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The inburgeringsexamen: 8 questions answered

Sarah O'Leary 🇮🇪

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July 27, 2000

The inburgeringsexamen: 8 questions answered

Whether you’re legally obliged to take it or you’re doing it voluntarily on your path to a Dutch passport, the inburgeringsexamen can feel like a bureaucratic maze with no map.

So let’s fix that. Here are the eight questions you’re most likely asking, answered as plainly as we can manage.

1. First things first: what is the inburgeringsexamen?

The inburgeringsexamen (civic integration exam) isn’t one exam. It’s a set of them, testing your Dutch language skills and your knowledge of how Dutch society actually works.

Pass the lot, and you’ll get an inburgeringsdiploma, an integration certificate. That’s often a hard requirement for permanent residency or Dutch citizenship.

In other words: it’s the gatekeeper.

Studying for the inburgering exam doesn’t have to mean expensive evening classes. InburgeringOnline.nl offers flexible, self-paced courses you can follow from your sofa, with practice exams built in.

Give it a try now

2. Do you even have to take it?

If you’re a non-EU national on a relationship visa, or you have refugee status, you’re almost certainly inburgeringsplichtig, meaning obliged to integrate. A letter from DUO will tell you if this is the case.

However, if you’re an EU, EEA, or Swiss citizen, you’re exempt. (As are people with certain qualifying Dutch, Belgian, or Surinamese diplomas.)

photo-of-woman-talking-to-man-in-Dutch-in-the-Netherlands-before-taking-inburgeringsexamen — Some people must take the inburgeringsexamen. Image: Magnific

But plenty of exempt people take it anyway. Citizenship and stronger residence permits both generally require proof of Dutch language ability, and inburgering is the most common way to prove it.

Unsure whether you’re exempt? The full list is on the DUO website.

3. How much does it cost?

Here are the figures, straight from DUO:

The five core exams — reading, writing, listening, speaking, and KNM (Kennis van de Nederlandse Maatschappij, or Knowledge of Dutch Society) — cost €50 each, so €250 total.
ONA (Oriëntatie op de Nederlandse Arbeidsmarkt, or Orientation on the Dutch Labour Market), which only some people sit, adds €40.
The MAP module is free.
However, retakes cost the fee again every time.

The PVT (participation statement) is fiddlier. It’s free for asylum status holders, but everyone else pays €150.

Asylum status holders also get their course covered by the municipality, with the first two attempts at each exam free. That only applies if you sit the exam at the level set out in your PIP (personal integration and participation plan), not a lower one.

Everyone else either self-funds or borrows from DUO.

4. What are the deadlines?

If you’re obliged to integrate, you get three years. This is the inburgeringstermijn, or integration period, and the clock starts from the date in your DUO letter. Under the 2021 law, that’s after your PIP is agreed with your municipality.

Miss it without good reason, and you risk a hefty fine. Under the 2013 law, DUO can charge up to €1,250. Under the 2021 law, fines from DUO and the municipality together can reach €4,080, according to the Juridisch Loket.

photo-of-man-looking-at-book-while-studying-for-inburgeringsexamen-netherlands — There are several deadlines to keep in mind. Image: Magnific

That’s not purely about the exam. The municipality can also fine you for skipping the brede intake (the initial assessment interview) or ignoring the MAP.

One bit of relief: if you’re receiving bijstand (social assistance), you sometimes won’t be fined at all.

Extensions exist for illness, a new baby, or a lack of childcare. But you can only apply from 2.5 years in, so there’s no point panicking early.

What if I’m a voluntary candidate?

There’s no ticking clock. Your timeline is about eligibility instead.

For naturalisation, the standard requirement is five continuous years in the Kingdom of the Netherlands. The exceptions are narrower than people assume.

The IND allows a three-year route if you’ve lived here three continuous years with valid residence and lived together with the same Dutch partner, who must hold Dutch nationality when you apply.

The two-year route isn’t the shortcut it sounds like. It only helps if you lived here previously and your total adds up to ten years or more.

For permanent residency, the application process is similar; however, you must go through the IND and passport gemeente.

