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Investing as a beginner in the Netherlands: 5 ways to get you started

Jana Vondráčková 🇨🇿
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Investing as a beginner in the Netherlands: 5 ways to get you started

The internet is full of financial advice, but one of the main mantras? Money kept in your bank account is dead money. You need to be investing.

Why? The argument behind this is pretty straightforward: money sitting in a bank loses value over time because inflation grows faster than interest rates on a traditional savings account.

But when it comes to putting your money somewhere where it’ll actually grow, many newbies feel overwhelmed by the options, the apps, and the possibility of losing their hard-earned cash.

So how do you start without risking it all? Here are five types of investments you could try (or at least investigate) as a beginner.

Everyone starts somewhere. Platforms like Lightyear make those first investing steps a little easier. With one simple app, they allow you to explore different tools, learn as you go, and see how your money grows over time.

Sign up with the code DUTCHREVIEW and get up to €100 to your account. T&C apply. Investing involves risk.

💡Disclaimer: Investing involves risk of losing some or all of your money. Speak to a qualified financial adviser if you have doubts.

1. Look into opening a high-yield savings account

You know that epic trip around the world you really want to take next year? Or that wedding you’re planning in two years and need to save up for? Those are both examples of short-term goals.

And to save up for short-term goals, you want to put your money in a place where you have guaranteed returns and where its value won’t fluctuate too much. Enter: high-yield savings accounts.

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High-yield savings accounts are great for short-temr financial goals. Image: Freepik

They act as a solid parking lot for your cash while you figure out your long-term investments, and because you can typically access the money quite quickly, they are also a great place to keep your emergency fund.

However, high yield doesn’t mean a high return, so don’t expect to make a killing. The best options currently available offer interest rates of no more than 3% APY (as of November 2025). 

Overall, if you want to keep your cash extra safe and still make at least a little bit on it, a high-yield savings account is a good bet.

2. Give Exchange Traded Funds (ETFs) a try

With your shorter-term wishes and dreams covered, it’s time to think about medium to long-term financial goals. So, where can you look if you want higher yields than the previously mentioned option? 

The best place to start as a beginner is with Exchange Traded Funds.

An Exchange Traded Fund, aka ETF, is a type of investment fund that’s made up of various assets like stocks, bonds, or commodities.

The fund typically tracks the performance of a specific sector, such as tech or healthcare, or a specific market index, such as the S&P 500 (which looks at how the leading 500 companies on US stock exchanges are doing).

READ MORE | Investing in the Netherlands? Here’s how Lightyear helps you effortlessly grow your portfolio

When the index goes up, the money you invested in the fund goes up as well and vice versa.

The handy thing about ETFs is that they can be bought and sold like stocks, meaning their prices fluctuate throughout the day, and you can trade them at any point when the stock exchange is open.

This makes them different from mutual index funds, which only trade at the end of the day and typically aren’t available to retail investors like yourself.

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ETFs are a great option if you don’t want to research individual stocks. Image: Freepik

Why are ETFs a great pick for beginners? Firstly, they’re simple. 

Since an ETF is made up of a portfolio of stocks and bonds, you don’t need to spend precious time digging into the performance of every single company to figure out whether its stocks are a good investment.

This comes hand in hand with another benefit: diversification. By investing in an index fund, you’re making sure that you haven’t put all your eggs in one basket. 

READ MORE | The best banks in the Netherlands for internationals in 2025

ETFs have broad market access. This means you can invest in practically anything from emerging markets to specific industries like tech or pharma, or even commodities like oil and gold.

Because they are managed passively, the associated fees are typically lower as well. On top of that, you can access information about what they’re made up of, so you know exactly what you own.

💡 Pro-tip: Buying ETFs with Lightyear won’t cost you an execution fee (though the usual suspects like fund charges or currency costs may still sneak in).

3. Start a personal pension account

The great thing about investing is that you really can start small and simple. And by simple, we mean with a pension fund.

Pensions in the Netherlands are typically made up of two main pillars: 

  • The first is the AOW (Algemene Ouderdomswet or National Old Age Pension Act), which is a basic pension provided by the government to anyone who lives in the Netherlands and pays income tax.
  • The second is an employee pension. Many companies offer this as a perk, but it’s not actually mandatory for an employer to pay your pension unless this is stated in your CAO (Collective Labour Agreement).

That is why many people in the Netherlands actually opt for a third pillar: a personal pension account. You can set one up through your bank, insurer, or other financial institution.

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

What are the advantages? Large pension funds invest money into things you might not access on your own, such as large infrastructure or alternative assets. And because you’re looking at a long-term investment, you don’t have to worry about short-term fluctuations in price.

There’s also a sweet perk that you can benefit from: Investments into a private pension account can be deducted from your taxes.

4. Move on to individual stocks

Stocks represent the more “classic” form of investing. What do we mean by that? Basically, you buy shares of an individual company, for example, Apple or Philips.

It’s a high-risk, high-reward type of thing where if your selected company does really well, you can make big bucks. However, if it does poorly, you can lose it all just as easily.

If, with time, you want to get serious about investing and aren’t deterred by doing a bit of research and checking out earnings reports, stock investing can be a great teacher.

Lightyear offers various options for investing. From earning higher interest by investing in savings to putting your money in funds and stocks, you can choose how you want to grow your money depending on your risk appetite.  

Sign up with the code DUTCHREVIEW and get up to €100 to your account. T&C apply. Investing involves risk.

Check out Lightyear

On top of that, investing in stocks gives you full control: you decide what business you support with your money and which ones you avoid.

However, as a beginner investor, you shouldn’t bet all your money on stocks. Start with just a portion and put the rest in diversified funds. As you become more advanced, you can adjust your strategy.

5. Try investing in a Real Estate Investment Trust

Let’s be real: buying a house in the Netherlands in the current housing market might not be a possibility for everyone. But what if you still want to have some of your money in real estate?

One thing you can consider is investing in Real Estate Investment Trusts. A REIT is a company that owns or produces real estate that generates income (think offices, shopping malls, apartments).

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Can’t afford to buy real estate? You can always invest in a REIT instead. Image: Freepik

While you cannot invest in just any REIT, some are publicly traded, and you can buy shares like you would with a company. Similar to owning company shares, investing in REITs typically comes with investor voting rights. 

REITs are obligated to distribute most of their taxable income, which means you can get regular dividends as an investor. 

However, keep in mind that they are subject to other tax rules in the Netherlands than regular shares.

That being said, they are a great way to diversify your portfolio and have something that behaves differently from stocks and bonds.

Last but not least, it is a highly liquid product, meaning you can quickly convert your shares into cash (which is not always the case with a physical house).

While investing might seem scary for a newbie investor, there are relatively easy ways to start building up your portfolio. 

Start small with lower-risk options, keep it simple, and remember, don’t put all your eggs in one basket. As your confidence grows, you can start looking into more complex and higher-risk options.

What is your experience with investing? Share your thoughts in the comments!

