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This Dutch bank is offering free financial consultation to get your money in tip-top shape

Lyna Meyrer 🇱🇺
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This Dutch bank is offering free financial consultation to get your money in tip-top shape

Managing your finances can be tricky, but when you’re an expat, it becomes even more complex. 

With bank accounts, investments and financial commitments spread across different countries, keeping everything in order can be overwhelming. 

That’s why having a solid financial plan is crucial — not just to stay on top of your money but to make the most of it.

To help you overcome these challenges, ING is offering expats in the Netherlands a completely free, no-commitment consultation to give you expert guidance on the topic you need help with. 

Why should you book a free ING consultation?

If the fact that it’s free doesn’t already convince you, it’s good to know that ING is also the largest bank in the Netherlands — so their experts know what they’re doing. 

But besides that, there are heaps of reasons why you shouldn’t say nee to a free financial consultation. Let’s get into them. 👇

Gain an understanding of your financial situation

Not exactly sure where you stand financially? Or whether you’re on track to meet your financial goals? That’s where an “Insight conversation” with ING comes in. 

During this meeting, a financial expert will help you assess your current financial situation — reviewing factors like your income, expenses, savings, and debts — to identify areas for improvement. 

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Know where you stand — and where you’re going. Image: Depositphotos

Together, you’ll figure out where you stand financially and create a plan for your next steps, whether that means cutting unnecessary costs, increasing your savings, or exploring better investment options.

Explore your investment options  

Investing is popular amongst expats and can help grow your money over time. But I get it — it can be intimidating to get started or know where to go next.

During a financial consultation with ING, you can ask all the questions you may have about investing, including whether you might be in a good position to get started and how to do so.

Naturally, there are also risks associated with investing, and a financial consultation can help you understand them and determine your risk tolerance.

If you’re considering investing €50,000 or more, ING’s personalised Portfolio Management may be a great choice.  Determine your strategy together with an Asset advisor and review it periodically, if necessary, in consultation.

Plan for major life events

Are you starting a family? Buying a home? Starting a business? How exciting! These major life events often come with major financial decisions, and it’s normal to want some guidance in making them.

If homeownership is on your radar, ING’s mortgage consult can help you understand what you can afford and what mortgage options are available for you. 

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Life changes come with financial responsibility. Image: Depositphotos

After the meeting, you can even get an orientation certificate that tells you how much you can borrow, so you are well prepared when you put in an offer on a property or register for a new build. 

Thinking of launching your own business? Then an ING expert can help you determine how to get started with their business banking services. They can also provide insights on managing cash flow, securing funding, and establishing a solid financial foundation.

Get expert guidance and personalised advice

Do you have any other questions regarding your Dutch finances? Great! The whole point of ING’s financial consultation is to get personalised advice tailored to your situation.

As Dutch economy experts, ING can guide you through the ins and outs of Dutch finances, ensuring you make informed choices that align with your goals.

Whether you’re looking to optimise your budget, start investing, or ensure you have the right insurance coverage, an insight conversation provides valuable guidance tailored to your situation.

Ready to book a free consultation with ING? Each conversation lasts 45 minutes and can be done either online or in an ING branch near you. 

Note that insight conversations are only available to ING customers — luckily, ING has a whole range of banking solutions for internationals in the Netherlands. Take that as a sign. 😉 

Book your appointment today

What financial question would you like expert guidance on? Share it in the comments.

This article is sponsored by ING and written by DutchReview.

Bag on the train seat next to you? NS says it now has to be in your lap (even on quiet trains)

Sarah O'Leary 🇮🇪
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0
Bag on the train seat next to you? NS says it now has to be in your lap (even on quiet trains)

We all hate to see it: your train pulls in and passengers already looks like sardines in a can. An even more aggravating sight? Spotting a free seat among the hoards of people — occupied by a bag.

Now, we’ve all been the ones seething, but we’ve also all (at least once) been the owner of said chair-hogging bag.

However, the NS is putting an end to this common practice. From now on, you must either keep your bag on your lap or in the overhead compartment.

And that huge suitcase that you’re taking to Schiphol? It’ll have to squeeze into the space between two four-seat compartments.

According to the National Consultation on Consumer Interests in Public Transport (Locov), the NS has let this new decree be known: it doesn’t matter if it’s a quiet train, bags may not be kept on seats under any circumstances.

How are they even going to enforce this?

If the scathing looks of others aren’t enough to encourage someone to sheepishly remove their bag from a seat, how does the NS expect to actually enforce this new policy?

According to NOS, NS has said that conductors will speak with passengers, however they won’t go so far as to issue any fines.

They will also raise awareness using posters (which you may have already spotted in some Sprinters.)

A big pet peeve

While you may be groaning at this news, the research shows that bags on seats are a serious annoyance among train travellers in the Netherlands.

Speaking with NOS, Daan Zieren, director of passenger organisation Rover confirms this.

“It ranks in the top three of travellers’ biggest annoyances. Previously, people would remove their bags when the train was crowded. But now they increasingly pretend not to see the crowds, for example by staring out the window. Or people simply refuse to remove their bags.”

Anyone who has experienced a train through the Randstad after 4 PM knows this is true.

According to the NS, we could do with the help of conductors to fix this because travellers are less and less likely to confront each other.

Also true.

What do you think of this new policy? Tell us your thoughts in the comments below!

11 iconic things to do in Volendam in 2026

Lea Shamaa 🇺🇸🇱🇧
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1
11 iconic things to do in Volendam in 2026

Whether you want to try on traditional Dutch klederdracht or taste fresh seafood along the historic De Dijk harbour, here are 11 iconic things to do in Volendam to unleash your inner Dutchie.