5. What’s actually on the exam?

Everyone sits four language exams — reading (lezen), listening (luisteren), writing (schrijven), and speaking (spreken) — plus KNM, covering healthcare, housing, work, education, and Dutch norms and values. The language level sits at A2 or above.

Beyond that, it depends on which law you fall under and when you became obliged, according to DUO.

Under the 2021 law, everyone also completes the MAP module (Module Arbeidsmarkt en Participatie) and the PVT, the participation statement track.
Under the 2013 law, it splits by date. Obliged from October 2017? You add the ONA exam and the PVT. Between 2015 and 2017? ONA, but no PVT. Before 2015? Neither.

The PVT works the same way under both laws: you attend workshops, then sign a statement saying you respect Dutch values. Yes, there really is a signing ceremony.

6. What language level do you need: A2 or B1?

It depends on your track, and this trips people up most.

Under the Wet Inburgering 2021, the target is B1. With this level, you can hold a proper conversation, follow the news, and explain your opinion.

photo-of-women-talking-with-each-other-in-Dutch-in-the-Netherlands-with-bikes — Whether you need A2 or B1 depends on which track you’re on. Image: Magnific

If B1 isn’t realistic, there’s the Z-route (zelfredzaamheidsroute, or self-reliance route), which aims at A1 and focuses on functioning in daily life rather than passing exams. You can sit the A2 exams voluntarily, but the route itself doesn’t take you there.

Under the older 2013 law, A2 was the requirement.

All of that concerns people obliged to integrate, refugees in particular.

Taking it voluntarily? Then A2 is still enough. The IND currently requires the exam at a minimum of A2 for naturalisation.

It’s worth knowing if you’re on the Z-route and later want a passport, the route’s certificate doesn’t prove A2, so you’d need to pass the A2 naturalisation exams separately.

Note: The government has been considering raising the naturalisation language requirement to B1, and is separately working on a bill to extend the residence requirement to ten years. However, neither of these matters has been settled and taken effect.

7. How should you prepare?

Realistically: a formal course, self-study, or a bit of both.

Courses give you structure, a teacher, and those all-important registered hours, which matter enormously if you ever need the waiver route. Self-study is cheaper and fits around a job (just make sure you’re disciplined).

Either way, do the official practice exams. They’re free through DUO, and they’re a great way to see what you’re facing.

And then there’s the unglamorous advice nobody wants: use Dutch in daily life. Order your coffee in Dutch. Read the free newspaper. Let the cashier’s small talk defeat you a few times.

It’s slow, mildly humbling, and it works better than any textbook.

Not keen on also shelling out hundreds of euros and going into debt for a Dutch school? At InburgeringOnline.nl, you can learn Dutch up to a B1 level for less than €9 a month. Plus, the lessons are entirely online and self-paced. Want to study every day? Once a week? The choice is yours! See the options.

8. What happens if you fail?

The big one. Let’s take the panic down a notch.

You can retake

Resit any failed section as many times as you need, and passed sections stay valid. The catch is that every attempt costs the fee again.

photo-of-woman-looking-at-letter-while-studying-for-inburgeringsexamen-in-the-Netherlands — Failing isn’t the end of the world. Image: Magnific

You can scale down

Within the B1 route, you can drop to A2, but only after 600 hours of language lessons at a school with a Blik op Werk quality mark. The municipality decides, and the decision goes into your PIP.

The demonstrable-effort waiver

This only exists under the Wet inburgering 2013. Started on or after January 1, 2022? Skip ahead.

Still here? Then there’s the ontheffing wegens aantoonbaar geleverde inspanningen, or AGI. It’s a waiver, not an exemption: you were obliged, and the obligation gets lifted because you’ve proven you tried.

According to DUO, you’ll need at least 600 course hours at a school listed on zoekinburgerschool.nl when you enrolled. Only classroom time counts.

You’ll also need three attempts at every exam, with no more than two NT2 exams counting per component, and you can’t apply until 2.5 years in. Short on attempts? Apply anyway, but expect a €150 test.

How it works under the 2021 law

Under the newer law, that waiver doesn’t exist. There’s no effort-based route out at all.