11 things to know before taking a taxi in Amsterdam

Francine Zauner
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11 things to know before taking a taxi in Amsterdam

Unless you know the ropes, taking a taxi in the Netherlands can be a confusing and expensive experience. But not anymore — here‘s the full lowdown on 11 things you need to know.

Picture this: You’ve just landed at Schiphol Airport, filled with excitement at the thought of Amsterdam’s iconic pebbled streets and visiting your first coffeeshop.

Welcome to the Netherlands! But hold on, not so fast. How can you get around effectively and safely? And most importantly, how will you be able to go sightseeing?

READ MORE | How to get to and from Amsterdam’s airport: the easy guide

We’ve compiled all the essential information you need to know about taxis in the Netherlands. You’ll learn how to spot official taxis, how to get a good fare, about alternative taxis and how to file a complaint.

We’ve done all the legwork for you. So, open up that bottle and read on.

1. How to spot an official taxi

First things first — before you decide to hail your very first taxi in the Netherlands, you need to ensure you’re spotting the real deal. Unfortunately, unlicensed taxis do exist in Amsterdam, so to find a real one, make sure you can see the following:

  • A blue number plate,
  • A driver’s licence attached to the inside of the taxi’s windshield,
  • A tariff card that is visible on the inside and outside of the taxi.
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When in Amsterdam, make sure you’re hailing a real, licensed taxi! Image: Depositphotos

2. Where to find a taxi

Like in most cities, you can hail any taxi that is driving down the street — easy! But, if you’re having no luck, make sure you’re not in a bus or tram lane. It’s illegal for taxis to stop in these areas.

Tourist areas where you’ll easily find a taxi include the Rembrandtplein, the Dam, and the Leidseplein. Look out for the blue signs sprinkled around the city marking taxi stops.

READ MORE | 34 best things to do in Amsterdam in 2026 [UPDATED]

A good alternative to hailing would be to book a taxi by phoning them. They can also help you with fare advice.

There is a different share taxi service in each region of the Netherlands. To find your nearest one, call: 0900 9292.

Warning: at Schiphol Airport, beware of touts trying to grab your attention. They may lead you to unlicensed taxi drivers who pay them for the service.

3. How much a taxi in the Netherlands will cost you: taxi fares

How taxi fares are calculated is complicated, but we’ll give you a rough idea. The 30-minute ride between Schiphol Airport and downtown Amsterdam will cost you approximately €55.

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See Amsterdam through the window of a taxi. Image: Depositphotos

The main company for taxis in Amsterdam is the Taxi Centre Amsterdam (TCA).

While most drivers will run the metre by default, you can also attempt to make a fare agreement with them before entering the taxi. Once the meter starts, this is no longer possible.

READ MORE | The 18 best street markets in Amsterdam: the ultimate guide

Almost all taxis will accept cash, and some also accept credit cards. Make sure to check with the driver about what options they have. If riding with TCA, you can also download their app for a fixed-fare service and other payment options, including PayPal.

4. Taxi too expensive? Then…

Be a true Dutchie and grab a bicycle to get your blood pumping!

You can rent them for around €10 from various different places, such as MacBike, right at Amsterdam’s main train station. Just look for the word fietsen (bikes) for a bike rental shop.

Of course, the amazing public transport system is always worth a try. Otherwise…

5. Take an Uber

A phone app makes everything easier! You can order an Uber without having to deal with call anxiety. Plus, Uber has a reputation for being cheaper than taxis most of the time.

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No luck with hailing a taxi cab? You can call your trusty friend, Uber! Image: Depositphotos

Although you can conveniently pay with your credit or debit card, the downside is that they generally don’t accept cash.

6. Never use an unlicensed taxi

There is some truth behind the adage, “if it is too good to be true, it probably is”. If someone is offering you a suspiciously low price for a taxi ride, it’s time to walk away. These drivers will conveniently ‘forget’ the low-price offer by the end of your drive.

READ MORE | Moving to Amsterdam: the ultimate guide

Unlicensed taxis have become a big problem for Amsterdam.

At some point, the Taxi situation deteriorated so drastically that the federal government put a ‘Taxi Law’ into place in 2000. Prior to that, there were strict rules, and it was difficult to obtain taxi licences.

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Bustling taxi rank at Schiphol Airport. Image: Mauritsvink/Wikimedia Commons/Public Domain

The ‘Taxi Law’ was designed to halt the monopolisation of TCA. However, this backfired horrendously. Instead, the quality of drivers plunged, and drivers began to select customers based on the distance they intended to travel — despite it being illegal.

7. Taxi scams do occur

Some taxi drivers view international passengers as money-filled prey. 💰

Amsterdam Shallow Man has an incredibly informative and funny article that goes into detail on some of the scams, but here are a few quick tips to consider when taking a taxi in Amsterdam:

Firstly, beware of the driver setting a high minimum price. If you ask the driver why they’re charging more than the maximum amount, you’re likely to be told that this is the “night rate” that is charged in Amsterdam — do not believe this!

READ MORE | Renting a car in the Netherlands: driving in Amsterdam and beyond

The official taxi tariffs for Amsterdam can be found here.

Additionally, make sure that you never agree on a fixed price — always use the meter. If not, you’ll definitely have to pay the inflated price.

@travelwithpat Avoid these three common taxi scams on your next trip #travel #traveltips ♬ original sound – Pat | Travel & Points ✈️

Next, try to pretend you’re a local, and definitely don’t say it’s your first time in Amsterdam. A whiff of that tourist smell and they’ll take you twice around the city for “sightseeing”

Don’t agree to take the highway because the charges are per kilometre. You will get to your location more quickly, but there will be a hefty price to pay.

Finally, be wary of them “forgetting” to turn on the meter. This is always on purpose, so don’t be fooled!

Pro tip: If you think a taxi driver could be scamming you, make sure to remove all your luggage from the vehicle before attempting to dispute the price. There is a chance they could drive away with your belongings out of spite.

8. Share a taxi with a stranger

Taxi sharing is not common, but it does exist and could be a solution to avoid exorbitant costs. Deeltaxi (share taxi) is a service that allows people to share a taxi with other passengers at a more sensible rate.

Train stations don’t always reach the far corners of the Netherlands, so this service is essential for those living far away.

9. How to call a taxi company

We have put together an array of options of official taxis, so that you’re never stranded during your trip:

10. How to file a taxi complaint

Tell the driver. You have the right. Don’t keep it bottled up inside!

If you cannot reach a solution with the driver, you can submit a written complaint to the taxi company. You can demand a complaint form from the driver and find more information here.

You must remember the date and time of your journey, as well as the taxi’s registration number or licence plate.

READ MORE | What to do when it’s raining: the ultimate guide to Amsterdam indoors

If you don’t have enough information or evidence, you can submit your complaints to the National Taxi Complaints Office on 0900 202 1881 (€0.13 per minute). They will then forward your complaint to the right taxi company.

If you can’t resolve the issue with the taxi company, you will have to take it a level higher and bring it to a Dispute Committee (geschillencommissies).

11. Taking a taxi in the Netherlands: the true experience

What is it really like to take a taxi in Amsterdam? We’ve asked our readers in the DutchReview Facebook Group to share their honest experiences!

