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Moving to the Netherlands: A Guide for Expats and Digital Nomads

Worker experience

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Deel Team

Published

October 19, 2023

Last Update

January 31, 2025

Table of Contents
Key takeaways

1.With its solid economy and high standard of living, the Netherlands is a sought-after destination for expats. 2.Applying for a residence permit and securing employment in the Netherlands requires careful research and planning. 3.Deel’s step-by-step guide helps you navigate the Dutch residence permit process and smoothly transition into your new home.

The Netherlands, known for its picturesque canals, rich history, and progressive society, is an increasingly popular destination for expats and digital nomads. The country boasts a high quality of life, excellent infrastructure, and a strong economy, making it an attractive place for skilled workers from all over the world.

The country’s strategic position and well-developed digital infrastructure make it particularly appealing for remote workers. Furthermore, the Netherlands offers a harmonious blend of opportunities in cutting edge industries with a strong focus on quality of life, providing a unique environment for both work and leisure.

Beyond its traditional economy centered on trade, logistics, and agriculture, the Dutch government has also introduced initiatives to foster innovation and entrepreneurship, making it more accessible for foreign entrepreneurs and digital nomads.

However, moving to the Netherlands requires careful planning, particularly in understanding visa requirements, local customs, and the high cost of living. With the right preparation, the Netherlands can be an ideal base for expats and digital nomads looking to experience life in one of Europe’s most vibrant countries.

Step 1: Before moving to the Netherlands: Prepare your documents

Before embarking on your journey to the Netherlands, it’s essential to ensure you have the necessary documents to live and work in the country legally.

Visa requirements for expats and digital nomads in the Netherlands

EU/EEA and Swiss citizens
If you are a citizen of an EU/EEA country or Switzerland, you do not need a visa or residence permit to live, work, or study in the Netherlands. However, you must register with the local municipality (gemeente) after your arrival.

Visa requirements for non-EU/EEA citizens
For non-EU/EEA citizens, obtaining a Dutch residence permit is mandatory if you plan to stay in the country for more than 90 days. The residence permit allows you to reside in the Netherlands for an extended period, work legally, and access local services.

Application process

The application process for a residence permit usually involves submitting various documents, including a valid passport, proof of income, health insurance, and the completed application form. Your employer or sponsor typically handles this process if you are applying through them.

Duration and renewal

Residence permits in the Netherlands are generally issued for one to five years, depending on the type of permit. It’s important to renew your permit before it expires to maintain legal residency.

It’s crucial to initiate the residence permit application process shortly after your arrival in the Netherlands, preferably within the first 90 days. During this period, you should also register with the local municipality and obtain a citizen service number (BSN), which is essential for accessing public services.

Securing a residence permit is an essential step for expats and digital nomads aiming to establish themselves in the Netherlands, offering the benefits of legal residency, work authorization, and access to local services.

Visa types in the Netherlands

The Dutch government offers a range of visas designed to accommodate different categories of foreigners:

  • Tourist visa: For short-term stays of up to 90 days, this visa is typically for tourism, visiting family or friends, and business trips. Many nationalities are eligible for visa-free entry into the Schengen Area, which includes the Netherlands.
  • Residence permit: Required for long-term stays, this permit is necessary if you plan to live in the Netherlands for more than 90 days. It allows you to legally reside and work in the country. There are a number of variants of this permit, depending on the reasons for immigration, so make sure you apply for the correct one.
  • Highly skilled migrant permit: Issued to expatriates who have a job offer from a recognized Dutch employer for a role, or in a field for which there is strong demand in the country The employer sponsors the permit and handles the application process. This permit allows the holder to live and work in the Netherlands with beneficial tax conditions.
  • Startup visa: For entrepreneurs who plan to launch a startup in the Netherlands. You must meet specific criteria and have a recognized facilitator to support your business.
  • Student visa: For those who plan to pursue higher education in the Netherlands, this visa is granted upon acceptance to a recognized Dutch educational institution.
  • Family visa: For family members of expatriates residing in the Netherlands. This visa allows spouses, children, and sometimes parents to join their relatives living in the Netherlands. The primary resident must meet income and accommodation requirements to sponsor family members.
  • Working Holiday Visa: Available to young people from specific countries, this visa allows you to live and work in the Netherlands for up to one year under the working holiday program.