The historical fishing town of Volendam offers so many underrated experiences to make you feel like a true Nederlander. 🇳🇱

From eating some lekker haring on the town’s famous dike to visiting an old ship of the Dutch East India Company, there are many iconic things to do in Volendam. 

Planning a day trip to Volendam during your Dutch holiday? Don’t get caught without data while venturing out of Amsterdam.

With an Airalo eSIM, you can get connected as soon as your flight touches down at Schiphol. Just download, install, and you’re online. Perfect for posting those day trip snaps in real time!

Get connected

1. Dress up in traditional Dutch clothes at Fotostudio Volendam

photo-of-traditional-dutch-clothes-hanging-on-coathangers-at-fotostudio-volendam
Time to dress like the Dutch. Image: Depositphotos

What’s a better way to familiarise yourself with Dutch culture than by dressing up in classic Dutch farmer attire?

At Fotostudio Volendam, you can do precisely that. Whether you’re with a friend or an entire group, grab a traditional-dress costume along with some wooden clogs, and “Say cheese!” (Yes, another very Dutch thing!) 🧀

Pro tip: You can request to have your picture in a classic Sepia filter for that old nostalgic effect! 😎

Your pictures will be printed and ready within just an hour after taking them — an unforgettable souvenir and a top thing to do in Volendam.

💰 Price: Prices vary depending on the size of the picture and the number of people
⏰ Opening hours: Daily from 10 AM to 6 PM
📍 Location: Haven 92, 1131 ET Volendam

2. Stuff your face with herring on the dike

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A delectable plate of herring. 🐠 Image: Depositphotos

If slipping a fresh, onion-topped herring in your mouth doesn’t make you feel like a true Nederlander, we don’t know what will. 

Herring, a small oily fish, has long been part of Dutch tradition. Today, it’s bought from street kiosks and fish stores, served with chopped onion, and eaten all in one go. Eet smakelijk!

On its famous dike, Volendam offers several shops and kiosks with fresh haring to satisfy your taste buds. 😋

💰 Price: About €2 for one serving
⏰ Opening hours: 10 AM to 6 PM Monday to Saturday
📍 Location: Haven 82, 1131 EP Volendam

3. Get in touch with Volendam’s history at Experience Volendam

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The traditional and elegant Dutch attire. Image: Depositphotos

Become acquainted with some local towny culture and experience what Volendam looked like 100 years ago! 

READ MORE | The liberation of the Netherlands like you’ve never seen it before (coloured videos inside)

Experience Volendam lets you look at the city circa 1916 via virtual reality glasses, and it’s so realistic you can almost smell the fish at the harbour. 🐟

💰 Price: €8.75 per person (minimum two people)
⏰ Opening hours: Daily from 11 AM to 5 PM
📍 Location: Haven 154, 1131 EW Volendam

4. Soak up the rays at Volendam’s beach

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So serene; it almost looks like a painting! Image: Depositphotos

When compared to other Dutch towns, Volendam is quite small, and so is its beach. But, it’s definitely worth taking a dip in the freshwater of Lake Marker (A.K.A Markermeer). 🏊

While the lake used to be made up of salt water, after the closing of the Afsluitdijk in 1932, the water became completely fresh. 

READ MORE | Best beaches in the Netherlands: the ultimate guide to Dutch beaches

Usually, the beach is busiest between 9 AM and 1 PM, but you’ll only have to consider that during warm summer days when the sun is shining and the water isn’t freezing.

💰 Price: Free
⏰ Opening hours: 24/7
📍 Location: Havendijkje, 1131 XP Volendam

5. Look inside an old Dutch VOC ship at Volendam’s harbour

Replica of VOC ship in Volendam harbor in Holland
The Halve Maen in Volendam’s harbour! Image: Depositphotos

As an old harbour city, it seems almost essential to check out the true-to-history replica of the old Dutch VOC ship that dates all the way back to the 17th century. 

The original ship, called Halve Maen, is best known as a discovery ship and a freighter in the bulk trade, and is currently open to the public as a museum!

On board, you can learn about all the adventures the ship has had and get some lekker dinner on board afterwards. 🥘

⏰ Opening hours: currently closed for inspection
📍 Location: Havendijkje 2, 1131 EZ Volendam

6. Visit the old fish auction building

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It doesn’t serve as a fish auction anymore, but you’ll find great handmade products there! Image: Weefemwe/Wikimedia Commons/CC3.0

Wandering Volendam’s waterfront and need reliable data? With Airalo, you can get connected without eye-watering roaming fees. Just pick a Dutch eSIM, install it in minutes, and switch plans whenever you travel onward. No queues, no SIM swaps, and no nasty surprises on your bill.

In this historical building, built as a trade office in 1934 and later used as a fish auction hotspot, lies Volendam’s rare and intact monument: St. Vincentius’ Fish Auction Cooperative.

Since April 2017, it has acted as a shop where you can buy local products that are handmade in Odion’s day activity centres.

You can visit the monument at Volendam’s harbour. It’s built in the style of expressionism, and while the superstructure is made of wood, it rests entirely on concrete beams and legs. 

Miss the fish? You’ll be happy to know that the fish auction is often re-enacted during school outings and popular festivities, so keep your eyes on the calendar. 🐠

💰 Price: Free entrance, but the rest depends on what you buy there 🛍
⏰ Opening hours: April to November, 9 AM to 4 PM from Tuesday to Thursday
📍 Location: Haven 43, 1131 EP Volendam

7. Indulge in Dutch cheese at the Cheese Factory Museum

Photo-of-woman-weighing-boerenkaas-in-traditional-Dutch-cheese-shop
There’s no cheese like Dutch cheese. Image: Depositphotos

In prime position on Volendam’s dike is The Cheese Factory Volendam — how Gouda! 🧀

Here, you can indulge in melt-in-your-mouth cheese tastings, discover how Dutch cheese is produced, explore the museum, or grab a tasty souvenir in the gift shop.