Joey Marissa: “My experience of taxis in Amsterdam was absolutely phenomenal! Way better than in Bali.”

“The taxi drivers were fun and enthusiastic. Some of them were like psychiatrists. My partner and I at the time had an amazing time getting escorted to parties and restaurants around town.”

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You’ll be all ready to take your first taxi and sightsee the beautiful city of Amsterdam after all these tips! Image: Depositphotos

Ian Lockley: “After a recent return flight into Schiphol, which was delayed by 3 hours, I had no real choice other than to get a taxi home to Rotterdam. The bill was €171!”

Wendy Hilton: “I had a job interview and had come over for the first time, so I wanted to be on time. The hotel called the taxi, and I showed him the address on my paperwork.”

READ MORE | The ultimate guide to taking a train in the Netherlands: from OV cards to saving money

“I was suspicious as he put something else in the SATNAV, and after about 10 minutes, I felt we were going the wrong way and said so. They told me that he misunderstood what I said!”

“Anyway, he turned around, and got me there on time, but he charged me €45 — no apologies — for a journey I now know would have been a 20-minute walk! I try to avoid cabs at all costs now.”

Are there any other things one should know when jumping into a taxi in the Netherlands? Tell us in the comments below!

Important financial dates in the Netherlands in 2026

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

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

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

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

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

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

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

January 1, 2026: Wealth tax calculation day

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

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

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

January-March 2026: Municipal tax bills arrive

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

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

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

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Sorry, it’s not a love letter. 👀 Image: Freepik

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

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

March 1, 2026: Income tax season begins

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

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

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

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

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

March 2026: Property value assessments

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

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

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

May or June 2026: Holiday pay is deposited

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

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Time to book that trip! Image: Depositphotos

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

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

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

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

Open your ING account today

July 1, 2026: Statutory holidays accrued last year expire

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

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

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

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

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

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

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

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

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

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

🤔 What are toeslagen in the Netherlands?

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

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

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

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

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

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

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

Before September: Deadline to retroactively apply for allowances

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

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

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

Other important financial dates in the Netherlands

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

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

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

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

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

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

September 15, 2026: 2027 budget announced

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

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

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Prinsjesdag consists of extravagant festivities. Image: Dreamstime

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

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

December 2026: Year-end bonuses (hoera!)

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

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

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

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

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Ka-ching! Image: Freepik

December 31: Deadline to switch your Dutch health insurance

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

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

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

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

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

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

Looking for a cleaner, plumber, electrician, or more? This platform is for you

Kriti Swarup
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Looking for a cleaner, plumber, electrician, or more? This platform is for you

I am the furthest from handy. Though I’ve never touched a drill machine, moving to a whole new country requires you to whip out some handyman skills.

Luckily, I didn’t need to, because I chanced upon Fix That Now. 

This Dutch platform is basically Tinder for people who need a professional handyman, contractor, cleaner, painter, electrician, plumber, and more. 

It allows you to compare rates, find your match, and let someone else worry about how to install those bathroom shelves while you tackle life in the Netherlands. 

Struggling with repairs? Fix that now 

On moving to the Netherlands, internationals face the challenge of setting up house.

Whether it’s the shock of learning that a lot of homes come without flooring or trying to unclog a tiny toilet, the struggle is real.

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It can be a challenge to find a professional electrician, plumber, or general handyman when you’ve only just moved to the Netherlands. Image: Freepik

Add a language barrier to the mix, and you’re screwed.

Many online platforms take advantage of internationals by charging exorbitant rates for home services. 

As a newbie in the Netherlands, I found myself in a dilemma. I refused to pay through my nose for odd jobs around the house, but I couldn’t do them myself either. 

Which is why I turned to Fix That Now. 

How Fix That Now works 

I posted my job (assemble a closet) on their website for free, included my budget, and within 24 hours, I had a freelancing handyman reach out to me through the website.

Here’s where it gets good: professionals willing to take on your job can send up to five quotes per listing.

These will all appear on your dashboard. No phone spam, just a clean overview where you can compare prices side by side.

Even better? Every professional is verified through the Chamber of Commerce, and you can see their badges and reviews.

dutch-handyman-assembling-furniture-with-a-screwdriver-nails-and-hinges
Not sure if a handyman’s up to the task? You can review their badges and reviews. Image: Freepik

Although I was a bit suspicious of giving my phone number to Fix That Now, the platform only shared my digits once I accepted a professional’s quote. 

After the job is done, you pay the professional directly. Just as agreed, no hidden fees.

A range of services

Fix That Now offers every service under the sun, from roofing, tiling, bathroom renovations, electrical work, plumbing, painting, deep cleaning, plastering, insulating, and more.

It’s especially handy for new internationals, as you can post multiple jobs at once.

Whether you need a freelancer for a quick job or a full company for a bigger project, this platform is for you. 

Have you ever tried this service? Tell us your experience in the comments.

15 not-so-cute things Dutch people do

Liana Risseeuw 🇱🇰
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7
15 not-so-cute things Dutch people do

Strange as it sounds, the land of quaint canals, cosy cats, and colourful clogs isn’t always so cute. 

In fact, the Dutch have some less-than-wonderful habits that are more popular than mice in the Randstad, and it’s time to shine a light on some of them.

Of course, these aren’t things ALL Dutch people do. That’d be like saying all Dutch people are as successful as Jutta Leerdam — and that isn’t true, is it? 😉

1. Leave dog poop lying about for people to step on

Wat leuk, a stinky surprise! 💩

poodle-pooping-on-Dutch-street
A Dutch dog getting ready to leave a deposit. Image: Depositphotos

In the Netherlands, getting somewhere in a hurry usually involves the latest in urban warfare: dodging squishy landmines.

READ MORE | 11 gross things Dutch people do

Persuading some people to pick up after their dogs seems nearly as impossible as seeing a Dutchman buying every stranger at the bar a biertje (beer). It’s probably happened at some point, but don’t bet your money on it.

2. Preach do as I say, not as I do

If you’ve been around for long enough to voice your opinion on anything, you’ve probably come across the charmingly Dutch phrase: if you don’t like it here, go back to your own country.

It really warms the heart, doesn’t it? 🥰

Given how direct Dutch people can be, it’s often shocking to see that some of them have skin thinner than a peach. Consider it a rite of passage if you’ve ever been on the receiving end of this phrase!

3. Treat traffic road rules like suggestions

When you’re talking to a Dutchie about annoying people on bikes, they’re probably going to blurt out “TOURISTS IN AMSTERDAM!!” at some point. It’s inevitable. Don’t fight it.

woman-cycling-in-Netherlands
On my way to veer into the pavement and drive through some pedestrians! 😇 Image: Freepik

Here’s some info that may shock Dutchies and tourists alike: biking on the pavement is largely not allowed. There’s a whole other section of the road (the fietspad) exclusively for that purpose.

READ MORE | The flying Dutchies: 8 marvellous things about the Dutch and their bikes

But, nee — using the pavement saves Henk and Ingrid an oh-so precious two minutes of travel time. How dare you walk where they’re cycling, stomme (stupid) tourist?!

