and (fractional) investment opportunities at as low as โฌ1, Revolut stands out as a beginner-friendly platform in the world of finance apps.
โ Pros:
Commission-free investment 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 youโre a beginner who doesnโt 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 aย Box 3 wealth taxย on investments, so be aware of potential tax obligations.
There are heaps of financial blogs, platforms, and YouTube channels thatย 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:
โ A validย Dutch or EU ID, or a residence permit or an international passport โ Aย Dutch bank account โ Proof ofย residence in the Netherlandsย (such as a utility bill) โ 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 โฌ10-โฌ50.
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?ย
DeGiro and Peaks are both great Dutch investment apps, particularly due to their low fees, accessible and user-friendly designs, 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, itโs worth noting that XM, HotForex, and IQ Option are international favourites among Dutch people.ย ย
How can I invest in the Netherlands?ย
Internationals and expats can easily invest in the Netherlands โ 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 donโt speak Dutch?
Yes! Most investment apps in the Netherlands know that they have huge international audiences, so DeGiro, Peaks, 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, Peaks, 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!ย ย
Is it smart to invest in the current Dutch economy?
Investing always comes with some risk, and itโs important to read up on the ins and outs of your investment plans before going in head first. 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.ย
So for most people, investing long-term is a good way of putting the extra money (even if itโs just pocket change) away, which might actually earn you money, not the other way around.ย
Can I invest ethically and sustainably in the Netherlands?
So you want to get into the investment game, but you donโt 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.ย
Most Dutch banks have sustainable savings alternatives, and the Dutch government has established so-called โgreen bondsโ for the increasing number of climate-minded investors in the Netherlands.ย
What are some useful resources for someone getting into investing?
If youโre new to investing, or if you just need a refresher on whatโs smart to do in the jungle, that is investment in the Netherlands, youโll be happy to hear that most Dutch banks have advisors on hand to guide you through it.ย
The Netherlands is generally a straightforward and lucrative place to get into investing, with a booming innovation sector and convenient geographical location to show for. If youโre interested in learning more about the mechanisms behind the great investment opportunities in the Netherlands, you can check out the Index of Economic Freedom.ย
Are Dutch trading apps regulated?ย
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 finance are stable and transparent, so you can have the best possible investing adventure.ย
For me and millions of others, drinking tea is a ritual involving a big homey mug (or china if youโre fancy), a strong brew, a little milk, and a prolonged amount of time to enjoy it. In the Netherlands, this is not the case.
Half-hearted dunking
The British way of making tea involves strict rules of procedure:
Place the teabag in a cup (or teapot)
Pour boiling water over it
Leave it to steep for a couple of minutes
Remove the teabag
Add a slosh of milk
Perfection! ๐ต
The perfect cuppa tea! Image: Pexels
In the Netherlands, it goes more like this:
Hot water is poured into a glass (often from IKEA)
A tea bag is then dunked into the glass a few times
This process is repeated over several glasses (yep, using the same teabag)
The result? It’s more like hot leaf juice than tea. King Charles would not be impressed.
To be honest, even if you were to leave the teabag in the glass for 10 minutes, it still wouldnโt get any stronger because Dutch tea bags are inherently weak.
So, if you want a proper cup of tea, youโre gonna have to import your teabags. ๐
A hug in a mug ๏ปฟ
Another major difference between the British way of making tea and the Dutch way is the way they drink the tea from the cup.
When you drink that full-bodied brew with milk, it becomes a special part of your day โ something that you have to take time out for. Feeling down? Your cup of tea will cheer you up. ๐ฅณ
In the Netherlands, however, the economy is everything, and that extends to drinking tea as well.
Thereโs no time for dawdling over small talk and a big steaming cuppa, which means thereโs no time for the dawdling that comes with drinking multiple cups of tea poured straight from the pot. ๐ซ
Dutch colleagues, many years ago, observed that the British hate tea and coffee so much that they put milk in it to disguise the taste
Tiny shots of super sterk (super strong) black coffee that taste like the earthโs core are more the Dutch way.