No reservation is necessary, so pop on in and have a cheesy time! 💁

💰 Price: Free entrance
⏰ Opening hours: mid-March until November, daily from 9:30 AM to 6:30 PM; November until mid-March, daily from 10:30 AM to 5 PM
📍 Location: Haven 25, 1131 EP Volendam

8. Sail on the incredible Marken Express

marken-harbour-volendam
A view of the Marken harbour from the Marken Express. Image: Depositphotos

This 30-minute cruise sails across the water from Volendam to the still and peaceful island of Marken. ⛴

With a bar on board, you can enjoy a drink while taking in the serene atmosphere as you look out onto the still lake water. 

Once you arrive at the Marken peninsula, you’ll have the opportunity to experience the island’s beautiful coastal sights, visit the Marken Museum and gaze at its harbour. 

The Volendam Express has been sailing for almost 100 years, which truly makes it an unmissable piece of Volendam history! 🛥

💰 Price: €16.50
⏰ Opening hours: Daily departures from Volendam every 45 minutes from 9:45 AM to 6:30 PM 
📍 Location: Haven 39, 1131 EP Volendam

9. Watch how clogs are made at Alida Hoeve Clog Factory

picture-of-many-Dutch-wooden-clogs-stacked
Dutch culture wouldn’t be the same without the iconic clogs. Image: Depositphotos

While this factory calls for a trip outside of the main city of Volendam, it’s always worth a visit to watch the traditional production process behind a pair of Dutch clogs. 🇳🇱

Luckily, you don’t need to pay a single cent for entrance, parking, or to watch the demonstration, which lasts a bit less than one hour. 

Alida Hoeve also doubles as a cheese farm, where you’ll find the world-famous Edam, sheep, and goat cheese. Lekker! 😋

💰 Price: Free
⏰ Opening hours: daily from 9 AM to 6 PM
📍 Location: Zeddeweg 1, 1131CW Volendam

10. Enjoy an unr(eel) musical tour at the Palingsound Museum

photo-of-man-looking-at-records-in-palkingsound-museum-volendam
Let your ears do the exploring. Image: Magnific

Who would’ve thought that there was a connection between electric eels and Dutch music?

Well, at Smit Brokkum’s Palingsound Museum, that’s exactly what you’ll find! 🎶

With an exhibition on Volendam’s music history, the museum offers a look into 100 years of the city’s music, made by “ordinary” Volendammers who put the city on the map. 🌍

Where do eels come into play? Well, it’s a nod to Volendam’s maritime economy and a reference to the type of music made by Volendammer artists, a smooth and relaxing melody, which they have come to call “eel sound”. 

So, sorry to the aquatic lovers, there are no eels on display! But you can reserve lunch or dinner at the restaurant after the tour, where you might just find eel on the menu. 😉

💰 Price: €1.75 for admission
⏰ Opening hours: 9:30 AM to 6 PM from Tuesday to Sunday (closed on Mondays)
📍 Location: Slobbeland 19, 1131 AA Volendam

11. Take in the sights at Marina Volendam

volendam-harbour
Who wouldn’t want to spend a day here? Image: Depositphotos

Last but definitely not least, Volendam has a wonderful marina with a gorgeous view of Lake Marker. 🌊

With various restaurants and cafés on Volendam’s famous dike, you can grab a glass or a snack and stroll around the marina, enjoying the aquatic winds. 🌬️

💰 Price: Free
⏰ Opening hours: 8 AM to 7 PM Monday to Sunday
📍 Location: Pieterman 12, 1131 PW Volendam

As you’ve just read, there are so many iconic things to do in the city of Volendam. And, since it’s quite a small city, you can easily make a day trip out of it! 🚗

Did you like this list of things to do in Volendam? Have other things to add to it? Tell us in a comment below! 👇

Trump wants a toll on the Strait of Hormuz: Jetten says “we are not going to cooperate”

Sarah O'Leary 🇮🇪
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0
Trump wants a toll on the Strait of Hormuz: Jetten says “we are not going to cooperate”

The US wants to charge 20% on all cargo passing through the Strait of Hormuz, President Donald Trump announced on Monday.

And Dutch prime minister Rob Jetten has already made it clear that the Netherlands will have nothing to do with it.

If that sounds like a lot of money for a stretch of water, that’s because it is. And the fight over what happens next involves The Hague, Brussels, and quite possibly your energy bill.

So what exactly is Trump proposing?

Alongside a reinstated naval blockade of Iranian ports, Trump wrote on Truth Social that the US should be paid 20% of the value of all cargo shipped through the strait in exchange for protecting it.

“From this moment on, the US will be known as the protector of the Strait of Hormuz,” he claimed.

Exactly how anyone would collect this money is not something he addressed, according to NOS. The blockade itself takes effect at 10 PM Dutch time.

The Dutch reaction was blunt

Jetten’s response has been direct. “A toll is out of the question,” he told ANP. “That’s a view we really hold Europe-wide.” He called the plan a very bad proposal, and said the Netherlands absolutely won’t cooperate with it.

He added that further escalation serves nobody, and that the warring parties need to get back to negotiating a peace deal.

The same message came out of Brussels. Speaking after Monday’s meeting of EU foreign ministers, Kaja Kallas put it plainly:

“Before the war, the Strait of Hormuz was open to shipping without tolls. After the end of the war, the Strait must be open to shipping without tolls.”

How will this affect you?

