You can legally obtain a weight-loss prescription in the Netherlands without setting foot in a clinic. Licensed, BIG-registered doctors handle the assessment entirely online, delivering your treatment safely and discreetly to your door.
The Netherlands has one of the better healthcare systems in Europe, but for internationals, it can feel like a maze. Language barriers, amongst other things, can make the whole in-person process exhausting before it’s even begun.
It’s worth clearing something up before we go further: modern prescription weight-loss treatments are nothing like the stimulant-based diet pills of decades past.
Older-generation options largely worked by suppressing appetite through the central nervous system, blunt instruments that were often only approved for short-term use and came with a fair number of side effects.
Newer-generation prescription treatments work differently: they interact with the body’s own hormonal signals to regulate hunger, slow digestion, and influence how the body processes blood sugar. The science has moved on significantly, and for eligible patients, so have the results.
Modern weight-loss drugs have come a long way, with fewer side effects and more effective treatments. Image: Wellis
That’s precisely why these medications require a prescription. They’re effective, but they need to be carefully matched to the right person, which brings us to why having a legitimate medical process behind them matters.
A fully regulated alternative to traditional clinics
This is where online medical consultations come in, and no, this isn’t a grey-area workaround. It’s a fully legal, regulated pathway to accessing prescription treatment in the Netherlands.
Wellis is an integrated online health platform that connects patients with BIG-registered doctors and healthcare professionals.
BIG stands for Beroepen in de Individuele Gezondheidszorg, the Dutch register that certifies licensed medical professionals, the same standard applied to your local clinic or hospital.
Wellis operates in full compliance with Dutch healthcare law and AVG (the Dutch implementation of GDPR), meaning your data and your health information are handled to the same standard as any regulated medical provider.
How the Wellis consultation process works
The process is straightforward, and it works in 3 steps:
Step 1: Fill in a health questionnaire. You’ll answer questions about your medical history, current weight, lifestyle, and any medications you’re taking.
Step 2: Online consultation with a healthcare professional. A healthcare professional will contact you by phone. Subsequently, a doctor will assess your application and, if suitable, prescribe the appropriate treatment. It’s a real conversation, not an automated tick-box exercise.
You’ll be in contact with a healthcare professional, who’ll assess your application. Image: Wellis
Step 3: Home delivery and ongoing support. Receive your medication at your home within one to two business days, free of charge and packaged discreetly. You’ll receive a tracking number once it’s on its way.
What kind of medication could you be prescribed?
The treatment options available through Wellis fall into the category of newer-generation prescription weight-loss medications, the kind that work with the body’s hormonal system rather than bypassing it.
What you’re prescribed depends entirely on your individual health profile.
There’s no one-size-fits-all approach: Wellis’s doctors assess your situation and recommend what’s medically appropriate for you specifically, taking into account your health history, current weight, and any other relevant factors.
The medication offered will depend on your personal situation. Image: Wellis
Throughout your treatment, you also have ongoing access to Wellis’s healthcare team at no extra charge.
Got questions in a few weeks? Not sure if what you’re experiencing is normal? You can contact a professional at any time.
Is it safe and legitimate?
These are fair questions, and the answers are yes and yes.
All of Wellis’s healthcare professionals are BIG- and EU-registered, and every prescription is issued by a licensed doctor and fulfilled by a registered pharmacist. The platform follows the same laws and regulations that apply to any medical practice in the Netherlands.
Wellis is also trusted by over 45,000 patients across the country (as of June 2026). So while it may feel like a newer way of doing things, it’s well-established in practice.
According to CBS, more than half of all adults in the Netherlands are now classified as overweight, which means having more accessible routes to medically supervised treatment matters more than ever.
So what are your thoughts about getting a weight-loss prescription? Any experiences or tips? Let us know in the comments!
While starting a business in the Netherlands is fairly straightforward, a few financial surprises catch expat entrepreneurs off guard every year… and most of them are entirely avoidable.
This guide covers the seven financial hurdles most likely to trip up internationals starting a business in the Netherlands in 2026, from choosing the right legal structure to protecting your income when there’s no employer safety net.
The good news is that most of these pitfalls are entirely manageable once you know what you’re dealing with.
1. The wrong legal structure will cost you more than you think
If you’re setting up a business in the Netherlands, the first decision you’ll make is choosing between an eenmanszaak (sole proprietorship) and a BV (besloten vennootschap or private limited company).
Not sure what the difference is between the two? Let’s take a closer look:
One common mistake that internationals make is choosing their business structure based on upfront costs. While an eenmanszaak is cheaper to start with, personal income tax rates can easily outweigh any cost-saving at higher profit levels.
Here’s what to do instead: Book an appointment with an accountant or business financial advisor before registering your company.
Thinking about freelancing or setting up a BV? Revolut Business gives you a Dutch IBAN, multi-currency accounts in more than 30 currencies, virtual and physical cards with spend controls, and automated expense management — all in one place.
Even better: new customers get a €80 welcome bonus when they open an account online. (T&Cs apply.)
2. You aren’t claiming all the tax deductions you’re entitled to
Most new entrepreneurs in the Netherlands claim one or two deductions and stop there. The Dutch tax system actually offers several, and missing them means paying more tax than you need to.
It definitely pays to familiarise yourself with Dutch tax rules and deductions. Image: Magnific
Here’s what to do instead: Make sure you explore other deductions that you may be entitled to. These may include:
Zelfstandigenaftrek (self-employed deduction): This deduction reduces your taxable profit by €1,200 in 2026. To claim it, you must spend at least 1,225 hours per year on your business, and more time on your business than on any other work.
Startersaftrek (start-up deduction): If you’re in your first five years of running a business, you can reduce your taxable profit by an additional €2,123 on top of the zelfstandigenaftrek.
KIA (small-scale investment deduction): If you invest between €2,901 and €398,236 in business assets in a single year (think: equipment, tools, and hardware), you can deduct a percentage of that investment from your taxable profit.
MKB-winstvrijstelling (SME profit exemption): Once you’ve applied all your other deductions, this exemption automatically removes a further 12.7% of your remaining profit from your taxable income.
In addition to this, costs directly related to running your business (such as software subscriptions, professional training, a work phone, and travel expenses) are deductible from your profit.
3. You don’t have a clear picture of your VAT obligations
VAT, known in Dutch as BTW (belasting over de toegevoegde waarde), trips up a lot of new entrepreneurs. While the rules for Dutch taxes aren’t complicated, some obligations can cost you money if you get them wrong.
Here’s what to do instead: Get familiar with the tax system here before you set your company up.
The standard BTW rate in the Netherlands is 21%, with a reduced rate of 9% for things like food, books, and medicine.
Below that threshold, the KOR (Kleine Ondernemers Regeling, small business VAT exemption) lets you opt out. However, you lose the right to reclaim VAT on business purchases.