Instead, people who can’t reach B1 go on the Z-route, which swaps exams for an effort requirement: 800 hours of language lessons, plus another 800 hours of participation for asylum status holders.

The sting is in the tail. Finishing the Z-route doesn’t prove you’ve reached A2. If you later want to naturalise, you’ll either sit the A2 exams anyway or request a separate advies (advice) from DUO.

Make sure to raise this with your municipality early.

Have you sat the inburgeringsexamen, or are you dreading it? Tell us how it went in the comments below!

How to build passive income while living in the Netherlands: the easy guide

Liana Risseeuw 🇱🇰

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July 17, 2000

0

How to build passive income while living in the Netherlands: the easy guide

Building passive income in the Netherlands is more accessible than most people think, and this guide covers the practical side, from savings accounts, investing, and pensions to property and the tax rules that apply to it all.

If you’ve been Googling “passive income Netherlands” and wondering whether any of the options are actually worth the effort, the short answer is: yes, and you don’t need much to get started.

What does “passive income” actually mean in the Netherlands?

Passive income is money that flows into your account without you actively working for it every day. In other words, it’s a great way of earning more money without grinding away at a side hustle or a second job.

In the Netherlands, passive income can involve one or more of the following:

Savings interest: This is money your bank pays you for holding your cash.
Investment returns: This covers growth in ETFs, index funds, stocks, or bonds.
Dividends: These are regular payouts from companies whose shares you hold.
Rental income: This can be returns from property you own but don’t live in.
Pension growth: This involves long-term, tax-advantaged investments through a pension provider.

international-in-the-netherlands-investing-through-their-dutch-banking-app-at-the-office-to-build-passive-income — Investments and savings are two major roads to building passive income. Image: Magnific

And the good news is that you needn’t be an investment guru to get set up. Between regulated investment platforms, savings and fixed-term savings options, and a solid pension culture, the Netherlands offers you a plethora of tools to work with.

Good to know: Passive income in the Netherlands includes interest on savings, investment returns, dividends, and rental income. The Dutch tax system (specifically Box 3) taxes wealth above €59,357 per person (or €118,714 for fiscal partners), but most people fall well below that threshold.

Savings accounts and interest rates in the Netherlands

There are two main types of savings accounts available in the Netherlands: flexible savings accounts and fixed-term deposits.

Variable savings accounts (spaarrekeningen or flexibel sparen) give you the most flexibility, as you can generally withdraw your money at any time. However, rates can change, so your interest is never guaranteed for the long term.

Fixed-term deposits (deposito’s or termijndeposito’s), on the other hand, lock your money in for a set period in exchange for a higher, guaranteed rate.

If you don’t need immediate access to a chunk of your savings, opening a fixed-term deposit account is worth considering.

And it’s safe, too! All banks registered in the EU have deposits covered by €100,000 under the EU Deposit Guarantee Scheme (including foreign banks operating in the Netherlands), so your funds are protected, regardless of which provider you choose.

Where can I find the best rates?

According to De Nederlandsche Bank, Dutch households held roughly €600 billion in savings at the end of 2024 alone. However, much of that wealth was sitting in low-interest bank accounts and earning very little.

Why? Well, big Dutch banks are convenient, but their rates are rarely the most competitive. As of 2026, typical interest rates hover around 1.50% to 1.70% on flexible savings accounts.

woman-growing-her-passive-income-with-a-high-yield-savings-account-in-the-netherlands-from-a-dutch-neobank — Neobanks and investment platforms tend to offer much higher interest rates than traditional Dutch banks. Image: Magnific

Instead, experts advise that you explore saving options in:

Neobanks, which typically provide you with much higher interest rates than traditional Dutch banks.
Investment platforms, which may offer attractive savings deals on uninvested cash.

For people who prioritise cash flow, Yieldfund’s fixed-interest bond plans distribute yields every Monday and create a consistent payment schedule. Depending on the selected term, the plans offer interest rates ranging from 2% to 4% per month. As with all corporate bond investments, capital is subject to risk.

The best ways to invest for passive income in the Netherlands

While accumulating interest on your savings is a start, investing is what can actually build you passive income over time.