Much like Dutch windows, teacups are also transparent
While drinking tea out of a glass cup may not seem all that bad, I experienced the disadvantages of transparent cups once when I had to have an awkward conversation with someone.
When the conversation was over, I gulped down my peppermint tea, eager to leave. He, on the other hand, savoured his drink ponderously.
Since my empty glass was transparent, I couldnโt even pretend to sip my tea to avoid the uncomfortable small talk. ๐ณ
Itโs not all bad: thereโs one redeeming quality
Although I will always be a loyal supporter of drinking tea the British way, I will admit that four years down the line, my go-to order at cafรฉs has become verse muntthee (fresh mint tea) in a glass โ I know. ๐
Doesn’t it just look so refreshing? Image: Depositphotos
If thereโs one tea-related thing the Dutch are good at, itโs their mint and gember (ginger) teas.
Thereโs no settling for a simple teabag โ you wanted mint, so youโre getting mint (the actual plant. The same goes for ginger).
Finding work in the Netherlands as an international is not an easy task โ we can’t lie.
However, preparing well in advance will help you massively when it comes to sealing your perfect job in the Netherlands.
So, how do you prepare yourself for finding work in the Netherlands as an expat?
Well, as someone who has been there, here are 10 major things you need to know. ๐โโ๏ธ
1. Finding a job in the Netherlands is hard
I’m going to be honest here first and foremost:
Is finding a job in the Netherlands hard for international folks?
Hell yes, it is. ๐ฌ
Combine learning about a whole new job market with being in one of the most densely populated countries in Europe (so youโve got a lot of competition), and you’ll see that finding a job in the Netherlands is no simple feat.
If you’ve landed an interview, you’re well on the way to a job in the Netherlands. Image: Freepik
Talk to any international in the Netherlands, and they’ll all tell you the same โ the struggle is real.
However, that’s certainly not to say all hope is lost and you’ll never find a job in the Netherlands.
There are plenty of Dutch companies that hire internationals. Expats become employed every single day, and some are even lucky enough to score a job the first time around.
It’s important to understand that finding a job in the Netherlands is difficult โ but certainly not impossible.
2. You don’t always have to speak Dutch when working in the Netherlands
Struggling with Dutch and think you have no chance? No worries.
Naturally, being fluent in Dutch opens up many opportunities, but if you’re new to the Netherlands, you can still get a job.
Many international companies work only in English, and some companies even ask for other languages, such as French and German instead.
It’s not essential to speak Dutch in the Netherlands, even while working โ but it will make your life easier! Image: Pexels
So before you start breaking down in tears over that failed Duolingo attempt, start searching for those international jobs here in the Netherlands.
Now you can breathe a sigh of relief (in English)!
Want to find jobs in the Netherlands in English, German, French, or another language? On Undutchables, you can search by your preferred language to find your dream Dutch job. See open jobs now.
3. You don’t have to be living in the Netherlands to find a job (but it’s easier if you’re here!)
It’s not unheard of for an international to secure a Dutch job from overseas, particularly for roles in high demand, such as engineering, tech, management, and healthcare.
After all, interviews can be done online, or some companies will even fly you over on their own dime if they think that you’re a great fit.
If you’re not in an in-demand field, you may have a much harder time (or have to shell out for some plane tickets and a hotel to attend your interviews).
4. Some recruitment agencies in the Netherlands actively seek out internationals
What surprised me during my search for work was that some recruitment agencies exist purely to seek out internationals and help them find employment.
The recruiters then match you with companies in the Netherlands that are looking for your specific skillset. Sometimes, the company will offer you a contract directly, but often, the agency will place you in the workforce on an agency contract at first.
Usually, once your contract with the employment agency ends you can be directly employed by the company if youโre the perfect fit.