4. You leave it too late to open a business bank account
Most new entrepreneurs assume that opening a business bank account is quick. In the Netherlands, however, it often isn’t.
Traditional Dutch banks can take two to eight weeks for their KYC (Know Your Customer) review, according to business.gov.nl. And, if you’re setting up a BV, you’ll also need to complete a UBO (Ultimate Beneficial Owner) registration with the KVK before most banks will even begin your application.
Dutch business bank accounts can be handy, but don’t leave your sign-up too late! Image: Magnific
These delays can hold up everything from sending your first invoice to processing VAT.
Here’s what to do instead: Start your banking application as soon as you’ve completed your KVK registration. If you need a bank ASAP, explore neobanks or fintech options.
Don’t let Dutch bureaucracy hold up your business. Revolut Business gets you a Dutch IBAN and a fully operational account in as little as 48 hours, so nothing stands between you and your first invoice.
5. You don’t realise you could be reclassified as an employee
The Wet DBA (or the Dutch Employment Relationships Deregulation Assessment Act) is the law that governs how the Belastingdienst classifies working relationships.
If your freelancing setup looks more like employment than a genuine ZZP’er structure, you could be reclassified — and face retroactive tax assessments going back to January 2025 and, from 2026, fines.
Here’s what to do instead: Use the Belastingdienst’s free employment relationship assessment tool (webmodule beoordeling arbeidsrelatie) before signing contracts.
Working with multiple clients and ensuring your contracts reflect genuine independence significantly reduces the likelihood of being fined.
6. You assume the 30% ruling follows you into self-employment
The 30% ruling (30%-regeling) is one of the most valuable financial benefits available to expats working in the Netherlands.
It allows eligible employees to receive up to 30% of their salary tax-free, intended to offset the extra costs of relocating here. However, the key word here is “employees”.
If you leave employment to go freelance as a ZZP’er (zelfstandige zonder personeel, self-employed professional), you lose this tax break.
If in doubt, consult with an accountant who can assess your eligibility for the ruling. Image: Magnific
Here’s what to do instead: If you currently hold the ruling and are considering going freelance, explore the DGA route before handing in your notice.
Set up a BV and pay yourself a qualifying salary as a directeur-grootaandeelhouder (DGA, director-shareholder). As you’re technically an employee of your own company, the ruling still applies.
7. You underestimate how much the lack of a safety net will cost you
When you go self-employed, you step outside the Dutch employee social security system.
This means you aren’t entitled to any unemployment benefits, employer-funded sick pay, or long-term disability benefits. And, while your meagre AOW (state pension) continues to grow, there’s no employer-funded pension added to it; either you build it yourself, or it doesn’t get built.
Here’s what to do instead: Budget from day one for three things.
Setting up as a foreign freelancer in the Netherlands is admin-heavy enough without your business bank account making things harder; here’s why thousands of freelancers are ditching traditional banks and signing up with Revolut Business.
Between deciphering KVK forms and tackling quarterly taxes, admin tasks can add up quickly. Even worse, they can get considerably more confusing if you’re not Dutch.
An IBAN (International Bank Account Number) is the standardised number that identifies your bank account for payments. In simple terms, it’s what you give clients so they can transfer money to you.
Many Dutch clients, government portals, and direct debit systems still expect an NL IBAN. If you’re registered with a non-Dutch bank and have a foreign IBAN, this can cause trigger payment rejections or compatibility issues with certain local systems.
With a Dutch IBAN, payment processes are far smoother in the Netherlands. Image: Magnific
However, Revolut Business provides a Dutch NL IBAN alongside SWIFT/BIC details, so you’re set up for local payments from day one. The set-up process is also quick and easy, and can be completed online — which is ideal if you’re a freelancer with a busy schedule.
You can invoice clients directly from the app
Invoicing is included across all plans, so you needn’t opt for the priciest subscription to gain access. It’s like having a mini accountant in your pocket, where you can create, send, and track invoices without leaving your mobile app.
And it’s convenient for your clients, too. They can use any of the following payment options:
Bank transfer,
Card payment,
Payment link or QR code,
Revolut Pay, and
Tap to Pay on iPhone.
The last option is especially handy if you’re a ZZP’er with an in-person job, such as a photographer. There’s no card reader needed, as your iPhone handles it for you!
You can hold and send money in 35+ currencies
If you have clients outside the Netherlands (such as in the UK, the US, or further afield), a single-currency account creates unnecessary friction. You either lose money on foreign currency transfers or you need to spend time shuffling funds between accounts.
In contrast, Revolut Business lets you hold and exchange 35+ currencies within one account, at the interbank rate (up to your plan’s monthly allowance). Disclaimer: Plan limits apply. Any additional fees are shown up-front. T&Cs apply.
For international ZZP’ers in the Netherlands who need to transact between currencies, this can save you a noticeable chunk of change each year.
You can sync your accounts with your bookkeeping software
Belastingaangifte (tax return) season is stressful enough without needing to add up months of transactions or toting a stack of files to your accountant.
Your Revolut Business account syncs easily with accounting integrations from Xero, QuickBooks, Zapier, and more.
And, if your accountant uses Dutch-specific software like Moneybird or e-Boekhouden, Revolut’s CSV export works cleanly with both. Your transactions are categorised and exportable when you need them.
You can reach English-language support at any time of day
As most internationals in the Netherlands can attest, traditional Dutch banks aren’t always set up to support us fluently. Navigating an issue in het Nederlands when you’re not sure what’s wrong with a payment isn’t fun.
Thankfully, Revolut Business offers 24/7 English-language customer support across all plans. The app also includes a security control centre, biometric authentication, and an account lock you can trigger instantly if something looks off.
You can set spending limits and keep business finances separate
One of the Belastingdienst’s strongest recommendations for ZZP’ers is keeping business and personal finances clearly separated. It makes your belastingaangifte (tax returns) cleaner, and it makes your records far easier to defend if you’re ever audited.
Avoid sifting through a jumble of personal and business expenses by keeping your company finances separate. Image: Revolut
Revolut Business gives you a dedicated account with its own physical and virtual corporate cards, so your business spending never bleeds into your personal finances.
You can also set spending limits, restrict certain merchants, and track expenses, all from your mobile banking app.
You can switch plans as your business grows
If you’re just starting as a ZZP, you likely won’t need a premium business account, and there’s no reason to pay for features you won’t use for another two years.
Revolut Business offers four plans, so you can start lean and scale up as your needs change, without switching providers or redoing your onboarding. The Basic plan (€10/month) covers the essentials, from your much-needed NL IBAN to invoicing, cards, and expense management.
Once your business has found its footing and is expanding, your business bank account can grow with you.
The Grow plan (€35/month) adds bulk transfers, analytics, savings interest, and access to the Business API. Meanwhile, Revolut’s Scale plan (€125/month) is built for businesses handling higher volumes of international transfers.