ETFs and index funds

Exchange-traded funds (ETFs) are one of the most accessible entry points for passive investors in the Netherlands. They spread your money across hundreds or thousands of companies at once, reducing risk and saving you the hassle of selecting individual stocks yourself.

The monetary barrier to entry is also quite low, as you can start with a recurring monthly contribution as low as €50.

In addition to this, the Dutch Authority for the Financial Markets (Autoriteit Financiële Markten, or AFM) regulates providers that operate in the Netherlands, so the potential for a scam is also low.

Stocks

While individual stocks tend to carry more risk than ETFs, they can also generate dividends for you.

These are direct payouts from companies to shareholders (you) and are typically paid quarterly or annually.

Got your eye on a certain company? Holding dividend-paying stocks alongside ETFs is a great way to build a mixed passive income stream, without putting all your eggs in one basket.

Bonds

Bonds are essentially loans you make to a government or company in exchange for regular interest payments.

If you’re risk-averse or you want to avoid as much volatility as possible, bonds are lower risk than stocks and are a handy addition to any balanced portfolio.

Most AFM-regulated investment platforms will give you direct access to bond markets, and you can also filter your options depending on your preferred region.

Other ways to build passive income in the Netherlands

Saving and investing might be popular choices in the Netherlands, but they aren’t the only ways to build a passive income.

Other solid options include:

Property investing

Rental income is one of the most traditional forms of passive income, but you’ll need to be realistic about the state of the Dutch housing market.

Property prices are high, especially in big cities like Amsterdam, Utrecht, and Rotterdam. In addition to this, Dutch rental regulations have tightened in recent years, and you’ll have to familiarise yourself with concepts like the rent points system and rent ceilings.

Plus, if you own a second home that you’re planning to rent out, it may fall under the Netherlands’ Box 3 tax.

Digital income and side projects

Royalties, digital products, and affiliate revenue all count as passive income once they’re up and running without significant daily input from you.

podcasters-chatting-to-each-other-as-they-record-their-show-which-builds-them-passive-income-in-the-netherlands — Whether you’re a podcaster or YouTuber, side hustles count! Image: Magnific

However, if you’re running a freelance project on the side, it’s worth noting that different tax rules may apply.

Alternative investments

Should you want to go beyond savings, stocks, and property investments, crypto and peer-to-peer lending are both worth knowing about.

However, the Belastingdienst (Dutch tax authority) counts crypto as a Box 3 asset, so if you’re holding coins on an investment platform, that still needs to go on your Dutch tax return.

Pension investing

The Dutch pension system runs on three pillars: the state AOW pension, your employer’s scheme, and private top-ups.

You can think of the AOW as your foundation; it’s solid, but rarely enough on its own. You only build up 2% of a full entitlement for each year you live or work here, so if you arrived mid-career, you’re already behind.

If you’re employed by a Dutch company, check whether you’re enrolled in a workplace pension scheme. Both you and your employer contribute a slice of your salary, and you’d be surprised how many people simply never look into it.

Still have gaps? A private pension plan lets you pick a provider, set a monthly contribution, and let the market do the heavy lifting until you retire.

Building passive income takes time and depends on contributions and market performance. Yieldfund does it differently, with fixed-interest corporate bonds that pay 2–4% per month and distribute interest every week.

Interest payments are credited to the Yieldfund wallet app, where they can be stored or transferred to a personal bank account. As with all corporate bond investing, capital is at risk. Learn more.

dutch-senior-citizen-checking-her-pension-funds-on-her-phone-drawing-a-passive-income — Setting funds aside for your pension is a great way of building a passive income source. Image: Magnific

The Dutch (Box 3) wealth tax: what it means for your passive income

If you have savings or investments in the Netherlands, Box 3 is the part of your tax return that covers them.

If your total assets sit below €59,357 (or €118,714 if you have a fiscal partner), you owe nothing in Box 3. Are your total assets above that figure? Then read on.

Rather than taxing what you actually earned, the Belastingdienst assumes you made a certain return on your assets and taxes that figure at 36%. In 2026, those assumed rates are:

Savings and bank balances: 1.28% (not yet finalised)
Investments, property, and other assets: 6.00%

So if you hold €100,000 in investments, the tax office assumes you earned €6,000 on it — and taxes 36% of that, regardless of your actual return.