Visa sponsorship

For most non-EU/EEA nationals, obtaining a work visa or residence permit in the Netherlands typically requires sponsorship from an employer, unless you are applying for a startup visa or a working holiday visa. The sponsoring employer initiates the visa process, providing the necessary documentation to the Dutch authorities on your behalf.

Moving to the Netherlands: Essential document checklist

It's crucial to gather all necessary documents early in the Dutch visa application process to prevent delays or complications. Depending on the type of visa you are applying for, you may need the following:

Valid passport: Your passport should be valid for at least six months beyond your intended stay in the Netherlands and have at least two blank pages.
Passport-sized photos: Standard dimensions are 35mm by 45mm, and the photo should be recent, taken within the last six months.
Visa application form: Download, complete, and sign the form based on your specific visa type.
Proof of outbound travel: This can be a confirmed return ticket or onward travel booking.
Health insurance: It's mandatory to have Dutch health insurance during your stay in the Netherlands, which may be required for visa approval.
Proof of accommodation: You must provide details of where you will be staying in the Netherlands, such as a rental agreement or hotel booking.
Proof of employment: For a work visa, you'll need to submit your job offer or contract as proof of employment in the Netherlands.
Criminal record check: Certain visas may require a police clearance certificate to verify you have no criminal background.
Educational certificates: If relevant to your visa type, you may need to provide certificates of your academic qualifications.
Financial records: Documentation showing that you have sufficient funds to support yourself during your stay in the Netherlands, such as bank statements, may be necessary.
Marriage and birth certificates: If you are relocating with your family, you’ll need to provide these certificates for their dependent visas.

Importance of authenticating and translating documents in the Netherlands

Having your documents translated into Dutch and authenticated is crucial for the Dutch authorities. Some documents may also require attestation by your home country’s Ministry of Foreign Affairs and the Dutch embassy.

Step 2: Manage your finances in the Netherlands

The Netherlands offers a strong economy and a high quality of life, but it also comes with a cost of living that may be higher than what some expats are accustomed to, especially in cities like Amsterdam. Here’s how to effectively manage your finances in the Netherlands:

Cost of living in the Netherlands

Here’s what you can expect in terms of living costs in the Netherlands: Renting: A one-bedroom apartment in central Amsterdam can cost around €1,500-€2,000 per month, while in less central areas or other cities like Rotterdam or Utrecht, prices may drop to approximately €1,000-€1,500.

Buying property: The real estate market in the Netherlands is competitive, with prices varying significantly by location. Additional costs include legal fees, property registration fees, and possibly agent commissions, which can total around 5-10% of the purchase price.

Food and drink: Groceries in the Netherlands are generally moderately priced. Shopping at supermarkets like Albert Heijn or Lidl offers a range of options. Dining out at a mid-range restaurant might cost around €50-€70 for two people.

Transport: The Netherlands has an excellent public transportation system, with a monthly pass for buses, trams, and metros costing around €90-€110, depending on the city. Cycling is a popular and affordable option, and car ownership, while possible, should consider the costs of parking, fuel, insurance, and road taxes.

Utilities: Utilities in the Netherlands, including electricity, water, and heating, can cost between €150-€250 per month, depending on the size of your accommodation and usage. Internet and TV packages generally cost around €40-€70 monthly.

Taxation

The Netherlands has a progressive tax system, with income tax rates ranging from 9.28% to 49.5%, depending on your income level. However, expats may benefit from the 30% ruling, a tax advantage for highly skilled migrants, which allows eligible workers to receive up to 30% of their gross salary tax-free for up to five years.

It’s crucial to understand your tax obligations, and whether any double taxation agreements apply, especially if you have income from other countries.

Banking and currency exchange

To open a bank account in the Netherlands, you’ll typically need your BSN (Burgerservicenummer), passport, and proof of address.

Most banks in the Netherlands offer services in English, and you’ll find several international banks with branches in major cities.

The currency in the Netherlands is the Euro (EUR). Currency exchange services are widely available, but for the best rates, consider using ATMs or bank services that accept international cards, as these often offer more favorable exchange rates.