In short, you only pay for what you actually need, when you actually need it.
Want to test the waters? Join Revolut Business before June 30, 2026, and access an exclusive €80 sign-up bonus (T&Cs apply).
Have you opened a business bank account with Revolut? Share your experience in the comments below.
Disclaimer: Sign up to Revolut Business via the link and add money to your account to receive a €80 welcome bonus. Subscription fees, Promotion and Business T&Cs apply. Banking services provided by the Dutch branch of Revolut Bank UAB, authorised by the Bank of Lithuania and the ECB.
Payment system iDEAL is being replaced by Wero, and Dutch businesses have until the end of 2027 to make the switch.
The migration started in January 2026, with an earmarked date of December 2027 to fully complete the transition from iDEAL. If you’re a freelancer or business owner in the Netherlands, the switch to Wero is key.
Here’s what’s actually changing, and what you and your business need to do about it.
What are iDEAL and Wero?
iDEAL is the bank-to-bank payment system that has dominated e-commerce in the Netherlands since 2005. When a customer pays through iDEAL, money moves directly from their Dutch bank account to yours.
However, the catch is that it only works in the Netherlands. In other words, neither a French customer nor a German customer can pay you with iDEAL. That’s the problem Wero is built to solve.
Wero (short for “We Euro”) is a pan-European payment system developed by the European Payments Initiative (EPI), which is a consortium of 16 major European banks, including ABN AMRO, ING, and Rabobank.
Irrespective of where they live in the EU, your customers can pay you with Wero. Image: Magnific
It operates the same way iDEAL does, with direct bank-to-bank transfers via SEPA Instant Credit Transfers. The main upgrade? It works across borders, too — allowing all your customers within the EU to pay you easily.
In addition to this, Wero is explicitly designed to reduce Europe’s dependence on Visa, Mastercard, and PayPal.
This is because most online payments in Europe flow through American networks (such as the aforementioned American card networks), which take a fee on every transaction. Wero cuts them out entirely, moving money directly between European bank accounts instead.
While your online checkout transitions to Wero, don’t overlook your in-person payments. Revolut Business makes accepting contactless and mobile wallet payments seamless, making accounting a breeze.
Ready to upgrade? Open an account before June 30, 2026, to claim your €80 bonus and unlock a local Dutch IBAN. (Terms & conditions apply.)
While Dutch customers can quickly and seamlessly pay Dutch businesses, iDEAL has severe limitations for customers elsewhere in the EU.
If your company has ever had to offer multiple payment methods just to cover European buyers, this is exactly why.
Thanks to Wero, European customers can now pay Dutch businesses seamlessly. Image: Freepik
But the Netherlands isn’t alone in this struggle. Belgium, France, and Germany each built their own local payment systems, none of which worked across borders. Now, Wero replaces all of them with a single pan-European solution.
What changes for your business (and what doesn’t)
If you run a business or sole tradership (eenmanszaak) in the Netherlands, the good news is that you’re unlikely to notice any major changes until 2027.
Here’s what stays the same with Wero
You don’t have to create your payment account from scratch.
According to Wero, you can integrate the system through your existing payment service provider (PSP), which will handle the onboarding and setup on your behalf.
So, if you’re on Stripe, Mollie, or Adyen, you probably won’t need to do anything technical at all. These PSPs are building Wero support directly into their existing dashboards and APIs, so iDEAL will be replaced automatically.
And if you take subscription payments, your recurring charges are safe. iDEAL is only ever involved in the initial sign-up, which is the moment a customer authorises a SEPA Direct Debit.
Everything after that runs on SEPA Direct Debit, which isn’t affected by any of this.
Here’s what changes with Wero
As of 2026, the biggest change for Dutch merchants is how chargebacks are handled.
Under iDEAL, a completed payment is final, and there’s no mechanism for a customer to contest it.
However, according to the EPI, Wero will introduce a formal dispute process. This means that if something goes wrong with an order or service, customers can contact you directly through their banking app, and Wero facilitates the resolution.
Unlike iDEAL, Wero plans to introduce a formal dispute process. Image: Magnific
Beyond disputes, Wero will introduce new payment capabilities that iDEAL has never offered. The system is being built to support subscriptions, pay-on-delivery, and in-store payments — all through the same integration
In addition to this, Wero charges a small percentage fee per transaction. For the full pricing details, contact your PSP; Wero has published a list of partner PSPs if you need to find yours.
The good news? There’s a maximum fee per transaction, so even on a large payment, you won’t pay more than a set ceiling.
Managing payments across borders may have just got more complex, but Revolut Business keeps the rest of your finances simple. Send and receive money in 25+ currencies, pay international suppliers without hidden fees, and manage your entire business account from one app.
What do Dutch businesses need to do right now?
As the migration to Wero is already underway, there are a few steps you’ll need to take right now to avoid a rush when your PSP sends a reminder.
Here’s what to prioritise:
Update your site with the new logo: Replace all iDEAL branding with the combined iDEAL | Wero logo across your webshop, payment pages, apps, and any customer-facing emails, if you haven’t already.
Build a dispute process: As Wero has introduced purchase protection, customers can raise issues with an order through their banking app. You’ll want to set up some internal procedures before that happens (such as how you document fulfilment, who handles escalations, and how you respond).
Always double-check with your PSP or bank: Ask them directly how they’re handling the Wero rollout for your account, and when any action is required on your side. Don’t assume everything is automatic, as electronic processes can fail and emails can bounce.
Tell your customers nothing has changed for them:According to NOS, scammers will try to exploit the transition with fake messages telling customers to update their payment details. A short, clear note from you (for example, “you don’t need to do anything, and we’ll never ask you to update your banking details by email”) gets ahead of any confusion.
The EU switch from iDeal to Wero: Frequently asked questions
What is Wero, and how does it work?
Wero is a pan-European payment system built by the European Payments Initiative, a consortium of 16 major European banks and payment providers.
It transfers money directly between bank accounts using SEPA Instant Credit Transfers. While this is the same underlying mechanism as iDEAL, Wero is also designed to work across Belgium, France, Germany, and the rest of the EU.
When is iDEAL being replaced by Wero in the Netherlands?
The transition from iDEAL to Wero is already underway.
The combined iDEAL | Wero logo has been at Dutch checkouts since January 2026, with live Wero payments starting March 31, 2026. Meanwhile, the full merchant rollout begins in the fourth quarter of 2026, with iDEAL to be officially decommissioned on December 31, 2027.
Do Dutch webshops need to do anything to prepare for Wero?
Yes, you’ll need to update your iDEAL logo to the combined iDEAL | Wero branding if you haven’t already.
Once that’s done and dusted, you’ll need to confirm the migration timeline with your PSP or bank. After that, it’s a good idea to build internal procedures for handling purchase disputes, which is something Dutch merchants haven’t had to deal with under iDEAL.