If your actual return turns out to be lower than what the Belastingdienst assumed, you can report your real return instead, and be taxed on that value instead.

Let op: Box 3 is in the middle of a major overhaul. A new system taxing actual returns rather than assumed ones is due to begin on January 1, 2028, so the rules may look quite different by this time next year.

How to get started: a checklist for growing your passive income

Geen stress, because you don’t need much to get started, just a few accounts and a rough plan you can revisit every few months.

Move your savings to an account offering a competitive interest rate. Many neobanks and investment platforms have higher rates than traditional Dutch banks, so explore your options.
Open an investment account and set up a small monthly contribution. Even €50 counts, and some will let you invest a much lower figure than that.
Buy a diversified ETF to get broad market exposure that minimises your risk and avoids the hassle of picking stocks yourself.
Check your employer’s pension situation. Dutch employers typically contribute 8–16% of pensionable salary, so not following up may leave serious money on the table.
Look into supplementary pension investing if you’re planning to stay long-term. Even if you’re an international, tax-advantaged accounts do exist.

Remember to check back in six months to see how things are going, and adjust your contributions if you need to.

Common mistakes to avoid while building a passive income

Between the wealth of “hack” advice on the internet and the desire to grow your income ASAP, it’s easy to fall into some financial pitfalls.

Here’s what to avoid:

Waiting until you have “enough” to start: Compound growth rewards time in the market above everything else, so starting with €50 a month now beats starting with €500 a month in three years.
Expecting fast results: Growing passive income is a slow process, and returns often feel small at first.
Putting everything in one place: Spreading your funds across a savings account, a diversified ETF, and a pension contribution is a solid strategy. Concentrating everything in one asset (especially something volatile like crypto) tends to be a risk that rarely pays off the way people hope.
Ignoring Box 3 until your tax return reminds you: If your assets are growing, it’s worth keeping an eye on where you stand relative to the €59,357 threshold.

Have you already started building passive income in the Netherlands, or are you still figuring out where to begin? Share your tips or experience in the comments below.

Disclaimer: DutchReview isn’t a financial advisor, and this article shouldn’t be taken as financial advice. Investing puts your capital at risk, and you may get back less than you put in. Always do your own research and, when in doubt, speak to a qualified financial advisor or belastingadviseur (tax advisor) before making any decisions with your money.

How much does weight-loss medication cost in the Netherlands in 2026?

Abuzer van Leeuwen 🇳🇱

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July 3, 2000

0

How much does weight-loss medication cost in the Netherlands in 2026?

If you’ve been eyeing weight-loss jabs and wondering what they’ll do to your bank balance, the short answer is that you’ll likely be paying yourself, somewhere between €150 and €400 a month, depending on the medication.

Weight-loss medication has gone from niche to nearly impossible to avoid in conversations about, sorry for repeating myself, losing weight.

But there’s a big gap between hearing about these treatments and knowing what they’ll actually cost you here in the Netherlands. So let’s break it down.

First, what exactly are “weight-loss drugs”?

The “weight-loss jabs” everyone means are GLP-1 receptor agonists. They mimic a hormone your body releases after eating, the one that tells your brain you’re full. Less hunger, less eating, and often weight loss.

They were developed for type 2 diabetes a good few years ago, now there are many others which have been specifically developed to lose that weight.

The same medication can be fully covered or entirely out of pocket, depending on why and when you’re taking it.

The big question: will my insurance cover it?

For most people using GLP-1 medication purely to lose weight, the answer in 2026 is probably no.

With a type 2 diabetes diagnosis, all eight major Dutch insurers cover it through the basic insurance (basisverzekering), and you’ll only pay your eigen risico — the €385 deductible.

Without that diagnosis of type 2 diabetes, you’re usually paying for the weight-loss drugs yourself.

When weight-loss medication is covered by Dutch insurance

But there is a chance that health insurance covers the costs for weight-loss drugs, the GLP1 medication could be covered if you have:

a BMI of 35-plus with a related condition (or 40-plus on its own),
a year on a recognised lifestyle programme (a Gecombineerde Leefstijlinterventie; it’s also great for winning Dutch Scrabble) without enough result,
and a doctor’s prescription.