There are many agencies in the Netherlands that seek out internationals! Image: Freepik
You don’t have to pay a fee for these recruitment services either, which makes it even better!
It all just makes sense โ and with online recruitment, you can do it from the comfort of your own home and have many different jobs at your fingertips.
When applying through Undutchables Recruitment Agency, the same applies. If there isn’t a job out there for you, you can arrange for them to notify you when something relevant pops up, and then you can apply. A colleague’s partner got his current job when first arriving in the Netherlands through Undutchables and is still in the job years later!
5. You need to prepare well in advance
Preparing in advance is key if you’re planning on working and living in the Netherlands. Sorting out that work visa should be at the top of the list (if you’re an EU national, you can skip this step; you’re all good).
This, along with booking an appointment to register at your local municipality, keeps everything legal.
Opening a bank account should be one of the next steps, and you have a couple of options when it comes to choosing a Dutch bank and opening a Dutch bank account so you can collect your new Dutch salary.
Also, be aware that if you are working and living in the Netherlands, you must take out Dutch health insurance โ this is compulsory.
There’s a lot to do when moving to another country, but you shouldn’t skip these steps if you’re looking for a job in the Netherlands. Image: Depositphotos
We know what you’re thinking: there’s so much to organise.
We understand, but it’s worth it, and let’s help you set up! Here’s a checklist to get you started:
Arrange your visa/work permit
Find a place to live AND find a job (thatโs easy, right?)
Register at your local municipality
Open a bank account
Sort your Dutch health insurance
6. The CV and interview process in the Netherlands may be different from what you’re used to
Scoring a job in the Netherlands by perfecting that CV or resume and attending that dreaded interview may be different from what you’re used to, depending on where you’re from.
In the Netherlands, I learned that CVs should not be longer than two pages. You also don’t have to include your picture on your CV; however, many people still do this (insert awful passport-style photo here).
Most Dutch workplaces want you to interview in person. Image: Depositphotos
The interviews are just as nerve-wracking as in other countries, but all follow a similar structure.
Dressing for an interview depends on the job you’re applying for, and dressing for interviews in the Netherlands is certainly lax compared to other countries.
For example, in the UK, you are generally expected to go full suit and tie with polished shoes. Whereas in the Netherlands, it’s important to look smart, but you don’t have to go overboard.
7. Working from home is common in the Netherlands
This article was brought to you by me, sitting in my bed with a cup of hot chocolate, and that’s not unusual โ even before the pandemic years.
Working from home can be a common practice for some workplaces, and I personally love it.
The Dutch workplace is known for being less rigid when it comes to working. Generally, if you need to be at home, depending on your job, you can spend that one less day at the office and work from the confines of your own home instead.
Yes, it is possible to work from home! Image: Pexels
The Dutch value their hard work, but also their spare time too. Working doesn’t have to be at the office and living doesn’t have to just involve work.
While in some countries, a shorter work week is nothing but a pipe dream, in the Netherlands, many people (especially women) work part-time and/or mainly or solely from home. So, if you like the idea of a home office, then you may have just gotten lucky. Gezellig!
8. You need to get your head around the tax system
The Netherlands is known for its notoriously high tax on almost everything.
Before you start working in the Netherlands, you need to be aware of what contributions you need to make, how much you’ll actuallyget paid, and what rights you have when working in the Netherlands.
โ How much income tax will I pay in the Netherlands?
In 2025, the standard income tax rates are:
35.82% up to โฌ38,441
37.48% between โฌ38,441 and โฌ76,817
49.50% above โฌ76,817.
This will typically be deducted from your pay before it is paid out to you. You will also have to pay additional taxes if you are particularly wealthy and/or have a large amount of savings.
However, if you’re lucky enough to receive the 30% ruling, you won’t pay tax on up to 30% of your salary โ nice!
9. Your travel costs are normally covered by your company
Most companies will reimburse you for your full travel costs monthly, so you don’t have to worry about a long commute eating up half of your wages.