4. Celebrate Sinterklaas with Zwarte Piet

Regardless of where you stand in the debate, I think we can all agree that some opinions raised are as far away from the Dutch ideal of tolerance as can be.

For the lucky ones that have never stepped into the fiery flames of a Zwarte Piet debate, an explanation might be in order.

READ MORE | OPINION | Zwarte Piet: a white South African’s perspective

Some say that Piet is based on Northern European pagan traditions. Others clutch their pearls and are shocked — shocked, I tell you! — that people think prancing about in blackface is racist. 

And the rest think that Piet is…errr, racist.

5. Have cultural heritage that explodes in the night

The overwhelming response to criticism of Dutch pyromania is “het is een traditie 😡” (it’s a tradition).

@dutchreview I thought they would stop after 12AM… I was wrong. #dutchreview #dutch #nye #ny #fy #fyp #newyears #international #fireworks #CapCut ♬ original sound – Tim

You better brace yourself (and cover your ears) if you speak ill of the beloved traditie of blowing up rubbish bins, vehicles, and more on New Year’s Eve (or actually, any night).

6. Whine when foreigners don’t speak Dutch, yet switch to English all. The. Time.

Look, we get it — it’s annoying when internationals brag about not wanting to learn Dutch. Doubly so, if they’re planning on setting up shop in the country.

But switching to English when someone is attempting to learn your language is just adding to the problem…and actively looking for a reason to complain!

READ MORE | 19 damn freakin’ annoying things Dutch people do

You can’t have your boterkoek and eat it too, you know!

7. Advertise accommodation as Dutch only — no internationals allowed here!

Geen internationals, maar (no internationals, but)… can we colonise you and holiday in your home country, please?

Photo-of-homeless-student-in-the-Netherlands
We’ve all seen this message before “Dutch only”. Image: Unsplash

And don’t you dare complain about living in a park, international students! We’re offering you the privilege of spending six times the price Dutch students pay to get an education. 🙄

Don’t laugh at the hypocrisy as though it’s a “Bassie en Adriaan” sketch, ok?

8. Use the silent carriage for everything but silence

You’d definitely be forgiven for thinking the stiltecoupé (silent carriage) means “a great place to have a brawl, and finish things off with a drunken rendition of an André Hazes song.”

READ MORE | Train etiquette on Dutch trains: 8 things you’ll always see

Be sure to pack your noise-cancelling headphones if you have them. Your ears will thank you after you’ve sat through the tenth rendition of Concerto for Two Screeching Babies in B Flat.

9. Board trains with the attitude of every man, woman, and child for themselves!

And speaking of public transport, you’ll have to “train” the politeness out of you if you’re from a culture accustomed to queueing.

The Dutch sit als haringen in een ton (like herrings in a barrel), and most often, you’ll notice this cultural phenomenon when you’re waiting for public transport. In the summertime, this smells about as pleasant as you’d expect. 👃

Handige tip (handy tip): familiarising yourself with a game of rugby will help give you the skills to survive your daily commute.

10. Use Dutch directness as an excuse for anything and everything

Well known for speaking their mind (irrespective of the content within), the Dutch optimistically frame this as “directness.”

So the next time Henk and Ingrid warn you about a dark man that looks like he’s probably in the mafia, they’re just being direct.

@dutchreview So… I should be… flattered? ❤️‍🩹 #dutchlife #expatsinthenetherlands #thenetherlands #dutchreview #expatlife #dutchmemes #lifeinthenetherlands #holland #meme #memecut ♬ original sound – DutchReview

11. Let their children get away with blue murder

Literally.

dutch-child-with-sparkler-on-new-years-eve
It’s only a matter of time before the little Wouts of the world get their hands on a missile launcher. 🔥 Image: Depositphotos

Unsatisfied with living in the shadow of Scheveningen’s glorious(ly crowded) beach, the Dutch city of Duindorp decided to put themselves on the map with a BANG.

And the chosen one to do the deed? A nine-year-old resident with a molotov cocktail. 

The writer of this piece — whose German oma would’ve skinned her alive for being a pint-sized molotov mixer — finds this as sweet as a wasp sting.

12. Hate it when people stand out — doe maar normaal!

Rule number one of living in the Netherlands — don’t stand out. Don’t you dare.

You’ll get Dutchies flustered with your peculiar foreign customs like…*horror of horrors!* not wearing white trainers with every single outfit.

If you want to fit in with the nette mensen (the “good people”), then be sure to get yourself a pair of these beloved inburgering (civic integration) tools. And make sure they’re whiter than Zwarte Piet without the facepaint!

If you’re used to marching to the beat of your own drum, you’ll find this far less leuk.

13. Tikkie people for tiny amounts

Don’t worry, this isn’t another round of Tikkie-bashing.

Tikkie payment requests are honestly a blessing to those of us that like keeping track of our money and are hoping for some Dutch thriftiness to rub off on us. Or, well…most requests are.

READ MORE | 14 downright stingy things Dutch people do

Sending a €2 request for “oh well, you used my loo last night, so I guess you should pay me”, on the other hand? Ahem, rude. 👀

14. Be shamelessly loud

“I SAW YOU FLIRTING WITH THAT WAITRESS! THAT’S IT — I’M BREAKING UP WITH YOU, KOEN!”

Ja hoor, you’ll be a witness to someone’s break-up, whether you like it or not. In many cases, you needn’t even leave your house! The street outside your window at 3 AM on a weekday usually provides the best acoustics for you to enjoy the conversation.

The cunning opportunists among you may even see this for what it is: free Dutch lessons and entertainment — grab the popcorn! 🍿

+10 points if you can guess where Famke said Koen can stick his frikandel!

15. Swear as if they’re talking to a real estate agent that only caters to internationals

Another easy way to learn Dutch is to be around an irritated Dutchie.

Your vocabulary will grow faster than a sea of “GEKOLONISEERD!!” comments under a YouTube video that barely mentions the Netherlands.

The Dutch swear like you’ve murdered their maiden aunt and then plundered her bank account. The sky’s the limit with what one could swear with: cancer, pancakes, and…even having sex with ants! 🐜🥵

Before you light some fireworks, hand them to your little Wouts, and send them our way, we’d like to wrap up this article up by pointing out that for every not-so-cute thing Dutch people do, they do some pretty darn cute things too.

And dare we add smart things to that list (the flessenlikker says hello)? 😊

At DutchReview, we like to look at both sides of the stroopwafel (and trust us, we love stroopwafels!)

Do you have any to add to our list? Tell us all about it in the comments below!

Too many requests, not enough doctors: Dutch abortion site hits pause after a week

Kriti Swarup
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0
Too many requests, not enough doctors: Dutch abortion site hits pause after a week

Remember Thuisabortus, the online abortion pill platform? Launched barely a week ago, it has already shut its doors, after doctors couldn’t process an astonishing 30 requests a day.

The founder of the service, Peter Leusink, expected five to seven requests per working day. He was rather shocked to receive 150 requests over the course of one week, more than his team could handle alongside their regular practices.