So yeah, if you’re reading this, you probably tried a ton of lifestyle changes already but not the official recognised lifestyle programme. Which means that your doctor won’t prescribe it and thus, like many other Dutch folks in 2026, you have no other option then paying for it yourself.

And even if you get it covered by health insurance, you pay your €385 deductible first (or more, if you like to live dangerously and have a higher deductible sum)

woman-in-the-netherlands-checking-if-dutch-health-insurance-will-cover-her-weight-loss-treatments — Will insurance cover weight-loss drugs? Well… it depends. Image: Magnific

What do weight-loss drugs cost out of pocket?

If you don’t qualify for coverage, here’s roughly what you’re looking at per month in 2026. These are indicative figures, since prices shift with dosage and pharmacy:

A common GLP-1 medication used off-label for weight loss: around €150 to €250
An injection option developed for weight loss: roughly €250 to €550 (the dose matters too quite often!)
A dual-hormone treatment (it mimics a second hormone for a potentially stronger effect): around €400

These aren’t one-off costs, either. GLP-1 treatment is typically ongoing, so the monthly figure is the one that matters.

Looking for support (with a private and personal touch) with weight-loss medication in the Netherlands? Wellis offers fully online consultations with BIG-registered doctors, discreet home delivery, and ongoing medical and nutritional guidance throughout your treatment. Start your consultation here.

Why isn’t this just covered already?

Fair question, especially when CBS reports that half of Dutch adults had excess weight in 2024, with 16% in the obesity category.

The honest answer is cost and scale. Covering these medications for everyone who wants them would put enormous pressure on the healthcare budget, so the line sits at medical necessity rather than general weight loss.

overweight-woman-jogging-while-on-weight-loss-medication-in-the-netherlands — Many factors go into coverage for weight-loss medication. Image: Magnific

Whether that line moves is an open question. Some weight-loss medication could be added to basic insurance later in 2026, but nothing is locked in yet.

How can internationals actually access it?

If you don’t qualify for coverage but still want to explore GLP-1 treatment, you’ve got two routes.

The first is your huisarts (GP), who can check whether you meet the conditions and point you toward a lifestyle programme if it fits.

The second is a private clinic or online platform. You complete a health questionnaire, a BIG-registered doctor reviews your eligibility, and if approved, treatment is prescribed and delivered.

It’s a more personalised route, with the trade-off that you cover the cost yourself.

Have you looked into weight-loss medication while living in the Netherlands, or been surprised by what your insurance does and doesn’t cover? Tell us in the comments below.

Travelling to the Netherlands? Here are 8 things to take care of before you go

Travel

Abuzer van Leeuwen 🇳🇱

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July 1, 2000

0

Travelling to the Netherlands? Here are 8 things to take care of before you go

From securing a travel visa or ETIAS authorisation to navigating the Dutch transport network, this checklist covers eight handy steps to make your trip to the Netherlands smoother.

From paperwork to trains to the famously blunt locals, a bit of prep now saves you a headache later.

Most of it takes ten minutes, tops. We’ve done the annoying research bit so you don’t have to.

1. Check your Schengen entry requirements

If you’re a non-EU visitor, you’ll need a passport valid for at least three months beyond your departure date from the Schengen area, plus proof you can actually afford to be here.

Depending on your nationality, that might mean applying for a Schengen visa, which typically requires travel insurance covering at least €30,000 in medical costs, according to Netherlands Worldwide, the official Dutch government site.

Right now, visa-exempt travellers (Americans, Canadians, Australians, and others) don’t need anything extra to enter. Enjoy it while it lasts!

photo-of-klm-boeing-737-landing-airport — Make sure you double-check your visa requirements before booking tickets. Image: Depositphotos

The EU’s new ETIAS (a quick online travel authorisation, basically Europe’s answer to the US’s ESTA) is set to launch in the last quarter of 2026, per the European Commission.

If your trip falls after that, budget a few extra minutes and €20 for the privilege of filling in a form.