Will Wero cost more than iDEAL for Dutch businesses?
Wero will charge a small percentage fee per transaction, with a maximum fee per transaction.
Does Wero work for subscription businesses?
Yes, according to Wero, the system is built to support subscription payments alongside single immediate payments and pay-on-delivery.
Got a Dutch employment contract in front of you and no idea where to start? You’re not alone — and no, it’s not just because it might be written in Dutch.
Dutch contracts are legally dense, full of references to laws and agreements you’ve never heard of, and written in a format that probably looks nothing like what you signed back home.
The good news? Once you know what you’re looking at, it all makes a lot more sense.
This guide breaks down every key section of a Dutch employment contract so you know exactly what you’re agreeing to.
📄 The basics of Dutch employment contracts
Dutch employment contracts are legally binding documents shaped by more than just what your employer decides to write in them.
Dutch labour law (arbeidsrecht) sets a baseline of rights and obligations for both sides. Your contract has to comply with these rules; your employer can’t opt out of legal protections simply by not mentioning them.
Many sectors also have a CAO — a collectieve arbeidsovereenkomst, or Collective Labour Agreement. This is a set of working conditions negotiated between employers and trade unions in a given industry.
If your sector has a CAO, it applies to your contract automatically, even if it’s not spelled out line by line. Things like minimum salary scales, extra leave days, and bonus structures are often determined by the CAO rather than your individual contract.
Most internationals have never heard of a CAO before arriving, but it can turn out to be one of the most important documents governing your employment.
If your contract references one, it’s worth looking it up.
Want to understand exactly how Dutch contracts and benefits work?Undutchables is the go-to recruitment agency for internationals in the Netherlands. They regularly host webinars covering everything from contract types to what your benefits package actually means. Learn more about contracts and benefits here.
📑 Types of Dutch employment contracts (contracten)
There are two main contract types in the Netherlands, and the one you have makes a significant difference to your job security.
Temporary contract (Tijdelijk contract)
A tijdelijk contract — or fixed-term contract — has a clear end date. It’s extremely common in the Netherlands, especially for internationals who are newer to the Dutch job market.
Temporary contracts can be renewed, but there are limits. The Dutch “chain rule” (ketenregeling) means that after three consecutive temporary contracts (or once you’ve been on temporary contracts for a total of three years), your employer must offer you a permanent contract if they want to keep you on.
There are two main types of contracts you can get in the Netherlands: temporary and permanent. Image: Magnific
The chain only resets if there’s a gap of more than six months between contracts.
Do you have an agency employment contract with a recruitment agency? Then the rules are slightly different. In this case, you move through a phase system and may receive temporary contracts for up to 4 years.
A vast contract has no end date, which means significantly more job security. It’s much harder for your employer to terminate a permanent contract — they generally need approval from the Employee Insurance Agency (UWV) or a court ruling to do so.
If you’re currently on a temporary contract, a vast contract is usually the goal. It unlocks things like improved mortgage eligibility, more stable residency in some cases, and a much stronger legal position if things go wrong.
Good to know: The ABU/NBBU are constantly improving the CAO to provide more stability and security for temporary workers. If that vast contract is out of reach, there are still possibilities to receive a werkgeversverklaring. This can help with your eligibility for a mortgage, for example.
⏳ Probation periods (Proeftijd)
Most Dutch contracts include a probation period, known as a proeftijd. This trial phase gives both you and your employer the chance to assess whether the working relationship is a good fit.
Either party can end the contract immediately during this period — without notice and without giving a reason.
The length and availability of your probation period will depend on the length of your contract. Image: Magnific
The length depends on your contract type:
For contracts of six months or less, a probation period is not permitted at all.
For temporary contracts of more than six months but less than two years, the maximum is one month.
For permanent contracts or temporary contracts of two years or longer, the maximum is two months.
Any probation period must be agreed upon in writing. If it isn’t, it doesn’t count — and an invalid probation clause is treated as if there’s no probation period at all, meaning full dismissal protections apply from day one.
📬 Notice periods (Opzegtermijn)
When either party wants to end the employment relationship, a notice period applies — but the rules differ depending on which side is walking away.
As an employee, your statutory notice period is almost always one month, regardless of how long you’ve been in the role, unless your contract specifies otherwise.
As an employer, the statutory notice period depends on your length of service:
Time with employer
Notice period
Less than five years
One month
Five to ten years
Two months
Ten to fifteen years
Three months
Fifteen years or more
Four months
It’s also worth knowing that your employer can’t simply decide to let you go. Dismissal requires UWV approval, a court ruling, or mutual agreement (wederzijds goedvinden).
The latter is often documented in a settlement agreement (vaststellingsovereenkomst), which is how many Dutch dismissals are handled in practice.
💶 Salary (Salaris)
Salary is obviously the part everyone reads first, but it’s more layered than just one number.
Make sure you understand the difference between your gross and net salary. Image: Magnific
Gross vs net
Your contract will state your gross salary (bruto salaris), which is before tax and social security contributions.
What actually lands in your bank account each month — your net salary (netto salaris) — will be lower, sometimes considerably so.
The exact gap depends on your income level and personal tax situation. You can use a bruto/netto calculator to help get an idea of what will land in your bank account, although this remains just an estimate.
Holiday allowance (Vakantiegeld)
One thing that surprises many internationals: in the Netherlands, you’re legally entitled to a holiday allowance (vakantiegeld) of at least 8% of your annual gross salary.
This is typically paid out in a lump sum in May or June, though some employers pay it monthly as part of your regular salary instead. Either way, it should be clearly stated in your contract.
Minimum holiday days
The Dutch statutory minimum is 20 days of paid leave per year for a full-time position — calculated as four times your number of working hours per week.
That means that if you work a four-day work week (that’s pretty common!), you’ll receive 16 days of paid leave per year.
Many employers offer more than this, particularly in sectors covered by a CAO.
Common extras
Beyond the basics, many Dutch employment contracts include:
Pension contribution (pensioen): employers often contribute to a pension scheme, and this is sometimes mandatory under a CAO.
Travel allowance (reiskostenvergoeding): compensation for commuting costs, paid per kilometre or as a flat rate for public transport.
Thirteenth month or year-end bonus: not universal, but worth checking your CAO or asking during negotiations.
Reading your Dutch payslip
Your monthly payslip (loonstrook) can look overwhelming at first. Key things to look for: your gross salary, tax deductions (loonheffing), social security contributions, any allowances, and your net pay.
Always double-check that these figures match those in your employment contract. Image: Depositphotos
Your employer is required to provide this every month. It’s worth checking it against your contract to make sure everything lines up.
Making sense of your salary and benefits is a lot easier with the right support.Undutchables helps internationals understand not just how to find work in the Netherlands, but exactly what they’re entitled to once they get there — from payslips to pension contributions. Get in touch with Undutchables here.