Many other companies offer other reimbursements, such as paying a percentage of your gym or club memberships, to encourage their employees to stay physically and mentally healthy outside of the workplace.
Some workplaces will even help you buy a nice bike to ride to work with. Image: Depositphotos
Other companies offer bonus money if you don’t call in sick (not always great when you’re forcing yourself to go in and infecting everyone), but it encourages the workforce not to be tempted to call in sick for silly reasons.
In my experience, companies in the Netherlands treat their workforce very well, and you will be rewarded for your hard work. If not, it’s time to change that job of yours.
10. Borrelen makes everything worth it
Who doesn’t love a free beer and some bitterballen after all that “finding a job and starting a new job” stress? Well, this is something you’ll enjoy at many Dutch workplaces.
Borrelen will only sometimes be as fancy as this. Image: DGLimages/Depositphotos
Usually, towards the end of the week, either once per week or per month, you and your colleagues will go borrelen.
This is where you’ll have an opportunity to stop working (always nice) and engage in awkward conversations with your coworkers over a beer and some bitterballen.
Great for reducing that work stress as, in general, it’s always good fun โ not so good for that waistline, but at least all that cycling will help. Proost! ๐๐ป
Are you looking for work in the Netherlands as an international? Or do you have tips? Share in the comments below!
The Netherlands is sweltering under a code orange weather warning, so you can expect disruptions to various services and more chaotic traffic than usual. โ ๏ธ
Temperatures in the southern half of the Netherlands are expected to reach a scorching 38 degrees Celsius Tuesday, with an extreme heat warning in place for Noord-Brabant, Limburg, and Gelderland.
What is a code orange weather warning?
This is an alert issued by the KNMI (Dutch Meteorological Institute) for potentially deadly weather, with a high probability of it causing damage, injury, or other inconveniences.
These warnings are usually accompanied by additional heat measures, such as the closure of certain services.
In addition to this alert, various changes are coming down the heatwave pipeline. ๐
Ferries won’t sail on Tuesday or Wednesday
If your regular commute has you hopping on a ferry to reach the office, you may need to work from home today.
According to the NOS, ferry services in the provinces of South Holland, Utrecht, Gelderland, and Brabant will be on pause for today and tomorrow (July 1 to 2).
There’ll be more trains to the beach
Grab your swimsuits, because the NS is now running six trains per hour to Zandvoort.
Remember to grab your sunscreen! Image: Dreamstime
As an NS spokesperson tells Het Parool, the extra trains are only expected to run until Wednesday (June 2), so you may want to hop on board before they’re gone.
Waste will be collected much earlier than usual
With waste collectors trying to avoid the heat of the day, collection rounds will start by 6:30 or 7 AM.
AD advises you to put your garbage bins or bags out before 7 AM if you want them collected.
The NOS, meanwhile, suggests an even earlier time (6:30 AM) for those who live in the municipalities of Vlissingen, Purmerend, Vught, Woerden, Bernheze, Son en Breugel, Tilburg, Dongen, Nijmegen, Cranendonck, and het Land van Cuijk.
Water shortages may occur
As water consumption is currently skyrocketing, some providers report that they’re already stretched quite thin. (Terrible news for fans of long showers! ๐)
Vitens, in particular, warns that their “storage cellars sometimes run out faster than we can fill them.”
Looking forward to an outdoor swim session in your inflatable pool? Helaas, it’s time to conserve water, instead. Image: Freepik
They recommend restricting heavier water usage to off-peak hours, such as before 7 AM in the morning or after 11 PM at night.
Bonus: There’ll likely be heavy smog
As the RIVM reports, the central and southern parts of the Netherlands can expect smog and poor air quality.
Living in or near these regions? You may want to stay indoors, especially during late afternoon and early evening (when the air will be most polluted).
This warning will likely be in effect until Wednesday, July 2.