2. Opt for a travel eSIM

You land at Schiphol. Your phone can’t find Wi-Fi, and you’re standing in arrivals wondering what currency your roaming charges are about to hit you in. A travel eSIM sidesteps all of that.

Instead of hunting down a Dutch SIM kiosk at the airport or hoping Schiphol’s Wi-Fi holds up, you can just install an eSIM before you even leave home. It activates the second you land, so you’ve got data before your suitcase has even made it onto the belt.

Don’t waste your first hour in the Netherlands hunting for connectivity. With a Holafly eSIM, you land at Schiphol with unlimited data already switched on.

Even better? Plans are fully customisable to match exactly how long you’re staying. Use code DUTCHREVIEW for 5% off your order.

Get connected

3. Book your must-see museums before you go

Amsterdam’s biggest museums don’t really do walk-ins anymore, and turning up on a whim gets you a very polite Dutch “no.”

For example, the Anne Frank House releases tickets every Tuesday at 10 AM for slots six weeks out, and they disappear fast, especially between March and October.

a-woman-stands-outside-centraal-station-in-amsterdam-and-browses-obscure-dating-apps-on-her-phone — Dutch attractions let you buy tickets online, so you can even book your itinerary straight from your mobile phone. Image: Depositphotos

The Van Gogh Museum is online-only too, so don’t bother trying to charm your way past the front desk. While the Rijksmuseum is a little more forgiving, you’ll still need a timed slot either way, so book a few days ahead rather than showing up and hoping.

And if you’re picturing Amsterdam as the only place worth booking a museum visit, think again. Leiden alone packs in 14 excellent museums, and good luck finding a queue there.

4. Look into the Netherlands’ new summer train pass

The Dutch government just launched the Nederland Dal Vrij Trein (“Netherlands off-peak free train”), a temporary €49-per-month pass for unlimited second-class travel outside rush hour and on weekends.

It’s valid until 31 August 2026, and it’s a serious discount on the subscription it’s based on, which normally costs well over €100 a month.

@dutchreview
An OV dream 🚆
♬ original sound – DutchReview

If your trip lands in this window, it’s worth checking before you commit to any other transport plan. Let’s just say €49 for unlimited weekend trains is the kind of deal that makes even the Dutch — a nation not exactly famous for impulsive spending — mildly excited.

5. Get used to Dutch directness

Ask a Dutch person what they think of your outfit, your cooking, or your parking, and they’ll tell you. Not out of malice, just because that’s how conversation tends to work here.

It’s such a defining trait that we gave it its own entry in our Dutch Quirks series: number 42, overwhelmingly direct and allergic to beating around the bush. It shocks a lot of visitors at first, especially anyone raised on polite ambiguity.

Once you clock it as a communication style rather than a personal attack, it’s actually pretty refreshing. No more second-guessing what people really mean.

6. Learn about Dutch tipping culture

Unlike in America, tipping in the Netherlands is never expected. Hospitality staff earn at least minimum wage regardless of tips, a legacy of a mandatory servicekosten (service charge) that quietly got folded into menu prices back in the 1970s.

close-up-of-buisnessman-tipping-for-rounds-of-drinks-bar-netherlands — If you’d like, you can round up the bill to leave a tip. However, it’s not expected, and servers won’t pressure you to do so. Image: Depositphotos

Rounding up the bill or leaving a little extra for great service is a nice gesture. Nobody’s counting on it, though.

We’ve gone deeper into exactly when and how much in our guide to Dutch tipping culture, so you never have to do that awkward mental maths at the table again.

Ditch the risky public Wi-Fi in Dutch train stations and let a Holafly eSIM keep your data safe from local scammers right from arrival.

You get to completely bypass the bureaucratic nightmare of needing a local BSN or Dutch bank account just to get connected. Let’s not sleep on their ‘Always On’ benefits and their 1gb of global backup data every month, so you are never left stranded. Best of all, you’ll have 24/7 WhatsApp support in your pocket if anything goes sideways — plus 5% off your order with code DUTCHREVIEW.