🕒 Working hours (Werktijden)
Full-time employment in the Netherlands typically means 36 to 40 hours per week, depending on the employer and sector.
Part-time work is extremely common here — and culturally very accepted. The Netherlands has one of the highest rates of part-time employment in Europe, and working fewer hours doesn’t carry the career stigma it might elsewhere.
Work-life balance is genuinely prioritised in Dutch working culture. Overtime exists, but it’s far less normalised than in many other countries, and in many sectors it must be compensated, either in pay or in time off.
🤒 Sick leave (Ziekteverlof)
If you fall ill while employed in the Netherlands, you’re entitled to continued pay for up to two years through your sick leave.
The legal minimum is 70% of your salary throughout, though many employers pay 100% during the first year, either through their own policy or because their CAO requires it.
Your employer cannot simply fire you for being sick. There’s also a formal reintegration process (re-integratietraject) that kicks in for longer absences, with obligations on both sides.
🤝 Freelancing as a ZZP’er
Not everyone working in the Netherlands does so under a traditional employment contract. Many people work as a ZZP’er— zelfstandige zonder personeel, or self-employed (aka freelancer) without staff.
As a ZZP’er, you operate very differently from an employee:
No fixed salary: you invoice for your work, and income can vary significantly.
No sick pay or holiday allowance by default: you’re responsible for arranging your own income protection and pension.
Different tax obligations: you handle your own taxes and VAT registration, and your income is assessed differently.
Freelancing offers flexibility, but the trade-off is less financial certainty and more administrative responsibility.
ZZP’ers in the Netherlands work without a traditional Dutch employment contract. Image: Magnific
One important thing to stay informed about is the Wet DBA (Deregulering Beoordeling Arbeidsrelaties) — the Dutch law governing the relationship between freelancers and their clients.
It’s designed to ensure workers don’t lose benefits by being made to work as contractors, and enforcement has been tightened in recent years. U-Connect has a useful overview of what to keep in mind in order to stay compliant.
⚠️ Pitfalls to watch out for in your Dutch contract
Misreading your salary. Seeing a number and assuming it’s your take-home pay is a very common trap. Always clarify whether a figure is gross or net, when exactly you get paid, and factor in holiday allowance when comparing offers.
Ignoring the CAO. Your contract might say very little about certain entitlements because they’re covered by the applicable CAO instead. If your contract references one, look it up; it can contain significant extras your employer doesn’t need to spell out individually.
Not reading additional documents. Your contract may also refer to a separate document, such as an employee handbook. It’s important to carefully read through this before signing your contract, as it may lay out the expectations and further benefits tied to your role.
Misunderstanding the probation period. A common assumption is that once probation ends, you’re safe. But the type of contract you’re on matters just as much: a temporary contract still ends when its term does, regardless of whether you sailed through probation.
Assuming Dutch rules match those back home. This trips up nearly everyone. Salary structures, sick pay, notice periods, and contract renewal rules all work differently here. Don’t carry over assumptions from your home country’s system.
✅ Tips for your Dutch employment contract
Read the whole thing, not just the salary section. Pay particular attention to the contract type, probation period, notice period, and any non-compete clauses (concurrentiebeding).
Look up the applicable CAO if one is mentioned. It’s a public document and often reveals entitlements your employer doesn’t need to list individually.
Ask questions before you sign. Your employer should expect this — and if they’re not willing to clarify, that itself tells you something.
Get it reviewed if needed. If you’re unsure about specific clauses, particularly non-compete terms or unusual termination conditions, independent advice is worth it.
Keep a signed copy for yourself. Obvious, but often overlooked.
Dutch employment law is genuinely designed to protect workers. Knowing what your contract says puts you in the best position to benefit from those protections from day one.
Have you had any surprises reading your Dutch employment contract? Share your experience in the comments below!
While your Dutch SIM card will work almost anywhere in the world, data roaming costs can be eye-wateringly steep.
Here’s what your Dutch SIM actually costs beyond Europe’s borders, and how to make sure you’re not caught off guard by unexpected charges.
Do Dutch SIM cards actually work outside the EU?
Yes, in most cases, your Dutch SIM will connect to the local network in most countries without any extra setup. If your provider has a roaming agreement with a carrier at your destination, your phone will find a signal automatically.
That covers the vast majority of popular travel destinations, including the US, UK, Australia, and beyond.
The moment you land, your phone will pick up a signal through your provider’s international roaming partners, and you’ll be able to make calls, send messages, and use data just as you would at home.
The catch, of course, is what that costs.
The EU’s Roam Like at Home policy means that when you travel to any of the 27 EU member states, you can use your mobile phone without paying any extra roaming charges.
Outside the EU, that protection disappears entirely. Without a bundle, mobile data abroad can cost as much as €5 per MB, with some providers charging even more.
If you need data to use Google Maps, most providers offer data roaming. However, it’ll cost you! Image: Magnific
Which countries are not included in EU roaming?
While the European Union’s “Roam Like at Home” policy has made travelling within the continent a breeze, the boundaries of where your Dutch bundle actually works are more restricted than many realise.
Essentially, any country that is not an official member of the EU or the European Economic Area falls into a high-cost category.
To manage these costs, Dutch providers typically categorise the world into four distinct tiers known as roaming zones:
Zone 1: This applies to the EU, along with Iceland, Liechtenstein, and Norway. As of 2026, many providers also include Ukraine and Moldova. You can use your Dutch mobile bundle here at no extra cost.
Zone 2: This tier includes major travel hubs (like the United States and Canada) and countries bordering the EU (like Turkey). Without a bundle, costs here take a sharp jump; for instance, many providers charge around €1.25 to €1.50 per minute for calls and roughly €2.50 per MB for data.
Zone 3: This represents the rest of the world, and covers the vast majority of Asia, Africa, and South America. Outgoing calls can soar to €2.50 per minute or more, and data prices may even hit €5.00 per MB.
Zone 4: This zone applies whenever you connect to a satellite network on a cruise ship, ferry, or aeroplane. These connections are the most expensive, with data rates reaching €10.00 to €15.00 per MB and calls costing upwards of €7.00 per minute.
Travelling outside the EU? Simyo offers bundles for some of the most popular destinations outside Europe, including Canada, the US, Turkey, and the Caribbean Kingdom.
For existing customers, activating a bundle is simple: you just send an SMS with the country name and bundle size to 1330.
How much do Dutch providers charge for data roaming?
To absolutely no one’s surprise, data roaming can be quite pricey.
Most major Dutch providers charge somewhere between €2.50 and €7.50 per MB of data outside the EU — and that upper end applies far more often than you’d hope.
