Essential Guide for Expats Wanting to Move to the Netherlands

Why Move to the Netherlands?

The Netherlands is a global hub for talent, innovation, and culture. Year after year, it ranks among the world’s top countries for expats, offering a unique mix of economic opportunity and social stability.

With a strong, diverse economy and a highly educated workforce, the country attracts professionals from sectors like tech, finance, engineering, healthcare, and creative industries. Major cities like Amsterdam, Rotterdam, Eindhoven, and The Hague are home to international headquarters and vibrant startup ecosystems.

What sets the Netherlands apart is its progressive social policies, high-quality public services, and emphasis on work-life balance. The Dutch lifestyle values efficiency, equality, and personal time, making it easier to thrive both professionally and personally.

The infrastructure is world-class, from high-speed trains and cycle paths to digital government services. The country is also a gateway to Europe, with convenient access to major cities like Paris, London, and Berlin.

The Netherlands is known for being:

• Safe and family-friendly, with low crime rates and excellent healthcare
• Multilingual, where over 90% of people speak English fluently
• Sustainable, investing heavily in green energy, cycling culture, and eco-conscious living
• Culturally rich, with world-class museums, music festivals, and a lively expat social scene. Dutch culture embraces openness, equality, and direct communication, balanced by a strong sense of community and celebration of both modern and historic values
• Home to one of the best education systems in Europe, the Netherlands is internationally recognised for excellent schools, top-tier universities, and quality higher education, attracting students and academics from around the globe.

Whether you're relocating for work, study, or a new adventure, the Netherlands offers a solid foundation and an open door to opportunity.

What makes the Netherlands attractive for expats?

Moving abroad is a big decision, and the Netherlands ticks many boxes for professionals and families alike. From career opportunities to a welcoming international environment, here’s why so many expats choose to call the Netherlands home:

• Job Opportunities: The Netherlands is a hub for industries like technology, finance, logistics, and life sciences. Many international companies have offices in cities like Amsterdam, Rotterdam, and Eindhoven.
• English Proficiency: The Dutch are among the best non-native English speakers in the world, making it easier for expats to integrate and find work. Over 90% of Dutch people speak English.
• Central European Location: With quick train and flight access to major European cities, the Netherlands is perfectly placed for travel.
• Efficient Public Services: Public transport, digital government services, and infrastructure are world-class and user-friendly.
• Support for Expats: Many local governments and organisations offer support programs, such as IamExpat and Holland Expat Center South.

How does the quality of life in the Netherlands compare to other countries?

The Netherlands regularly scores high in global quality of life indexes. Factors include:

• Healthcare: Ranked among the best in Europe, with accessible and high-quality care.
• Safety: Low crime rates and a strong social safety net.
• Education: Excellent public and international school options.
• Environment: Clean cities, green spaces, and a strong cycling culture contribute to well-being.

According to the OECD’s Better Life Index, the Netherlands performs well in income, housing, education, and personal security compared to other developed nations.

What cultural aspects should expats be aware of before moving?

• Direct Communication: Dutch people are known for being direct and honest—this isn’t rude, it’s cultural.
• Work-Life Balance: The average Dutch workweek is around 36 hours. Time with family and personal well-being is highly valued.
• Cycling Culture: Bicycles are a primary mode of transport. Dedicated bike lanes and traffic systems make it easy and safe.
• Punctuality Matters: Being on time for meetings and appointments is expected in both social and professional settings.
• Informal Social Norms: Workplaces are often flat in hierarchy, and people are addressed by their first names, even in business settings.

Understanding and respecting these cultural traits can help expats adjust more smoothly to life in the Netherlands.

How to Relocate to the Netherlands

Relocating to the Netherlands takes planning, especially if you're moving from outside the EU. From getting the right visa to securing a place to live, here’s what you need to know to make your transition smooth.

What steps are involved in the relocation process?

Relocating to the Netherlands involves a few important steps:

1. Check visa requirements:

• EU/EEA citizens can live and work in the Netherlands without a visa.
• Non-EU/EEA citizens typically need to apply for a visa or a residence permit, such as MVV (provisional residence permit).
• Use the IND (Immigration and Naturalisation Service) site to find out what applies to you.

2. Secure a job offer or university placement:
   Many work-related visas require sponsorship by a Dutch employer registered with the IND.

3. Apply for your residence permit:
   Applications can be submitted by your employer or yourself, depending on the type of visa you're able to apply for.

4. Arrange health insurance:
   You must get Dutch basic health insurance within 4 months of registering in the Netherlands.

5. Register at the municipality (gemeente):
   Once you arrive and have a permanent address, register to get your BSN (citizen service number)—this is essential for working, opening a bank account, and more. It's best to do this shortly after your arrival in the Netherlands.