Roughly a fifth of the world’s oil normally moves through this strait, and the market reacts instantly. Oil posted its biggest single-day gain since April, with Brent closing above $83 a barrel.

That feeds straight into petrol at the pump and the energy bill landing in your inbox — something we’ve already seen play out this year as Dutch shipping struggled to get through at all.

Is a toll even legal?

Put simply, nee. The UN’s International Maritime Organisation said there’s no legal basis for mandatory tolls simply to pass through a strait used for international navigation.

US Secretary of State Marco Rubio said much the same thing in late June, when it was Iran floating the idea. So, Washington is now proposing the exact thing it recently called illegal.

Dig what you’re reading? Get more of it! Join our WhatsApp channel or Instagram broadcast to get the latest news straight to your pocket.

These are the best digital banks in the Netherlands in 2026

Katrien Nivera 🇵🇭
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5
These are the best digital banks in the Netherlands in 2026

If you’re looking to up your financial game, there are plenty of digital banks in the Netherlands ripe for the picking. 

Digital banking has changed the financial landscape, offering all kinds of convenient and innovative features — but choosing the best bank for you can be difficult. 

READ MORE | Banking in the Netherlands: the complete guide

We’ve tried and tested plenty of these banks, considering features such as global accessibility, money transfers, investment options, and savings accounts. 

Here are the top digital banks in the Netherlands. 👇

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

bunq: Our top choice

bunq-logo-with-rainbow-stripes-best-dutch-digital-banks

With services in English, an easy sign-up process, and sustainable banking options, bunq is arguably one of the most popular digital banks in the Netherlands.

We particularly liked having up to 25 accounts with separate Dutch IBANs, scheduling direct debits, and the Autosave feature, which rounds up payments into savings.

Sign up for bunq

Trade Republic: Best for investing

trade-republic-logo-best-dutch-digital-banks

With a generous 3% interest rate and a range of powerful investment features, Trade Republic is also a stellar option for internationals who want to dip a toe in the world of stocks, ETFs, and crypto.

However, let op: Trade Republic doesn’t offer traditional banking services like making card payments or providing loans.

Sign up for Trade Republic

Revolut: Best for international banking

revolut-square-logo-best-dutch-digital-banks

Revolut is another digital bank in the Netherlands that offers easy international transactions, free ATM withdrawals, and the best investment opportunities of any digital bank in the country. 

Whilst the bank has a slightly higher monthly fee than its competitors, its multi-currency accounts and overall flexibility made up for it. 

Sign up for Revolut

Raisin: Best for sky-high interest rates

raisin-logo-bank-best-dutch-digital-banks

In addition to giving you access to soaring interest rates at banks across Europe, Raisin also offers you the freedom to shop around for banks that best suit your needs — with no registration required.

The only downside? Raisin only focuses on savings, so you won’t find any traditional banking services or investing opportunities here.

Sign up for Raisin

N26: Best for sheer simplicity

teal-coloured-n26-bank-logo-best-dutch-digital-banks

N26 is jam-packed with convenient features, like an intuitive mobile app for on-the-go banking, affordable monthly fees, and access to all these features from across the globe. 

Making an international money transfer is a breeze without hidden costs or extra fees — handy if you have family or businesses abroad. 

Sign up for N26

Key factors in choosing the best digital bank in the Netherlands

🔐 Security

Security should be a top priority for any digital bank in the Netherlands. 

READ MORE | Best banking apps for internationals in the Netherlands

Consider digital banks with a strong track record of protecting customer data, using advanced security measures, and monitoring fraud to ensure your money and personal information are protected from any threats. 

💸 Transaction fees

Transaction fees can significantly change your overall banking cost.

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You’ll need to assess what transaction fees your digital bank charges and see whether important features like tap-to-pay are available. Image: Freepik

If you’re concerned about hidden costs and fees, consider digital banks in the Netherlands, which have transparent fee structures and low to no fees for common transactions like ATM withdrawals and bank transfers. 

🌍 Global accessibility

Global accessibility is another important factor when choosing a digital bank in the Netherlands, especially if you travel frequently.

READ MORE | How inclusive and accessible are Dutch banks? The ultimate guide

If you want to bank worldwide, choose a digital bank that allows you to access your accounts from anywhere and partners with international ATMs for each cash withdrawal. 

🗺️ International money transfer availability

If you need to send or receive money internationally, consider a digital bank that supports international transfers with low fees and competitive exchange rates.

READ MORE | Money transfers in the Netherlands: the easy (and cheap!) guide

Some digital banks in the Netherlands specialise in international transfers and offer faster, more affordable transfer options than traditional banks. 

💲 Access to multiple currencies

Similar to global accessibility and international money transfers, you may want a bank that offers access to multiple currencies.

international-in-the-netherlands-scrolling-on-their-digital-bank-app-on-their-mobile-phone-to-access-multiple-currencies
In addition to determining how globally accessible your digital bank is, it’s important to find out if you’ll be able to open multi-currency accounts. Image: Freepik

A digital bank in the Netherlands that allows you to hold multiple currencies can help you avoid costly transfer and withdrawal fees, especially if you travel often. 

☎️ 24-hour customer support

Having access to all-day customer support is a plus, whether it’s a problem with transactions, security, or withdrawals. 

To reach customer support easily, look for a bank that provides round-the-clock support through different channels.  

🏦 High interest on savings accounts

If you’re looking to save money for emergencies, retirement, or a rainy Dutch day, consider a digital bank with high interest rates on savings accounts.

Digital banks in the Netherlands offer different rates for fixed-rate and flexible savings accounts depending on your needs. 

Ultimately, picking a digital bank in the Netherlands isn’t difficult if you know your needs and priorities. Now, get ready to open a bank account and make sure your finances are healthier than ever!