7. Sort out your travel insurance or health coverage

If you’re an EU or EEA citizen, don’t forget your European Health Insurance Card (EHIC). This card covers necessary medical care during your stay, ensuring that you don’t pay out of pocket for your care.

If you’re a non-EU (or EEA) citizen, get private travel insurance regardless of your visa status. The Dutch healthcare system often expects upfront payment from visitors, with reimbursement sorted out afterwards.

Even a short trip warrants checking your coverage, because a twisted ankle on cobblestones is a very avoidable bad memory.

8. Pick up a few essential Dutch phrases

Almost everyone in the Netherlands speaks excellent English, so you won’t struggle. But knowing how to say thank you properly in Dutch goes a long way and tends to earn you a warmer smile at the counter than the average tourist gets.

You don’t need fluency, just enough to show you made an effort. The Dutch notice. And despite everything we just said about their directness, they do appreciate it.

Got a trip to the Netherlands coming up? What’s still on your pre-departure checklist? Tell us in the comments below!

How to read your Dutch employment contract: the easy guide

Samantha Dixon 🇦🇺

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June 9, 2000

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How to read your Dutch employment contract: the easy guide

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.

photo-of-woman-smiling-and-looking-at-screen-while-holding-Dutch-work-contract — *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.

If you’re interested, you can learn more about the phase system and the CAO for temporary workers on the ABU (Federation of Temporary Employment Agencies) website.

Permanent contract (Vast contract)

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.

photo-of-woman-and-man-looking-at-Dutch-work-contract — 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.

photo-of-woman-shaking-hands-with-employer-after-discussing-salary-on-her-Dutch-contract — 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.

woman-reading-the-employment-contract-at-her-new-dutch-job — 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.

photo-of-woman-leaning-back-in-chair-while-having-a-Dutch-employment-contract — 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!

Travelling outside the EU with a Dutch SIM: what does it really cost?

Liana Risseeuw 🇱🇰

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June 4, 2000

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Travelling outside the EU with a Dutch SIM: what does it really cost?

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.

tourist-with-dutch-sim-card-using-roaming-data-to-navigate-with-google-maps — 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.

Sign up with Simyo

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.

friends-navigating-around-city-centre-via-their-dutch-sim-with-out-of-bundle-data-costs — 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.

person-using-public-transport-app-while-scrolling-on-phone-with-dutch-sim-and-data-roaming-activated — 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.

woman-on-holoday-scrolls-mobile-phone-while-enjoying-iced-coffee-thanks-to-her-dutch-data-roaming-bundle — 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.

couple-from-the-netherlands-uses-dutch-esim-with-data-roaming-package-on-trip-abroad — 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.

Sending money abroad from the Netherlands? Here’s how ING makes it easier

Liana Risseeuw 🇱🇰

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May 19, 2000

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Sending money abroad from the Netherlands? Here’s how ING makes it easier

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.

photo-of-a-man-transferring-funds-with-his-dutch-mobile-banking-app-ing-while-on-his-coffee-break — 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.

photo-of-internationals-using-dutch-banking-app-ing-to-transfer-funds-overseas-while-travelling — 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.

photo-of-a-long-haired-dutchman-transferring-funds-abroad-with-ing-international-payments-feature — 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.

photo-of-a-man-sitting-with-a-female-using-his-ing-mobile-banking-app-to-send-funds-within-the-eurozone — 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.

photo-of-a-dutchman-transferring-funds-overseas-with-ing-international-payments — 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).

eSIMs in the Netherlands: how they work, who they’re for, and when to consider one

Liana Risseeuw 🇱🇰

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April 29, 2000

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eSIMs in the Netherlands: how they work, who they’re for, and when to consider one

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.

international-in-the-netherlands-holding-phone-with-dutch-esim-sim-card-as-she-waits-for-the-bus — 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.

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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.

man-uses-a-dutch-esim-as-he-stands-in-a-train-station-with-a-train-passing-by — 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.

friends-navigating-around-dutch-city-centre-via-their-travel-esim-on-a-orange-mobile-phone — 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.

man-frowning-at-his-old-model-mobile-which-is-not-compatible-with-esims — 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.

man-using-mobile-connected-to-dutch-esim-at-the-airport — 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!