How to find accommodation when moving to the Netherlands?

"If you’re looking for a place to live, the Dutch housing market can be competitive, especially in cities like Amsterdam and Utrecht. Here’s how to start:

• Use housing platforms:
  Websites like Funda, Pararius, and Expatica Housing list rentals.

• Consider temporary housing:
  Use short-stay platforms such as HousingAnywhere or Airbnb while looking for something long-term.

• What to expect:

• Most rentals require a deposit of one or two months' rent.

• Properties may be furnished, semi-furnished, or unfurnished.

• It’s common to work with a rental agent (fees may apply).

What essential documents do you need for relocation?

Before and after arriving, be prepared to provide these key documents:

• Valid passport or ID card
• Employment contract or university admission letter
• Birth certificate (translated and legalised if necessary)
• Proof of address in the Netherlands
• Health insurance policy
• Marriage or partnership certificate (if relocating with a partner)

Having these documents ready will make registering at the municipality and applying for permits much easier. For more official information, visit official website of the Dutch Government: government.nl – Living in the Netherlands.

Registration and Residence Permit in the Netherlands

Once you arrive in the Netherlands, taking care of your registration and residence permit promptly will ensure a smooth start to your new life. Proper registration is mandatory for all newcomers, while specific permits depend on your nationality and reason for stay. Here’s what you need to know:

How to register with the municipality upon arrival?

You must register at your local municipality (gemeente) within five days of your arrival. Registration provides you with a Citizen Service Number (BSN), which is essential for accessing healthcare, opening a bank account, and securing employment. To register, visit your gemeente office with your passport or ID, proof of address (like a rental agreement), and any necessary visa or residence documents.

What is a residence permit and how do you obtain one?

A residence permit allows non-EU/EEA citizens to legally stay in the Netherlands for more than 90 days. Residence permits are managed by the Immigration and Naturalisation Service (IND). Different permits are available depending on your reason for moving, such as employment, studying, or joining family members. It’s important to apply for the correct permit and ensure all documentation is submitted accurately, timely and meet the requirements set by the Dutch authorities.

Do expats need a visa to live in the Netherlands?

EU/EEA nationals can freely live and work in the Netherlands without needing a visa or residence permit. However, if you’re a non-EU citizen, you will typically require a visa or residence permit, such as:

• Provisional Residence Permit (MVV): Needed before arrival for most non-EU nationals planning a long-term stay.

• Highly Skilled Migrant Visa: For specialized professionals sponsored by employers.

• Student or Partner Visas: For education or family reunification purposes.

You can use an Employer of Record in the Netherlands for more detailed information on visa support.

Working in the Netherlands: Visas and Work Permits

Understanding visa and work permit options is essential if you plan to relocate and build your career in the Netherlands. Whether you're joining a company, starting your own business, or seeking opportunities after graduation, here's an overview of the most common permits available to expats.

What types of work permits are available for expats?

Before starting your employment in the Netherlands, it's essential to know the most common work permits:

• EU Blue Card: Suitable for highly educated non-EU citizens with a job offer and minimum monthly salary (€5,688 standard, €4,551 for shortage occupations like IT, engineering, medicine).
• Single Permit (GVVA): Combines work and residence permits, initiated by the employer through the Immigration and Naturalisation Service (IND).
• Highly Skilled Migrant Permit: For specialists or knowledge workers with competitive salaries (€4,500+ monthly if over 30, €3,299 if under 30).
• Orientation Year Permit: Allows recent graduates a year to find employment.
• Essential Start-up Personnel Permit: Designed for innovative startups, requiring specific criteria regarding company scalability, financial health, and employee compensation.
• Self-employed Permit: Entrepreneurs and freelancers must demonstrate their business is innovative, essential, and economically beneficial to the Netherlands.

How to navigate the immigration and naturalisation service?

Visit the official IND website for comprehensive guidance. Use the IND Residence Wizard to find the appropriate permit. Employers must typically initiate the permit process and may need to become recognised sponsors.

What qualifications are needed to work in the Netherlands?

To work in the Netherlands, you’ll need a valid job offer from a recognised Dutch employer. Your educational qualifications must also be recognised locally. For regulated professions like healthcare, law, or education professional registration is required. For example, healthcare workers must register with the BIG Register to legally practice in the country.

In-demand fields include:

• IT and software development
• Engineering
• Finance
• Life sciences

Many positions require a university degree, relevant experience, and English proficiency. Some roles may also need Dutch language skills.