There were about 40,000 abortions in the Netherlands in 2024 alone, according to NU.nl. Who would have thought that Thuisabortus would absorb almost half the volume on its own?

The idea was simple: women up to nine weeks pregnant fill out an online form, and doctors check for risk factors before sending a prescription to the pharmacy.

However, this sparked a massive controversy within the medical community.

Angry GPs weigh in

The no-consultation model has drawn sharp criticism from the General Practitioners’ Association (LHV), the Royal Dutch Medical Association (KNMG), and the Dutch Association of Abortion Doctors (NGvA).

Their concern, reports NU, is that a face-to-face conversation can reveal things a form cannot: a mental health struggle, an abusive relationship, financial hardship, or repeated procedures.

The LHV emphasises, “The online abortion pill can never replace this personal contact between patient and GP.”

Leusink calls this “patronising.” In a response to NU, he stresses, “A woman chooses the form of abortion that suits her.”

Is accessibility an issue?

Bernard Leenstra, a general practitioner and “opinion leader,” tells NRC: “Dismissing an abortion as if you can place the product next to the Snickers on the conveyor belt really goes too far for me.”

Meanwhile, he worries about the easy accessibility of abortion pills and the subsequent quality of healthcare, comparing them to the online frenzy behind weight loss medication.

In one breath, he acknowledges that those without a uterus shouldn’t volunteer an opinion on abortion. In another, he says, “I do not consider the argument that it is easier for women to be valid.” Yikes.

Another expert notes that online provision is already a standard in many countries, such as the UK, France, and Canada.

Moreover, a research study shows that 99% of women still support their decision years later.

When should you see a GP?

Just like any other treatment, abortion pills may lead to medical complications. Thuisabortus.nl advises people with a uterus to consult their general practitioner for any aftercare.

Although the site is now paused, four or five extra doctors are in training. Leusink is hoping to reopen after Easter, with someone manning the website each day.

What do you think of this debate? Are you for or against online-order abortion pills? Tell us in the comments.

Best crypto exchanges in the Netherlands [2026 guide]

Lyna Meyrer 🇱🇺
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1
Best crypto exchanges in the Netherlands [2026 guide]

Buying Bitcoin in the Netherlands used to mean navigating sketchy websites and praying your money actually turned into crypto. These days, you’ve got options — proper, regulated options — that won’t make your accountant cry.

Around 26% of people in the Netherlands hold some form of cryptocurrency. That’s already well over two million people who have decided that traditional savings accounts are not quite delivering the excitement (or returns) they are after.

The question isn’t whether you can buy crypto in the Netherlands; it’s where you should buy it. Do you want the cheapest fees? The most hand-holding for beginners? Or a platform with advanced features?

Here’s everything you need to know about crypto trading platforms in the Netherlands (without the crypto-bro jargon).

TIP: In a hurry? These are our top picks for a crypto exchange in the Netherlands. 👇

🆕 Just launched: DEGIRO
💸 Best for investors on a budget: Trade Republic
🎯 Best for cautious investors: Scalable Capital
🌍 Most trusted internationally: Coinbase

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

How to buy crypto in the Netherlands

Buying crypto in the Netherlands is surprisingly simple these days. Here is the short version of how it works:

  1. Choose a platform (more on those below).
  2. Create an account and verify your identity. This is required by EU rules.
  3. Deposit money via iDEAL or SEPA.
  4. Pick your coin and place your order.

That’s it, no technical wizardry needed.

Disclaimer: Cryptocurrency investments are highly volatile and risky. You can lose some or all of your investment. This article is for informational purposes only and does not constitute financial advice. 

What to look for in a crypto exchange

Before we dive into the individual platforms, let’s talk about what actually matters when choosing where to buy your Bitcoin.

  • Regulation and safety: All the exchanges on this list are properly regulated in the Netherlands or across the EU. This means consumer protection, proper audits, and someone to complain to if things go sideways. 
  • Fees: This is where platforms can differ dramatically. Some charge 0.15% per trade, others charge 1.49%. Over time, those differences add up faster than you’d think, especially when you consider spreads.
  • Payment methods: If your exchange doesn’t support iDEAL, you’re stuck waiting 1-3 business days for bank transfers. In crypto, where prices can swing overnight, that matters.
  • Available cryptocurrencies: Some platforms offer just Bitcoin and Ethereum. Others have 500+ coins, including ones you’ve never heard of and probably shouldn’t buy.
businesswoman-in-the-netherlands-sits-near-a-window-reviewing-her-cryptocurrency-portfolio-on-her-mobile-app
It’s important to review your personal requirements and circumstances before choosing a crypto exchange. Image: Freepik

The good news? There’s genuinely no single “best” exchange. There’s just the best one for what you need. Let’s break it down.

What are spreads?

The best crypto exchanges in the Netherlands in 2026

All platforms in this guide operate legally in the Netherlands. Under the EU’s new MiCA framework, a licence in one EU country (for example, Germany, Austria or Ireland) allows a crypto platform to offer its services across the entire European Union.

This means that Dutch users can safely use any platform listed here, provided they meet standard verification requirements.

1. Trade Republic: Best for budget-friendly investing

trade-republic-logo-best-cryptocurrency-exchanges-netherlands

Trade Republic gives Dutch users an easy way to combine savings, stocks and crypto in one app, while funding your account seamlessly through iDEAL. The 2% interest on uninvested cash makes the app appealing if you like to keep part of your portfolio liquid.

The platform holds a European MiCA licence and is supervised in Germany. You can withdraw some coins to a private wallet, although not every asset supports this yet.

Sign up with Trade Republic

✅ Pros:

• Easy to use and quick to set up
• iDEAL deposits supported
• High interest on cash balances

❌ Cons:

• Flat 1% crypto fee
• Not all coins support wallet withdrawals
• No phone support

2. DEGIRO: Best for stock investors

degiro-logo-best-cryptocurrency-exchanges-netherlands

DEGIRO is one of the largest online brokers in Europe, and now allows you to buy major cryptocurrencies in the same account where you hold your stocks. Crypto trades cost up to 0.5% (plus a small spread), which puts most trades around 0.4 to 0.7%.

Your crypto stays inside DEGIRO’s system, so you cannot withdraw to your own wallet. It is convenient for investors who want a simple way to add a little crypto without switching apps.

Sign up with DEGIRO

✅ Pros:

• One account for stocks, ETFs and crypto
• Intuitive and user-friendly app interface
• iDEAL deposits supported

❌ Cons:

• No external wallet withdrawals
• Higher costs than Bitvavo or Kraken
• Limited crypto selection

Disclaimer: Investing involves risk of loss.

3. Scalable Capital: Best for the risk-averse

scalable-logo-best-cryptocurrency-exchanges-netherlands

Scalable Capital offers crypto exposure through ETPs rather than real coins. You trade them like stocks, which feels familiar if you are a traditional investor. You typically pay around €0.99 per trade (or €0 from €250 on PRIME+), plus a 0.69 to 0.99% product spread.

Because you are buying ETPs, you cannot move your holdings to a private wallet. It suits long-term investors who prefer a regulated, hands-off approach.