Do you have any tips for digital banking in the Netherlands? Tell us in the comments below!

Best digital banks in the Netherlands: frequently asked questions

What is the best digital bank in the Netherlands?

Do I need a BSN to open an account at a digital bank in the Netherlands?

Which digital bank in the Netherlands has the best interest rate on savings accounts?

Can I bank in English in the Netherlands?

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

Lyna Meyrer 🇱🇺
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0
Investing vs saving in the Netherlands: What’s the right choice in 2026?

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

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

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

Let’s walk through it.

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

Investing in the Netherlands

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

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

That gap says a lot.

How investing in the Netherlands works for residents and expats

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

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

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

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

Pros and cons of investing

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

✅ Pros:

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

❌ Cons:

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

Dutch investment taxation (Box 3)

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

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

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

How safe are investments in the Netherlands?

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

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

READ MORE | Best crypto exchanges in the Netherlands [2026 guide]

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

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

Best investment platforms in the Netherlands

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

Trade Republic: simple app with fractional investing

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

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

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

Sign up with Trade Republic

DEGIRO: low fees and a broad ETF selection

degiro-logo-best-dutch-banking-apps

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

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

Sign up with DEGIRO

 Disclaimer: Investing involves risk of loss.

Scalable Capital: automated plans and recurring investments

scalable-logo-best-dutch-banking-apps

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

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

Sign up with Scalable Capital

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

Saving for retirement, instead? A popular Dutch option is Brand New Day, which allows you to invest monthly in pension funds and offers tax benefits if you meet the conditions.

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

It’s especially handy if your employer pension feels underwhelming and you want to build an extra layer yourself.

What to check before choosing an investment platform

A quick checklist:

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

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

Saving money in the Netherlands

Now let’s look at the more predictable option.

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

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

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

How Dutch savings accounts work

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

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

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

Pros and cons of saving

Savings give you stability, but not much growth.

✅ Pros:

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

❌ Cons:

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

Dutch savings interest rates

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

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

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

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

Taxes on savings (Box 3)

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

Best savings accounts in the Netherlands

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

bunq: feature-rich, modern banking

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

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

With a 3.01% interest rate, its savings rate is higher than that of traditional banks, and the app experience is one of the best in the Netherlands.

Sign up with bunq

Trade Republic: best high-yield savings account

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

At 3%, Trade Republic offers one of the highest flexible savings rates available in the Dutch market, especially compared to big traditional banks. 

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

Sign up with Trade Republic

Raisin marketplace: highest-rate savings rates across Europe

raisin-logo-bank-savings-account-netherlands

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

With rates up to 2.85%, you can always switch accounts when better rates appear, and everything stays under the €100,000 EU deposit guarantee per bank. It’s ideal if your priority is the best return rather than the prettiest app.

Sign up with Raisin

READ MORE | Best fixed-term deposit savings accounts in the Netherlands in August 2026

What to check before choosing a savings account

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

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

Saving vs investing in the Netherlands: which is better?

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

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

Both have their place, but they do different jobs.

Liquidity, risk, and returns

CategorySavingInvesting
LiquidityHighMedium
RiskLowMedium to high
Expected returnsLowHigher

Example: saving vs investing €100 per month

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

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

At 7% growth? Around €52,000.

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

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

When saving is the better choice

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

When investing is the better choice

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

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

How to decide between saving and investing in the Netherlands

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

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

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

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

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

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

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

Saving vs investing in the Netherlands: Frequently asked questions

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

How much should I keep in savings?

Can internationals invest easily in the Netherlands?

Is now a good time to invest or save?

Do I pay different tax rates on savings and investments?

Can I invest for retirement as an expat?

What if I move countries later?

Best prepaid credit cards in the Netherlands for 2026

Liana Risseeuw 🇱🇰
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2
Best prepaid credit cards in the Netherlands for 2026

Prepaid credit cards in the Netherlands give you the benefits of a credit card, like shopping online and paying abroad, with zero risk of debt and no income requirements. 

Ready to make every cent count? We’ve found and ranked the best Dutch prepaid credit cards for personal and business use in terms of features, fees, and overall value.

READ NEXT | The best credit cards for expats in the Netherlands

TIP: In a hurry? These are our top picks for prepaid credit cards in the Netherlands. 👇

🎁 Best prepaid credit card for perks and features: Revolut Mastercard
🗺️ Best prepaid credit card for travelling: bunq Mastercard
👩🏻‍💻 Best prepaid credit card for freelancers: N26 Business Mastercard

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

Best Dutch prepaid credit cards for personal use

When it comes to everyday banking, these are the most feature-rich and secure prepaid credit cards on the Dutch market. ✨

bunq Mastercard: Best for travelling

bunq-credit-mastercard

With ZeroFX enabled, the bunq Mastercard always offers you the best exchange rate while you’re abroad with no conversion fees. Even better? You can spend (and save!) in up to 20 currencies.

Although bunq’s paid tiers give you 1 to 3 physical cards, its basic plan offers you handy money-management features and a virtual Mastercard — completely free.

Check it out

Revolut Mastercard: Best for extra perks

revolut-prepaid-credit-card-black

Thanks to features like cashback, airport lounge access, and easy breezy currency exchanges, the Revolut Mastercard is our top pick for a perk-filled prepaid credit card.

Whilst a paid banking plan offers the most features for your wallet, all free accounts come with a virtual card — giving you access to a wealth of Revolut’s financial tools at zero cost.

Check it out

Trade Republic: Best for earning interest

trade-republic-mirror-card-banking-netherlands


Trade Republic’s snazzy new prepaid banking card is the best way to earn money while you’re spending it, thanks to its handy Saveback feature, investment opportunities, and lack of monthly fees.