For example, KPN’s standard out-of-bundle rate is €2.50 per MB in most non-EU countries, rising to €7.50 per MB in certain destinations across Africa, South Asia, and parts of the Americas.
Your out-of-bundle rates will generally range from €2.50 and €7.50 per MB out of the EU. Image: Magnific
Vodafone follows the same structure, with €2.50 per MB for most “World” destinations, and €7.50 per MB in their higher-cost “Exceptions” zone.
Meanwhile, Simyo’s standard non-EU rate sits right in the middle of that range, at €5 per MB.
To put these costs into perspective, let’s assume you’re using data roaming to load Google Maps. A quick 5 MB navigation session might seem harmless, but at the €7.50-per-MB tier, you’re looking at a €37.50 bill.
Roaming costs explained: what you actually pay outside the EU
To understand why your bill can skyrocket so quickly, you have to look at the breakdown of how data, SMS charges, and call minutes are consumed.
When you step outside Zone 1, you are typically billed on a pay-per-use basis unless you have specifically activated a bundle.
Mobile data costs
These tend to make up the bulk of your roaming charges, and the danger isn’t just the data you’re actively consuming.
Background usage, such as automatic updates and location services, can lead to unexpected charges. Your phone doesn’t know (or care) that each megabyte is costing you money.
Mobile data costs make up a huge chunk of overall roaming fees. Image: Depositphotos
Calls and SMS charges
Of course, data isn’t the only way to rack up a hefty mobile bill.
When you’re outside the EU, you’ll also be charged for:
Outgoing calls: For Zone 2 countries, you can expect to pay between €1.25 and €1.50 per minute. If you are in Zone 3, these costs often spike to €2.50 per minute. In extreme cases, such as calling from a cruise ship or aeroplane, rates can even reach €4.50 to €7.00 per minute.
Incoming calls: Unlike in the EU, you pay to receive a call. If a telemarketer calls you while you’re in Thailand, and you make the mistake of picking up, you’re the one paying the international roaming fee for the privilege of talking to them.
Voicemails: This is possibly the sneakiest charge of all, as you may not even be aware that you’re being charged. If someone calls you and it goes to voicemail, you are often charged for the “international leg” of the call twice; once for the call travelling to your phone abroad, and once for it being sent back to the Dutch voicemail server.
Simyo’s buitenlandbundels are designed with exactly this kind of stress in mind. Once your data runs out, your internet is automatically blocked, so you’ll never accidentally rack up charges beyond what you’ve paid for.
Roaming bundles vs travel eSIMs: which is best for you?
Both options are significantly better than paying steep out-of-bundle costs, but they suit quite different situations.
Roaming bundles tend to be a solid option for people who want to keep their Dutch number active. This is crucial for receiving SMS verification codes (2FA), messages from your bank and tax office, or staying reachable for emergencies.
Travel eSIMs tend to be the more economical choice, but they may not provide you with a local mobile number. Image: Magnific
However, roaming bundles may not be available for all destinations, and can be much pricier than travel eSIMs.
If you’re a tourist or heavy data user, travel eSIMs are generally the better choice. Depending on the provider, you have a choice between country-specific or regional plans, and data limits tend to be on the high end.
Helaas, most travel eSIMs come with “data-only” profiles, so you won’t have access to a local number or be able to make traditional calls.
Here’s how to avoid a massive phone bill abroad
While the thought of a hefty roaming bill is scary, it’s not a given, and there are ways to avoid unnecessary charges.
1. Turn off data roaming when it’s not in use
This might sound like an obvious choice, but you’d be surprised at how easy it is to overlook while you’re travelling.
The simplest solution is to go into your mobile settings before you leave the Netherlands and switch your data roaming off. You can always briefly turn it back on if and when you need it.
2. Opt for a data cap
Most Dutch providers let you set a personal data cap or spending limit through their app, and it’s worth doing this before you travel. These typically cost around €0.50 to €1.
If you haven’t got the time to constantly check your data usage, then a data cap is a wise choice. Image: Magnific
Without one, out-of-bundle charges beyond the EU rack up quickly, and there’s no mandated cut-off at €50 the way there is within Europe.
3. Rely on public Wi-Fi when available
Wi-Fi hotspots are your best friend outside the EU, with most hotels, cafés, airports, and public transport networks offering free access.
If you’re travelling between hotspots, download offline maps before you travel, cache your playlists, and save anything you might need to access without a connection.
4. Consider a travel eSIM
If you want mobile data without the hefty price tag that a roaming bundle usually comes with, then opt for a travel eSIM.
With a dual SIM phone, you can keep your own SIM active for calls and verification codes while the eSIM handles everything else. Setup takes a few minutes at home before you fly, and prices are a fraction of out-of-bundle roaming rates.
Has your Dutch SIM ever given you a nasty surprise outside the EU? Share your experience, and any tips you’ve picked up, in the comments below.
Starting a business in the Netherlands often comes with a classic chicken-and-egg conundrum; you need a bank account to operate, but the bank wants your KVK number first.
As a team of internationals, we’ve all been there. Here’s what you need to know about KVK requirements for business bank accounts.
Your KVK registration comes first
In general, you’ll need to have a KVK number to open a business bank account, so the standard advice is to register your business before applying.
This is largely because Dutch banks operate under strict anti-money laundering legislation, and a KVK registration is the main way a bank can verify that your business legally exists.
Without one, banks in the Netherlands won’t be able to perform the KYC (Know Your Customer) and AML (Anti-Money Laundering) checks they’re legally required to complete before opening an account.
This requirement applies whether you’re setting up as a ZZP’er (freelancer) or incorporating a BV (a private limited company).
Banks need to know that your business exists and that you’re in the Netherlands legally. Image: Magnific
In addition to this, banks may also ask for certain documents. It pays to have those details ready even before you set up your account.
Already registered with the KVK? Revolut Business lets you open a multi-currency business account online, with no branch visits and no lengthy paperwork.
With access to powerful expense tracking and budget management tools, plus integrations for accounting tools like Xero and QuickBooks, it’s like a mini accountant in an app. Until June 30, 2026, you can also earn a €80 welcome bonus and get a local Dutch IBAN to make running your business even smoother. 💸 (Terms & conditions apply.)
a valid form of ID (either a passport or national ID),
proof of address in the Netherlands,
proof of registration with the KVK,
a description or plan of your business activities,
your UBO (Ultimate Beneficial Owner) registration details, if applicable,
and a copy of the partnership contract and proof of identification for all partners, if you’ve formed a general partnership (VOF)
Have your paperwork in front of you, so the setup is as seamless and stress-free as possible. Image: Magnific
Are you setting up a business bank account for a private limited company (BV) or public limited company (NV)? Dutch banks may require even more information from you.
Typically, required documents for BVs and NVs also include:
articles of association,
a copy of the register of shareholders,
and a detailed list of the countries where you do business, if you plan to use your account for foreign transactions.