Sign up with Scalable

✅ Pros:

• Good for long-term portfolios
• Strong European regulation
• Easy for stock investors

❌ Cons:

• No real crypto ownership
• No iDEAL deposits
• Fees add up for small purchases

4. Coinbase: Best for international, security-focused users

coinbase-logo-best-cryptocurrency-exchanges-netherlands

Coinbase is one of the most trusted crypto platforms worldwide. Simple buys cost around 1% (plus fees), while the Advanced Trade interface offers lower rates. Dutch users can deposit instantly with iDEAL.

The platform holds a European MiCA licence and is registered with the Dutch central bank. It has experienced some data security incidents, but without any loss of customer funds.

Sign up with Coinbase

✅ Pros:

• Very beginner-friendly
• Strong security reputation
• iDEAL deposits supported

❌ Cons:

• Simple buys can be expensive
• Customer support can be slow
• Fewer trading tools than Kraken

5. BYDFi: best for hands-on, advanced traders

bydfi-crypto-platform-logo

BYDFi is a global platform aimed at people who want to trade actively rather than just buy and hold. It offers advanced tools, plus copy trading where you automatically mirror the trades of more experienced investors across 1,000+ coins.

While BYDFi isn’t regulated under the EU’s MiCA rules like the other platforms here, you can practise risk-free first with a demo account loaded with fake money.

Sign up with BYDFi

✅ Pros:

• Low trading fees
• Practice mode to learn before risking real money
• Copy trading lets you follow the pros

❌ Cons:

• iDEAL deposits are not currently supported
• Purchases made with regular currencies are processed through third-party providers

6. Kraken: Best for experienced traders 

kraken-logo-best-cryptocurrency-exchanges-netherlands

Kraken suits serious traders who want more control, especially via its Kraken Pro interface, which offers advanced tools and order types. Fees on Kraken Pro start at about 0.25% maker/0.40% taker, depending on your volume.

Kraken holds a MiCA licence in Europe and is known for strong security practices. Dutch users can deposit euros quickly via iDEAL, but the platform can look complex if you are brand new to crypto.

✅ Pros:

• Low fees on Kraken Pro
• Advanced tools for traders
• iDEAL deposits supported

❌ Cons:

• Interface can overwhelm beginners
• Higher fees on Instant Buy
• Less user-friendly than Coinbase

Sign up with Kraken

7. eToro: Best for beginners

etoro-logo-best-cryptocurrency-exchanges-netherlands

eToro lets you copy experienced traders, which makes crypto less intimidating for beginners. You buy crypto via spreads that average around 0.75 to 1% for Bitcoin. Deposits can be made with iDEAL, card or PayPal.

The platform is MiCA-authorised in Europe. Wallet withdrawals are possible but require an extra step using the eToro Money app.

Sign up with eToro

✅ Pros:

• Social trading helps you learn
• iDEAL, PayPal and card deposits
• Simple interface

❌ Cons:

• Not the cheapest for active traders
• Charts and indicators are basic compared to pro tools

Choosing your crypto exchange in the Netherlands

Still overwhelmed by the choice of crypto exchanges in the Netherlands? Here’s how to decide:

Choose Trade Republic if: You want an affordable, user-friendly experience that combines stocks, ETFs, and crypto in one app.

Choose DEGIRO if: You already use them for stocks and want simple crypto exposure without learning new platforms.

Choose Scalable Capital if: You want crypto exposure but prefer traditional securities regulation and don’t need to actually own the coins.

Choose Coinbase if: You’re an international or prioritise maximum security and institutional trust over cost savings.

Choose Kraken if: You’re an experienced trader wanting advanced features, staking, and futures trading.

Choose eToro if: You’re a complete beginner wanting to learn by copying successful traders.

PlatformFeesBest for
Trade RepublicLowCost-conscious investors
DEGIROMedium (spread-based)Stock investors
Scalable CapitalMedium (ETPs)Conservative investors
CoinbaseHighBeginners, internationals
KrakenLow-MediumAdvanced traders
eToroHigh (spread-based)Beginners who want social features

Understanding Dutch tax implications

Here’s the bit nobody wants to hear about but everyone needs to understand when it comes to trading crypto in the Netherlands: the taxes.

In the Netherlands, cryptocurrency falls under the Box 3 wealth tax, not capital gains. This is different from most countries and catches many people off guard.

How it works

On January 1 of each year, the tax office looks at your total assets (including crypto holdings). You pay tax on a deemed 5.88% return, at a rate of 36%, regardless of your actual gains. Assets below the tax-free allowance are exempt.

crypto-investors-in-the-netherlands-trying-to-figure-out-how-to-pay-tax-on-their-investments
Paying taxes on crypto? Ja, be prepared to declare your investments under your total assets. Image: Freepik

So if you held €10,000 in Bitcoin on January 1, 2025, you would pay tax on €588 (5.88% of €10,000), which equals €212 in tax, whether your Bitcoin went up, down, or sideways that year.

The tax-free threshold

Everyone in the Netherlands gets a basic tax-free allowance, i.e. a fixed amount of assets (assets minus debts) that is exempt from tax.

In 2026, the first €59,357 per person (or €118,714 for couples) is tax-free. That threshold includes all your savings, investments, and crypto combined.

Why your exchange choice matters

Some exchanges offer better tax reporting than others, and international platforms might require more manual work assembling transaction histories.

Also, remember that if your crypto isn’t in a Dutch bank account, the tax office can’t see it directly, but you’re legally required to report it. Don’t be that person who gets an audit notice three years later.

The iDEAL advantage

Instant deposits matter when crypto prices move fast.

Most of the platforms in this guide support iDEAL or near-instant euro payments, including Coinbase, Kraken, DEGIRO, and eToro. These deposits usually arrive within seconds, so you can buy at the price you see.

dutch-investor-sitting-on-sofa-at-home-and-paying-for-crypto-with-ideal
With the option to pay via iDEAL, your crypto payments are quick and seamless. Image: Freepik

Only one platform in this list does not offer iDEAL: Scalable Capital. It relies on SEPA transfers or direct debit instead, which can take one to three working days.

If your platform does not support iDEAL, the easiest workaround is to deposit funds in advance. It is less flexible, but it means your euros are ready the moment you want to buy crypto.

How secure are crypto exchanges in the Netherlands?

Let’s cut through the technical jargon. Here’s what actually keeps your crypto safe, a.k.a. what you want to pay attention to when choosing your platform:

  • Regulatory compliance: All platforms on this list are properly regulated in the Netherlands or across the EU. This means proper audits, capital requirements, and consumer protection standards that are actually enforced.
  • Where coins are stored: Modern crypto platforms use a combination of storage methods. Most keep the majority of funds in “cold storage,” i.e. offline storage that protects from hacking and malware. A smaller portion stays in “hot wallets” for day-to-day transactions. 
  • Insurance and protection: Many major platforms offer some form of protection, whether that’s traditional insurance, guarantee schemes, or emergency funds. The coverage varies, so it’s worth checking what specific protection each platform offers.
  • Your own security: Most crypto losses happen because of user error. Enable two-factor authentication, use a strong password, and don’t click suspicious links in emails or messages claiming to be from your platform.