Even better, building your portfolio is as seamless as can be. By manually rounding up your card payments to the next euro, Trade Republic lets you invest the balance in a stock or ETF of your choice.

Check it out

N26 Mastercard: Best for feature-rich banking

n26-mastercard-metal-prepaid-credit-card

The N26 Mastercard is tailor-made for internationals, with its speedy sign-up process, worldwide acceptance, and zero foreign transaction fees.

This Mastercard offers you full control over your banking experience, from changing your PIN, setting a spending limit or even locking your card.

Check it out

Wise card: Best for international transfers

wise-prepaid-credit-card

Dubbed the “most international card on the planet”, the Wise card lets you pay and withdraw in over 40 currencies and 160 countries, with no hidden costs.

Although a physical card costs a one-off fee of €7, all virtual cards are free, and there are zero monthly account fees.

Check it out

Best business prepaid credit cards in the Netherlands

For business banking, these credit cards offer a host of handy features, including spending insights, integrations with accounting software, and more! 🧑🏻‍💼

N26 Business Mastercard: Best for freelancers

n26-business-mastercard-prepaid-credit-card

Freelancers looking for an affordable bank card will love N26’s Business Mastercard, which offers in-depth spending insights, cashback rewards, and zero foreign transaction fees.

A paid N26 plan offers powerful benefits, from travel and baggage insurance to purchase protection and handy discounts on premium brands.

Check it out

Revolut Business Mastercard: Best for international banking

revolut-square-logo-bank-netherlands

Offering easy-breezy banking across borders, the Revolut Business Mastercard lets you spend in 130+ currencies, manually set spend limits, and seamlessly sync with accounting software.

Working in a different timezone? This Mastercard also offers handy expense automation and in-depth financial overviews to ensure you don’t miss that important deal.

Check it out

What’s the difference between a prepaid credit card and a regular credit card?

A prepaid credit card requires you to have adequate funds loaded onto it before making transactions, as it offers no overdraft facilities once you’ve exhausted your funds, similar to a debit card.

As the terms ‘prepaid credit card’ and ‘debit card’ are often used interchangeably, we’ve treated them as one entity in this article.

READ MORE | How to open a bank account in the Netherlands: the ultimate guide

On the other hand, a regular credit card operates on credit (hence the name).

You sign a contract with a card-issuing financial institution and agree on a monthly credit ceiling for your expenses, with the expectation that you’ll pay any debts back within a set period.

Have you used any of the cards on this list? Tell us what you thought of it in the comments below!

Prepaid credit cards in the Netherlands: Frequently asked questions

What is a prepaid credit card?

What are some disadvantages of prepaid credit cards?

How much does a prepaid credit card cost?

Do prepaid credit cards work in Europe?

What credit cards work in the Netherlands?

Why are credit cards not often accepted in the Netherlands?

Banking in the Netherlands: The complete guide

Samantha Dixon 🇦🇺
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16
Banking in the Netherlands: The complete guide

Are you moving to the Netherlands or thinking of opening a Dutch bank account, and not sure what to expect? Don’t stress, while banking in the Netherlands is certainly different, that doesn’t mean it’s difficult. 👍

Here, we’ll cover all you need to know about paying in the Netherlands, credit cards, transferring money, the best banks for expats, and more!

Whew, what a list! But we promise that by the end, you’ll be a Dutch bank account expert. 😉 Let’s get started.

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

Why you need a debit card in the Netherlands (and how to get one)

The single most important thing you need to know about banking in the Netherlands is this: you need a debit card.

Not a Visa Debit, not a Debit Mastercard, and definitely not a credit card: it has to be just a debit card.

Cards used in the Netherlands are usually Maestro or VPay.

Let op! MasterCard, AMEX, and Diners Club cards are rarely accepted, no matter what your overseas bank tells you. Cash payments are also becoming increasingly rare in the Netherlands, so a handy debit card is the way to go for sure.

So what does this mean for you? Easy. To be able to pay in most Dutch shops, you’ll need to open a Dutch transaction account.

Your new shiny transaction account will come complete with a debit card that will be easily accepted across the Netherlands.

It will also make it 100 times easier to pay your bills, sign up for subscriptions, or do anything else banking-related — we promise.

How do you open a Dutch bank account? It’s surprisingly easy with our full guide below. 👇

READ MORE | How to open a Dutch bank account: ultimate guide

infographic-showing-the-accepted-dutch-bank-cards-most-accepted-maestro-vpay-for-banking-in-the-netherlands
Credit cards are often only accepted in tourist locations or some chain stores. Image: Samantha Dixon/DutchReview

How much does it cost to have a bank account in the Netherlands?

A Dutch bank account typically costs anywhere from €2 to €20 per month, depending on the bank and what kind of account you need. Some banks will even charge you quarterly.

READ MORE | These are the best banks for expats in the Netherlands

Credit cards can cost more; however, every bank charges completely different rates, so it’s worth shopping around and seeing which one is best suited to you.

It’s also worth noting the interest rate in case you can’t pay your credit card off in one go (we feel ya).

Note that some companies have very high interest rates. So shop around and be careful with that shiny credit card of yours.

Banks in the Netherlands

There are many banks here in the Netherlands, but here are our top choices for internationals. 👇

ING: Best for affordable, expat-friendly banking

ing-banking-square-logo-orange-lion

Another solid choice for a traditional banking experience, ING is one of the few Dutch banks that are fully accessible to internationals, with an English app and expat-friendly website.

Even better? With current accounts starting from just €4 per month, managing your finances is also super affordable.