Healthcare and Insurance for Expats in the Netherlands

One of the first things you’ll need to sort out is health insurance. The Dutch healthcare system is known for its high quality, but it operates differently from what many expats might be used to. Here's what you need to know to get started.

What is the healthcare system like in the Netherlands?

The Netherlands has a universal healthcare system that offers excellent medical services. Healthcare is funded through mandatory health insurance, and everyone living or working in the country is required to have coverage. The system is a mix of public regulation and private insurance, giving residents access to GPs, hospitals, and specialists through their health insurance providers.

How to choose the right Dutch health insurance?

Choosing a health insurance provider (zorgverzekeraar) depends on your needs and budget. All providers offer the same basic coverage, but you can also add supplementary plans for things like dental care, physiotherapy, or alternative medicine. Compare prices and coverage on independent websites to find the best fit. Keep in mind: premiums vary slightly, but coverage for basic care is standardised.

What is basic health insurance and who needs it?

Basic health insurance (basisverzekering) is required for all residents and workers in the Netherlands, including expats staying longer than four months. It covers standard medical care like GP visits (general practitioner or huisarts in Dutch), hospital care, and prescribed medication. You must take out a policy within four months of registering with your local municipality, or you may face fines. Even if your employer provides private insurance, you still need Dutch basic insurance. Supplementary insurance may be necessary if you require dental care, physiotherapy, or alternative treatments.

Setting Up Your Life in the Netherlands

Once you arrive, taking care of practical matters like banking, mobile service, and registration will help you settle in quickly. Here’s what every expat should know to build a smooth foundation for daily life in the Netherlands.

How to open a bank account as an expat?

To open a Dutch bank account, you’ll need your passport, proof of address, and a Citizen Service Number (BSN). Popular banks like ING, ABN AMRO, Rabobank, and Bunq have expat-friendly services in English. You can start the process online or visit a local branch.

What phone plans are available for newcomers?

Major providers such as Vodafone, KPN, T-Mobile, Lebara, and Lycamobile offer flexible plans, including prepaid and monthly subscriptions. These plans usually have generous data, calls, and text allowances, and many providers offer English customer support.

How to get a citizen service number (BSN) and why is it important?

Your BSN is essential for opening bank accounts, employment, healthcare, and taxes. Get your BSN by registering at your local municipality (Gemeente). Bring your passport, proof of address, and residence permit (if applicable). You'll usually receive your BSN immediately or within a few days.

FAQs

Do I need to speak Dutch to live and work in the Netherlands?

No, Dutch isn't mandatory for daily life or work in many industries, especially in international companies. Most locals speak excellent English. However, learning Dutch can greatly improve your experience, help you integrate faster, and increase your chances of landing local job opportunities. Free and low-cost courses are widely available.

Can I open a Dutch bank account without a BSN?

Typically, banks require a BSN (Citizen Service Number). However, some banks like Bunq allow expats to open an account temporarily without it, as long as you provide the BSN within a few weeks after registration.

How quickly do I need to get health insurance after arriving?

You must get Dutch basic health insurance within four months of registering at the municipality. Failing to do so can result in fines. You can compare providers and coverage options at Zorgwijzer.

Is it difficult to find housing in the Netherlands?

Yes, especially in cities like Amsterdam, Utrecht, and The Hague, the housing market is competitive. It’s wise to book short-term accommodation before arrival while searching for a long-term rental.

Can my partner or family move with me?

Yes, family reunification is possible. Spouses, registered partners, and children may be eligible for a dependent residence permit, depending on your visa type and income level. Visit the IND website for detailed eligibility and application steps.

Is public transport reliable and affordable in the Netherlands?

Absolutely. Dutch public transport is among the best in Europe. Trains, trams, buses, and metros are well-connected and punctual. An OV-chipkaart lets you access all modes of transport with a single rechargeable card. Monthly travel costs vary by city but are generally reasonable.

What is the 30% ruling for expats?

The 30% ruling is a tax advantage for highly skilled expats moving to the Netherlands for work. If eligible, you can receive up to 30% of your gross salary tax-free for up to five years. Learn more on the Belastingdienst (Dutch Tax Authority) website.

What’s the cost of living in the Netherlands?

It varies by region. Cities like Amsterdam and Utrecht are known for their high cost of living, especially for rent. On average, expect monthly expenses of €1,500–€2,500 for a single person, depending on lifestyle and location. Everyday expenses like groceries in the Netherlands are affordable if you shop at popular supermarkets.

Read more about Dutch Employment Laws on [Rivermate.](https://www.rivermate.com/blog/complying-with-employment-laws-in-the-netherlands)

Check out: Netherlands Visas and Work Permits in 2025: The Full Guide on Rivermate.