What’s new for crypto investors in 2026

Crypto in the Netherlands became noticeably more mature in 2026, and here are the changes that mattered most. 👇

  • EU MiCA rules started coming into force.
    Major exchanges operating in Europe now face tighter supervision, clearer disclosure rules, and higher consumer-protection standards. For Dutch users, this means a more stable and better-regulated market.
  • More exchanges added instant payments for Dutch users.
    iDEAL support expanded across several platforms, making deposits almost instant and removing one of the biggest pain points for beginners.
  • DEGIRO entered the crypto space.
    DEGIRO launched direct crypto trading in the Netherlands in September 2025, allowing millions of Dutch stock investors to add Bitcoin and Ethereum to their existing portfolios without using a separate app.
dutch-man-smiling-at-his-phone-while-he-grows-his-portfolio-with-crypto-investments
Staying up-to-date with the latest developments helps you make smarter crypto investments. Image: Freepik

Together, these changes made 2025 the year crypto in the Netherlands shifted from a niche hobby to a more regulated and accessible investment category.

The bottom line? The best crypto exchange in the Netherlands depends entirely on what you need.

If you’re already investing in stocks through a specific platform, checking their crypto offering can make adding Bitcoin to your portfolio remarkably simple. 

But if you want to dive deeper into the world of crypto, specialised platforms often offer the best combination of low fees, local support, and ease of use.

Which crypto exchange do you use? Have you tried any of these platforms? Share your experience in the comments.

Disclaimer: Investing involves risk of loss.

Best crypto exchanges in the Netherlands: Frequently asked questions

Is buying crypto legal in the Netherlands?

Do I need to pay tax on crypto in the Netherlands?

What’s the cheapest exchange for Dutch users?

Which exchange is best for beginners?

Can I buy crypto with iDEAL?

Can I still use Binance in the Netherlands?

What happens if I don’t report my crypto to the Belastingdienst?

Which exchange has the most cryptocurrencies?

Do I need to verify my identity to use a Dutch crypto exchange?

7 important things to check on your Dutch employment contract in 2026

DutchReview Crew
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7 important things to check on your Dutch employment contract in 2026

✍️ Written by Seliz Demirci, employment lawyer at GMW lawyers.

Receiving a job offer in the Netherlands is exciting, and it can be tempting to sign the employment contract right away. However, the best thing you can do is resist this urge.

Why’s that? Because once signed, many of the agreements in an employment contract become legally binding. 

While some may be overridden by statutory law, most will hold up, and you could find yourself committed to terms you didn’t fully agree with. 

That’s why it’s important to be critical not only of the most obvious terms of employment, such as your salary but also of the other clauses. 

So, let’s talk about the most important things to check on your Dutch employment contract. 👇

Starting a job in a foreign country is as exciting as it is intimidating. To make sure you get everything right, don’t hesitate to reach out to GMW lawyers to get help from one of their expert employment lawyers.

1. What is the type and duration of your contract?

Dutch employment law distinguishes between fixed-term and indefinite employment contracts — tijdelijk contract versus vast contract. 

Usually, employers first offer a fixed-term employment contract, but with the current tight labour market, many choose to immediately offer indefinite-term contracts to secure talent.

woman-reading-employment-contract-that-was-offered-to-her-in-the-netherlands
Feel free to take your time to read and re-read the contract that was offered to you. Image: Depositphotos

So, what’s the difference? For one, a fixed-term contract (which can also be referred to as a temporary employment contract) ends automatically on a pre-determined date.

An indefinite employment contract (also known as a permanent contract) expires only when the employee resigns or when the employer terminates the contract. 

However, the two types of contracts also differ in other ways, such as the probationary period and the validity of a non-compete clause.

For example, a fixed-term contract lasting between six months and two years can only include a probationary period of up to 1 month. In contrast, a probationary period of up to 2 months can be agreed upon in an indefinite-term contract. 

When it comes to non-compete clauses, these are generally prohibited in fixed-term contracts unless the employer provides written justification. 

Good to know: In the Netherlands, the ketenregeling limits how many consecutive fixed-term contracts an employer can offer before the relationship automatically converts to an indefinite contract. The current rule is a maximum of three consecutive fixed-term contracts, or a total duration of 36 months, whichever comes first.

2. What are the terms for your working hours?

Your Dutch employment contract has to adhere to the Working Hours Act, which, among other things, regulates the maximum number of hours your employer can require you to work over a given period of time.

According to the Act, employees aged 18 and over can work a maximum of 12 hours per day and 60 hours per week. 

photo-of-nurse-in-the-netherlands-discussing-medical-report-with-woman-patient-not-allowed-to-work-too-many-hours
No matter how much you love your job, there comes a time when you have to go home. Image: Freepik

However, this isn’t allowed permanently, and there are specific limits based on longer periods:

  • Over a 4-week period, you may work an average of 55 hours per week, though collective agreements or company policies can offer some flexibility. You can never work more than 60 hours in one week.
  • Over a 16-week period, you may work a maximum of 48 hours per week on average.

When it comes to your working hours and the terms surrounding them, it’s also important to check your employer’s policies around remote working. 

Contrary to what many people think, there is no legal right to work remotely in the Netherlands — but you and your employer can make agreements in this regard. 

3. Are you covered by a Collective Labour Agreement (CAO)?

Your employment contract may be governed by a Collective Labour Agreement (CAO, collectieve arbeidsovereenkomst), which outlines rules regarding various employment conditions. 

This includes regulations on minimum salaries for specific positions, notice periods, and working hours. 

These rules are negotiated between employers and unions or workers’ representatives, and your employer cannot modify them in a way that negatively impacts you as an employee.

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You can also ask about the Collective Labour Agreement while you’re still interviewing. Image: Freepik

Your employment contract will usually indicate whether it falls under a Collective Labour Agreement and, if so, which one.

Your employer is obligated to follow a Collective Labour Agreement if:

  • They have established a company-specific agreement (company collective agreement);
  • They are a member of an employers’ organisation that has concluded one for them (sectoral collective agreement);
  • There is an industry-wide collective agreement that has been declared generally binding to all employers in the sector. 

4. Make sure you understand your base salary, incentives, and benefits

If your employment contract falls under a Collective Labour Agreement, it’s a good idea to consult this for any guidelines regarding your base salary.

If this is not the case, you and your employer are free to determine your base salary by mutual agreement. 

READ MORE | What are your rights as an international working in the Netherlands? We asked the experts

On top of your base salary, you are legally entitled to holiday allowance — unless otherwise agreed in a Collective Labour Agreement. Additionally, your employer might offer a year-end bonus as an extra incentive.

If you’re part of a bonus or incentive scheme, it’s important to make sure that the eligibility criteria are clearly defined.

If these are too vague, it is wise to clarify them in advance to avoid your employer being too arbitrary with them. 

5. How are your travel expenses reimbursed?

Speaking of benefits, it’s important to determine how (if at all) your travel expenses are reimbursed by your company. 