Sign up with ING

bunq: Best neobank for online banking

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

One of the best neobanks on the market, bunq lets you open a bank account in mere minutes — with BSN requirements waived for a generous 90 days.

Although bunq lacks physical branches, its user-friendly banking app makes managing your finances as seamless as can be.

Sign up with bunq

Revolut: Best for international banking and money transfers

revolut-square-logo-bank-netherlands

With multi-currency accounts, competitive rates, and speedy transfers, Revolut is ideal for managing your money across borders.

You can even open a personal bank account for free, though paid plans offer greater perks like 20% off on all international transfers.

Sign up with Revolut

N26: Best bank that doesn’t require a BSN

teal-coloured-n26-bank-logo

Offering hassle-free online banking, N26 is an excellent option for bank account holders who want comprehensive spending insights, built-in investment features, and zero foreign transaction fees.

Though N26 only offers German IBANs, it does come with a major pro over other banks: you never need a BSN to open and use an account.

Sign up with N26

ABN AMRO: Our top pick for a traditional bank

abn-amro-dutch-bank-logo

Despite being a traditional Dutch bank, ABN AMRO offers a service tailored to internationals — complete with English-language support and a super-handy banking app.

And while plans start from €4.30 per month for a bank account and debit card, you have the freedom to choose add-ons (like a credit card!) to complement your package.

Sign up with ABN AMRO

Looking for a different bank? We’ve got a comprehensive list of the other Dutch banks below. (You might also like to glance at our guide on the top banks for internationals in the Netherlands, too! 😉)

Other banks in the Netherlands:

Banks for expats in the Netherlands

The question you really want to be answered is: which bank is best for expats?

Some Dutch banks, like ING, offer a lot of information in English, which is a massive bonus. There are also great online banks which are well-suited for expats, such as the popular Revolut, N26, and bunq.

When researching your bank, check whether they offer any information or apps in English.

If they don’t, and your Dutch isn’t up to scratch, you’re best sticking with an English-friendly one for now.

Getting a credit card in the Netherlands

You won’t see people carrying multiple credit cards around in the Netherlands like you would in some other countries.

The stereotype of the Dutch is that they are frugal and careful with their money.

READ MORE | The best credit cards for expats in the Netherlands

As a result, you’ll find that people aren’t lax when it comes to spending money that they don’t have.

This also makes it harder for you to obtain a credit card — they won’t just hand them out left, right, and centre.

Only if you prove that you are reliable with your money and earn enough will you be able to obtain a credit card.

Make sure you pay up at the end of the month; you don’t want all that interest piling up!

woman-pays-for-drink-and-snack-with-credit-card-to-do-banking-in-the-netherlands
Despite their many benefits, credit cards are not very popular in the Netherlands. Image: Depositphotos

Remember, even if you have a Dutch credit card, it still likely won’t be accepted in the majority of shops or even online stores (which often prefer iDEAL).

You will be able to use it for large purchases, online shopping from other countries, or the rare webshops where you can use a credit card.

Payment and money transfer systems in the Netherlands

Need to pay for something online? Or perhaps you owe a mate for that lunch that they paid for?

Here’s how you can get money from your account into other people’s — or vice versa.

iDEAL | Wero

iDEAL is a payment platform primarily used for online payments in the Netherlands.

You can use iDEAL to check out of a webshop in the same way you would normally use a credit card.

READ MORE | From iDEAL to Wero: what the new European payment system means for your Dutch business

The system uses your phone’s banking app to scan a QR code on the webpage and authorise the payment.

Then, the correct amount of money is automatically and instantly transferred to the webshop’s bank account — and your purchase is on its way!

Good to know: The Netherlands is in the process of switching from iDEAL to a new European payment system (Wero), with an expected completion date of late 2027.

Tikkie

Speaking of using your phone, you can also use the Tikkie app to request funds from your friends, pay your friends for requests they’ve made, or even pay for goods at small markets!

Be warned, though — you’ll need a Dutch phone number to use Tikkie.

Pssst! Need a Dutch phone number? Check out our top tips for mobile phone networks in the Netherlands!

Payment requests can be sent through WhatsApp contacts. At markets, you may also be able to scan a QR code instead.

Again, this system utilises iDEAL, but it is specifically developed to handle payments between friends (and in some cases, business owners).

READ MORE | Tikkie etiquette: the do’s and don’ts of asking for money in the Netherlands

So if you want your money back for that frikandelbroodje you bought for your friend last week, Tikkie is also a great option.

Don’t have Tikkie? Most Dutch banks will allow you to create a “payment request” from their apps too.

girl-using-Tikkie-on-phone-for-banking-in-the-netherlands
The Dutch looove Tikkie. Image: DutchReview/Canva

There’s also a joke that the system makes it easier for your Dutch friend to send you a payment request for that 50-cent can of cola that you owe them.

Trust me, it’s going to happen at least once when you arrive here.

Banking in the Netherlands doesn’t have to be confusing when you first arrive. Start researching, read our guides, and you’ll be well on your way to understanding the Dutch banking system.

Any other tips about banking in the Netherlands? Questions? Throw them in the comments below!

These places in the Netherlands will give you free stuff on your birthday

Lyna Meyrer 🇱🇺
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3
These places in the Netherlands will give you free stuff on your birthday

Is it your birthday? Gefeliciteerd! Birthdays are a big deal, and what better way to celebrate than with some free goodies? 🎉

The Netherlands has a variety of places that shower you with complimentary (or discounted) treats and experiences on your special day.

READ MORE | 9 Dutch birthday traditions that’ll confuse the heck out of internationals

So, whether you want a big birthday bash or a party for one, let slip that it’s your birthday to one of these establishments, and you’ll walk away with complimentary goodies (just make sure to bring your ID to prove it’s your big day!).