Do you actually need a Dutch business bank account?
This depends on your legal structure and your current IBAN.
If you’re setting up an eenmanszaak (sole proprietorship) or VOF (general partnership) and already have a private bank account, you’re not legally required to open a separate business account.
Meanwhile, if you’re setting up a BV or NV, you’re legally obligated to open a business bank account for your company’s transactions.
Location also plays a huge role: if you already have a business bank account in the SEPA zone, you do not need to open a new one in the Netherlands. This is because the Dutch Tax Administration accepts any SEPA-zone IBAN.
Unfortunately, if you’re based entirely outside the SEPA zone, you’ll likely need to apply for a business account with a bank in the Netherlands.
Have you opened a business bank account in the Netherlands? Share your thoughts in the comments below.
ING’s international payments feature lets you transfer money abroad in more than 30 currencies — directly from your Dutch banking app, with transparent fees and no nasty surprises.
If you’ve ever tried to transfer money to or from the Netherlands, you’ve probably come across unclear fees, a mark-up on the exchange rate that only shows up mid-transfer, and at least one request for a code you’ve never heard of.
We went looking for a transparent, stress-free option, and found it sitting right inside our ING banking app.
What counts as an international payment?
Before diving in, it’s worth understanding the difference between the two main types of international transfers, as they work quite differently.
Transfers within Europe
If you’re sending money to someone within the Single Euro Payments Area (or SEPA), the process is generally quite straightforward.
Transfers with the SEPA zone tend to be the most inexpensive and straightforward. Image: Magnific
SEPA covers all 27 EU member states, plus Iceland, Liechtenstein, Norway, and Switzerland. You can think of it as a standardised payment network that makes transferring euros across European borders feel much like a domestic transfer.
All you’ll need is your recipient’s IBAN, which is a string of alphanumeric code that identifies their account.
Transfers outside Europe
If you’re transferring funds outside of the Eurozone, we’ve found that things get slightly more complex.
You’ll need your recipient’s SWIFT/BIC code, which is an 8–to 11-digit identifier that tells the network exactly which bank and branch you’re sending cash to.
Some banks may also require additional details, such as a routing number for US transfers or your recipient’s address. We find it quite handy that the ING app flags these requirements when you select your destination country, so you aren’t caught off guard mid-transfer.
Dutch banking apps tend to offer far greater reliability, which is a major pro when handling your precious money. Image: Magnific
Why we opted to use a Dutch bank for international money transfers
In our experience, using a Dutch banking app typically means fewer moving parts, as you needn’t trust a third party with your personal bank details.
In addition to this, traditional Dutch banks like ING have considerably improved their English-language support over the years.
Not only is the ING app (and many pages of their website) available in English, but the bank also has a widespread branch network with brick-and-mortar offices you can actually visit.
Plus, with European Central Bank oversight and a regulatory track record going back decades, transferring funds with ING just feels a lot more reliable.
How ING’s international transfers work: a step-by-step guide
Whether you’re sending money back home, paying for a foreign holiday, or transferring funds for your university tuition, ING handles it all from the same app you already use for your daily banking.
Best of all? You needn’t download any extra apps. Image: Magnific
Here’s how a typical transfer works:
1. Open the ING app, tap “Transfer”, then hit the globe icon in the top right corner. If you’re using the My ING online banking portal instead, select “New Transfer”.
2. Fill in the necessary details, such as the destination country, the name and account number of your recipient, the amount, and your preferred currency. You can also include a transaction description.
3. Review the rate and costs before you confirm the transaction. ING shows you the exchange rate, the fees, and the total amount to be debited.
4. Confirm your payment once you’re satisfied.
In most cases, your money will arrive the same day, although processing times may vary by currency and destination. Do refer to the ING website if you’re unsure of your exact transfer timeline.
What to expect with fees, costs, and currencies
If you’re anything like us, you probably hate surprises, especially where money’s concerned. Luckily, we’ve found that ING is quite transparent about listing their transfer fees and costs, so you can go in with your eyes open.
For those sending euros within the SEPA zone, good news: you won’t be charged fees or a currency exchange markup.
If you’re transferring funds within the EU, you’ll avoid currency exchange markups and many additional fees. Image: Magnific
For international payments, ING charges a small fee per transaction — but how that’s applied depends on who’s picking up the bill. When you initiate a transfer, you’ll be asked to choose one of three cost arrangements:
SHA (shared) cost: you pay a small fee per transaction, and the recipient’s bank covers their own charges
OUR cost: you pay a small fee per transaction, plus any charges levied by the recipient’s bank
BEN (beneficiary) cost: the recipient covers all charges; you pay nothing upfront except for the money you’re sending
If your transfer involves a currency conversion, there’s one more figure to factor in.
ING generally applies a 0.85% mark-up to the base exchange rate for the 19 most commonly used non-euro currencies. These include AED, AUD, AWG, BHD, CAD, CHF, CZK, DKK, GBP, HKD, HUF, ILS, JPY, NOK, NZD, PLN, SAR, SEK, SGD, USD, and XCG.
Is ING’s International Payments option right for you? Our thoughts
Naturally, ING’s international transfers won’t be a perfect fit for everyone.
If you send frequent, high-volume transfers, those €6 transaction fees and 0.85% markup can really add up. In those cases, it’s worth comparing ING’s International Payments against specialised money transfer platforms to see if you’re getting a better deal.
However, in our opinion, ING is a great option if you value transparency and simplicity. The exchange rate is shown upfront, fees are fixed and published, and you won’t find hidden charges lurking in your confirmation email.
ING really shines when it comes to simple, straightforward payments. Image: Magnific
For those living and working in the Netherlands, we think this bank offers a straightforward, transparent process, built into a banking app you’re probably already using.
Customer support is accessible, and you’ve got no third-party apps and no waiting for funds to settle in your account before they can be transferred.
Thinking of trying out ING’s International Payments? Learn more.
Have you transferred funds with ING’s International Payments feature? Share your experience in the comments below.
Disclaimer:
This article is provided in English for convenience. If any differences arise, the Dutch version of ING’s terms and conditions is leading and binding.
ING Bank N.V., registered office at Bijlmerdreef 106, 1102 CT Amsterdam, the Netherlands.
ING Bank N.V. is supervised by De Nederlandsche Bank (DNB) and the Autoriteit Financiële Markten (AFM).
ING Bank N.V. is registered in the Dutch Commercial Register under no. 33031431 and is a member of Kifid (www.kifid.nl).
Dutch eSIMs have vastly simplified the process of getting connected — and if you haven’t considered making the switch yet, this guide covers everything you need to know.
Getting a Dutch SIM card used to mean waiting three business days for a tiny piece of plastic to arrive in the post, then attempting to decipher activation instructions written entirely in Dutch. eSIMs have quietly made that process feel unnecessary.