Although public transport costs are quite high in the Netherlands, it’s important to know that your employer is not legally obliged to reimburse your commuting expenses. Many do, but they’re not required to. 

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Luckily, trains in the Netherlands run very regularly. Image: Freepik

If your employer does reimburse travel costs, the typical amount is up to €0.23 per kilometre, which is the maximum that remains tax-free. If they provide a higher reimbursement, the excess amount is considered part of your salary, meaning taxes must be withheld on it.

If you have a public transport OV card or a (lease) car through your employer, travel expenses are, in principle, not reimbursed separately. 

​​Not sure whether all is in order with your Dutch employment contract? Get a professional involved! GMW’s employment lawyers are here to help you out with advice tailored to your situation.

Contact them now

6. Are there any non-compete and confidentiality clauses in your contract?

When signing your Dutch employment contract, you might find that it includes a non-compete or a confidentiality clause. It’s crucial to understand these, along with the impact they could have on your future career opportunities.

While non-compete clauses may not be the first items you consider in an employment contract, they hold significant importance. These clauses are legally valid if they are agreed upon in writing within an indefinite employment contract, even if their wording is vague. 

In contrast, non-competition clauses in fixed-term contracts are often not legally enforceable unless there are compelling business interests that are clearly specified in the contract.

photo-of-man-shaking-hands-with-international-looking-for-job-in-Netherlands-during-interview
You shouldn’t sign an employment contract until you’re happy with all the clauses in it. Image: Freepik

It’s good to know that a non-compete clause can often be negotiated at the start of the employment contract, for example, by not including the clause in the contract at all or by limiting its duration or scope. 

If you don’t do this when entering the employment contract, it is difficult to negotiate its waiver or adjustment upon termination. 

Hence, it is smart to discuss with your future employer if and to what extent such a clause may be too restrictive for you and whether it is necessary to include it.

7. What are the terms and notice period for termination?

Naturally, there aren’t only things to look out for when you first start your job, but also for later down the line when you may want to quit it. That’s why it’s important to check the terms of termination in your Dutch employment contract.

There are different ways in which an employment contract can be terminated in the Netherlands. They are:

  • By the employee: The employee can initiate the termination.
  • By a termination procedure through the court or the UWV: This involves formal proceedings for dismissal.
  • By summary dismissal: This is an immediate termination due to serious misconduct.
  • By mutual agreement: Both parties can agree to end the contract, resulting in a termination agreement.

By law, employees must give a notice period of one month. However, this can be extended by mutual agreement in your contract. 

In such cases, the employer’s notice period must be double the employee’s, meaning a clause specifying a two-month notice period for both parties is not legally valid.

READ MORE | Unfair dismissal in the Netherlands: What you need to know [2026 guide]

Have the statutory notice periods been declared applicable to your contract? If so, your employer’s notice period depends on how long your employment contract has lasted. The following notice periods for the employer then apply: 

  • Less than 5 years: 1 month
  • Between 5 and 10 years: 2 months
  • Between 10 and 15 years: 3 months
  • 15 years or longer: 4 months

Going through your Dutch employment contract can be tedious, but it’s crucial to make sure you fully understand all the terms and conditions that could impact your rights and obligations as an employee.

Success! 💪

Do you have experience working in the Netherlands? Share your thoughts in the comments!

Archaic 20cm-long Roman penis statue discovered in dusty old box

Kriti Swarup
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Archaic 20cm-long Roman penis statue discovered in dusty old box

The Netherlands has begun opening archaeological artefacts found decades ago. In the very first batch, they found a 20-centimetre penis statue made of bone.

Due to a change in the Erfgoedwet (Heritage Act), provinces are now the official owners of archaeological findings. This is why 16,000 unopened boxes discovered up to 70 years ago were moved to the Province of Gelderland, which was once a part of the Roman Empire.

It will take six years and €8 million until all boxes are opened, catalogued, and repacked. The first 300 boxes have already shown some intriguing results, according to the Valkhof Museum in Nijmegen, which is in charge of the project.

An old penis

Among many artefacts is the penisbeeld (penis statue). This is a 20-centimetre, or almost 8-inch, object carved from bone.

“Romans felt no shame regarding genitals,” explained Ilse Schuuring, an archaeologist for the Province of Gelderland.

Representations of sex organs were commonly made as amulets that symbolised fertility, or hung near doorways to keep evil spirits at bay. Not far off from the penis keychains in Amsterdam’s Red Light District. The only difference is that those are probably made in China.

The Roman penis, however, was unearthed from the ground beneath Canisius College (a former boarding school) in Nijmegen. This lot of boxes is 1,800 to 2,000 years old.

There’s more

Also found among the early finds: Roman-era tableware that is nearly fully intact. Schuuring claims that the cups and bowls are unmarked: “You could eat from it straight away.”

Romans pressed patterns onto the reddish tableware using a mould. These cups show a deer leaping through a forest.

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The kind of cutlery that goes on sale around Christmas time — except the Romans did it first. Image: Supplied/Provincie Gelderland

Found near a Roman army camp was a drinking cup with a happy face on it. Although it lay in a dark warehouse for most of the century, it will soon find its very own shelf in the Valkhof Museum.

Peter Drenth, Provincial Executive Member, is understandably excited. He called the collection an “enormous treasure trove,” adding that even these first results show just how rich and varied Roman life in Gelderland once was.

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Albert Heijn just launched a phone case with an egg cup attached (and swear they’re not joking)

Samantha Dixon 🇦🇺
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Albert Heijn just launched a phone case with an egg cup attached (and swear they’re not joking)

Dutch supermarket giant Albert Heijn has launched a blue phone case with a built-in eierdopje (egg cup) on the back — and no, before you ask, it is absolutely not an April Fools’ joke.

When the supermarket posted a slick promotional video for the gadget, followers were unconvinced. “This can’t be real,” came the replies, alongside “April 1st is early this year.”

However, an Albert Heijn spokesperson confirmed to AD that it’s the real deal: “We understand people think that, but it isn’t the case.”

Breakfast tech, apparently

The video’s mysterious voiceover laments that technology has long tried to bring people together, but keeps driving them apart — especially at the breakfast table.

The solution? Strapping an egg cup to your phone. Perfectly normal.

Commenters seemed genuinely won over, with egg puns flying fast: “Egg-cellent,” “Finally the innovation we needed.”

We’re not sure the Nobel Prize committee is ready, but we respect the hustle.

More than just an egg cup

Buyers have already found creative uses beyond balancing a soft-boiled egg on their handset.

The little cup reportedly doubles as a sauce dish, a shot glass, and even a suction mount for the car — making it the most versatile piece of technology since the Swiss Army knife — if Swiss Army knives were blue and smelled faintly of breakfast.

If you missed Albert Heijn’s previous foray into unexpected merch, this tracks perfectly. The Dutch supermarket has serious form.

Still doubting if it’s an April Fool’s grapje? Well, AH is committed to the bit, so the phone case is available on Albert Heijn’s website.

Would you buy one? Drop your most creative use for a phone-mounted egg cup in the comments.

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