Doughnuts, coffee, clothes, pizza, and more

Ready to score some goodies? You have plenty of options. The only thing to note is that many places may require you to download their app on your phone. But hey, that’s a small price for a free gift, right?

READ MORE | 11 money-saving hacks for life in the Netherlands

Here’s a list of what you can get on your birthday, where you can get it, and how you should go about it.

Where?What?How?
HEMAFree birthday tompouceJoin their loyalty program.
StarbucksFree birthday treatSign up for their loyalty program.
La PlaceFree piece of pieSign up for La Place Extra’s.
Efteling Theme ParkAround €12 off per ticket (on 2 to 6 tickets)Subscribe to their newsletter.
Jumbo20% off fresh Jumbo cake, plus a separate free productShow your ID at the checkout.
New York PizzaFree birthday treatBecome a PizzaPunten member and add your date of birth.
LidlFree productSign up for Lidl’s loyalty program.
KruidvatFree product, which changes periodicallyAvailable for Kuidvat loyalty program members.
RitualsA small gift, but only with a purchaseJoin the Rituals program.
H&MBirthday discountsBe an H&M member.
McDonald’sFree hamburger, McFlurry, or nuggetsSign up on the McDonald’s app.
photo-of-woman-eating-doughnuts-birthday-freebies-in-the-netherlands
Doughnuts are great, but FREE doughnuts? Unbeatable. Image: Depositphotos

Tips for enjoying your birthday freebies in the Netherlands

Wanna make the most of your birthday freebies in the Netherlands? We’ve got some extra tips for you. 👇

  • Spread the love: If you’re celebrating with friends, many places allow you to share your birthday treats — just check first!
  • Sign up early: Many places require you to join their loyalty programs in advance, so don’t wait until the last minute!
  • Check for restrictions: Some offers might come with specific terms, like a minimum purchase, so read the fine print.

With so many options for free goodies, your birthday in the Netherlands can be both a joy and a budget-friendly affair.

So, gather your friends, indulge in some treats, and make the most of your special day. Here’s to another trip around the sun! 🎁

Are you going to capitalise on these birthday gifts when it’s your time to blow out the candles? Let us know in the comments!

Sick of low Dutch savings rates? Here are 3 ways to grow your funds faster

Liana Risseeuw 🇱🇰
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0
Sick of low Dutch savings rates? Here are 3 ways to grow your funds faster

If you’re tired of low Dutch savings rates, these are the best and fastest ways to grow your funds, from high-yield savings accounts to fixed-term deposits and investing.

If you’ve got a standard savings account in the Netherlands, chances are you’re leaving a significant amount of money on the table without realising it.

Here are three ways to grow your savings faster in the Netherlands, from the lowest-risk option to the highest potential return.

1. Open a high-yield savings account

Many digital savings platforms peg their savings rate directly to the ECB deposit facility rate (currently at 2.25%), while traditional banks typically offer a fraction of that.

Some may even offer higher promotional rates to welcome new customers, giving your initial deposit a much-needed boost.

In practice, high-yield accounts work exactly like a standard spaarrekening (savings account): your money is accessible whenever you need it, and deposits up to €100,000 are protected under the EU depositogarantiestelsel (deposit guarantee scheme).

freelancer-in-netherlands-transferring-funds-to-her-high-yield-savings-account-on-her-mobile-banking-app
Not all savings accounts are equal — some will give you a much higher return on your deposits. Image: Magnific

The only difference is that you’re earning much higher interest per month, instead of letting inflation lower the overall value of what you’ve saved up.

Sick of watching your savings flatline? Investment platform Trade Republic is currently paying new customers in the Netherlands 3% per year on their cash up to €50,000 with cash above this receiving the ECB rate.

Want to enjoy higher interest for longer? Their fixed-income products let you lock in interest above the ECB rate for years from just €1, with quarterly payments on your investments. And for long-term growth, you can access thousands of stocks and ETFs for a flat €1 trading fee.

Learn more

2. Lock in a better rate with a fixed-term deposit

A termijndeposito (or fixed-term deposit) pays a fixed, guaranteed rate in exchange for leaving your money untouched for a set period.

Many internationals in the Netherlands assume that means locking your money away for years, possibly even a decade.

However, the reality is that terms can start from as little as one to three months, with many providers allowing you to choose how long you’d prefer to set your money aside.

Current rates on fixed-term deposits available in the Netherlands may reach upwards of 3% per year. Just pick a term that matches when you’ll actually need the money — one month, three months, or even twelve — and lock in your interest rate.

Your money stays protected under the same EU deposit guarantee scheme throughout the term.

3. Put your money to work by investing it

When you invest in a broad index fund or ETF, your money isn’t earning a fixed rate. It’s tracking the performance of various companies at once, giving you the chance to earn more than the measly 1.5% or so that you’d earn from a traditional Dutch savings account.

READ MORE | Investing in the Netherlands: 6 great apps for getting into stocks in 2026

You just set an amount, choose a fund, and let it compound.

man-transferring-funds-to-his-dutch-mobile-investment-app-while-on-his-coffee-break
Most apps are so user-friendly that you can even start investing while on your coffee break. Image: Magnific

And there’s a practical upside, too, as you can start small. Many platforms available in the Netherlands let you invest from €1, and automated monthly plans mean you don’t need to think about timing.

If you need your money within the next year or two, a high-yield savings account or short-term termijndeposito is likely to be a more practical fit.

However, if you don’t mind setting aside a chunk of cash for a couple of years and want the highest potential return on your funds, investing is a solid option.

Do you have any handy tips for growing your savings? Share them in the comments below.

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