But are they actually better than physical SIM cards? And are they right for you? Let’s get into it.
What is an eSIM (and how is it different from a regular SIM card)?
A traditional SIM card is a small, plastic chip that you physically insert into your device.
Instead of inserting a SIM card, you simply download your eSIM and activate it in your mobile’s settings.
There’s no need to take your phone apart, making it easier to switch between mobile carriers, update your mobile plan, or switch between phone numbers on the same device.
As the underlying technology is identical, you can still call, text, and surf the web as you normally would.
In essence, an eSIM functions the same way as your physical SIM card. Image: Magnific
However, they do have one big catch: eSIMs aren’t compatible with all devices.
If your device is an older model, it may lack the ability to use an eSIM. Similarly, if you bought your current mobile through a Dutch phone subscription, your device may be carrier-locked. This means that you’ll be unable to switch providers until your SIM lock is disabled.
Always check your device compatibility before purchasing an eSIM plan.
With all Simyo’s plans available in eSIM format, you can get access to an award-winning service without waiting for a physical card in the post. Whether you’re after a flexible prepaid plan or a longer-term SIM-only deal, you can get set up entirely online.
How to purchase and activate an eSIM in the Netherlands
While the process can vary by provider, it’s generally consistent across Dutch carriers and international eSIM platforms.
Your first step is purchasing an eSIM, either through a provider’s website or app. Instead of waiting for a physical card to arrive in the post, you’ll typically receive a QR code by email.
Once you have your QR code, your activation process might differ slightly, depending on your device’s OS:
iPhone: Go to Settings > Cellular > Add eSIM.
Android: Go to Settings > Network & Internet > SIMs > Add More.
Simply scan the code, and your phone will “handshake” with the network. Within a minute, you’ll see the signal bars appear at the top of your screen.
Good to know: If you can’t download your eSIM via the QR code, you can also request a manual activation code (also known as an “SM-DP+ address”).
To insert this, just head to your device’s SIM settings (typically under “Cellular” on iOS, and “Network & Internet” or “Connections” on Android). There should be an option to add eSIM details manually — just paste your activation code in the field there.
You can take your Dutch number on a trip across the globe with you. Image: Magnific
Can you keep your existing Dutch number?
If you’re worried about losing that Dutch number you’ve spent ages memorising, you needn’t be.
Provided you’re switching to another provider in the Netherlands, number porting works exactly the same for eSIMs as it does for physical cards.
When you order your eSIM, you simply indicate that you want to keep your current number. Your new provider will coordinate with your old one, and on the switch-over day, your eSIM will automatically take over the old number.
The pros of opting for an eSIM in the Netherlands
Are you still on the fence about eSIMs in general? Here are some benefits that might just sway you.
You can get connected in a matter of minutes
If you’re a tourist or a new international, an eSIM offers you a quick and simple connection — often as soon as your plane touches down at Schiphol.
There’s no hunting for a SIM kiosk at the airport, and no potential for losing your original SIM card while swapping it out; you’re just connected.
There’s nothing to lose, damage, or accidentally snap
This is a biggie, given that physical SIM cards get lost, broken, and — ask any long-term expat — quietly deactivated by providers when they haven’t been used in a while.
With no physical parts, you won’t need to remove your existing SIM card to use an eSIM. Image: Magnific
With a Dutch eSIM plan, you can keep your original SIM in your device, as there’s no reason to swap out SIM cards.
You can keep your original number active
For internationals juggling their home mobile number and a Dutch one, an eSIM can be a genuine game-changer.
Both lines run simultaneously — meaning your family can still reach you on your old number while your Dutch landlord, GP, and DigiD account all have access to your local one.
Everything is managed digitally
If you need to purchase an eSIM, top up your mobile data, or switch plans, you can handle things via your provider’s app.
You needn’t visit a brick-and-mortar mobile store or provide your BSN to get connected, making the entire process far less exhausting for new internationals.
New to the Netherlands? Getting connected shouldn’t be a bureaucratic hurdle, which is why we love how simple Simyo’s registration process is.
Their website walks you through each step in English, assesses your device compatibility, and sends your eSIM whizzing straight over to you.
The downsides of opting for an eSIM in the Netherlands
Of course, no piece of technology is perfect, and this maxim extends to eSIMs, too. Here are a few drawbacks worth considering if you’re planning to purchase an eSIM plan.
Not every mobile supports eSIMs
If your device is an older model, it’s likely to be incompatible with most eSIMs on the Dutch market. And, sadly, there’s no workaround.
If your mobile is an older model, it likely won’t be compatible with an eSIM. Image: Magnific
Even some newer budget models from less mainstream brands skip eSIM support entirely, so always remember to check your device’s eSIM compatibility before purchasing a plan.
Not all eSIM plans include a Dutch phone number
Some eSIM providers (especially international travel-focused platforms) offer data-only eSIM plans with no local number attached.
While that’s perfectly fine for tourists, it’s a real headache for anyone settling down in the Netherlands long-term.
Many services, including GP offices and DigiD, will require a Dutch mobile number for registration or SMS verification.
You’ll need Wi-Fi to activate your plan
Setting up an eSIM requires an active internet connection at the point of installation.
If you’ve just landed and want to activate your eSIM, you’ll need to find public Wi-Fi first. While this might seem like less of a hassle at the airport, not all public Wi-Fi is secure or stable.
eSIM vs physical SIM in the Netherlands: which is better for you?
The honest answer is that it depends almost entirely on your situation.
If you’ve just landed in the Netherlands, are managing two mobile numbers, or simply want the least stressful setup experience possible, an eSIM is probably the better choice.
The ability to get connected before you’ve got a BSN and bypass the hassle of hunting down a mobile store makes a real difference when you’ve already got a mountain of Dutch admin ahead of you.
eSIMs are also especially handy for tourists and other short-term visitors.
With an eSIM, you needn’t rely on dodgy airport WiFi. Image: Magnific
Since you can activate your eSIM online, you don’t have to waste time looking for a SIM kiosk at Schiphol Airport — which, frankly, isn’t how anyone wants to spend their first hour in Amsterdam.
However, there are also a handful of scenarios where opting for a physical SIM makes sense.
They work on virtually any mobile device, including older models that predate eSIM support entirely. If your phone is from before 2018 or 2019, a physical SIM is likely your only option.
Physical SIMs are also easier to move between devices if you regularly swap phones, and some budget Dutch providers still don’t offer eSIM alternatives.
For most internationals with a relatively recent smartphone, though, the eSIM wins on sheer convenience.
It’s faster to set up, easier to manage, and one less physical thing to lose in the chaos of moving to a new country — and, if you’ve ever experienced moving to the Netherlands, you’ll know that’s already chaotic enough.
Have you made the switch to an eSIM in the Netherlands, or are you holding onto your physical SIM? Tell us in the comments!