Managing your finances wisely in the Netherlands will ensure you enjoy the benefits of the country’s high standard of living while navigating its cost structure effectively.

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Step 3: Arrange housing and accommodation in the Netherlands

Securing the right accommodation is a crucial step in your relocation to the Netherlands, as it affects not only your comfort but also legal matters, such as registering with the local municipality.

Renting vs. buying

Both renting and buying property are options available to residents in the Netherlands, though property ownership has some complexities and additional costs that should be carefully considered.

Renting: Renting is the most common option for expats in the Netherlands, especially in cities like Amsterdam, Rotterdam, and The Hague. The rental market offers a range of options, from modern apartments to historic canal houses. When renting, you'll typically need to provide proof of income, a copy of your BSN, and sometimes a deposit equal to one to two months' rent. Lease agreements usually run for one year, and rents are often paid monthly.

Buying property: Buying property in the Netherlands is possible for expats, though it’s essential to understand the mortgage system and the additional costs, such as transfer tax (2% for residential properties), legal fees, and maintenance costs. Foreigners can buy property without restrictions, but consulting a mortgage advisor familiar with expat situations is recommended.

Finding suitable housing

The Netherlands offers a variety of housing options, from modern apartments in urban areas to charming homes in suburban neighborhoods. Websites like Funda.nl and Pararius.com are excellent resources for finding available properties.

For expats, key considerations include proximity to work, international schools, shopping centers, and public transportation. Many expat families prefer areas like Amsterdam Zuid, The Hague’s Statenkwartier, and Utrecht’s city center due to their amenities and international community feel.

Once you've selected a property, carefully review the lease agreement, which should include:

  • Property description: A detailed overview of the property's features.
  • Rental amount and payment details: Information on how and when rent is to be paid.
  • Security deposit: Usually equivalent to one or two months' rent.
  • Lease duration: Terms may be fixed for one year or longer.
  • Maintenance responsibilities: Clarify who is responsible for repairs and maintenance.
  • Policies on pets and subletting: Some properties have restrictions on pets or subletting.

Understanding these aspects will help you secure the best possible living arrangement in the Netherlands, making your transition smoother and ensuring a comfortable and enjoyable expat experience.

Dutch housing crisis In recent years there has been an increasing shortage of housing, especially in major cities and the populous Randstat. Securing housing can be very difficult, and must be planned well in advance.

Step 4: Job market and working arrangements in the Netherlands

The Netherlands’ job market is robust, with significant opportunities in sectors like technology, finance, engineering, healthcare, logistics, and creative industries. The country's strong emphasis on innovation, sustainability, and digital transformation also creates new opportunities in fields like renewable energy, e-commerce, and tech startups.

The average monthly income in the Netherlands can vary widely depending on the industry and your level of expertise. Generally, salaries are competitive, and many expats enjoy additional benefits such as housing allowances, relocation assistance, and in some cases, education allowances for children. Job seekers can explore employment opportunities through platforms like LinkedIn, Undutchables, and Expatica Jobs.

Remote work: The Netherlands is highly supportive of remote work, particularly after the COVID-19 pandemic accelerated global remote working trends. Many companies offer flexible work arrangements, making it an attractive destination for digital nomads and remote workers.

Work culture: The Dutch work culture is characterized by a focus on work-life balance, direct communication, and a flat organizational structure where hierarchy is less pronounced. Punctuality is highly valued, and meetings are often efficient and to the point. While Dutch is the official language, English is widely spoken, especially in business settings, making it easier for expats to integrate into the workforce. However, learning Dutch can be advantageous for career growth and social integration.

Step 5: Accessing healthcare and education in the Netherlands

Healthcare system

The Netherlands boasts a high-quality healthcare system, known for its accessibility and efficiency. All residents, including expatriates, are required to have health insurance. The Dutch healthcare system operates on a dual-level basis: primary care, which is accessible through general practitioners (GPs), and secondary care, which includes specialist services and hospital care.

Public healthcare is widely accessible, and most residents opt for basic health insurance (basisverzekering), which covers essential medical care. Expatriates often choose additional private health insurance for more extensive coverage, including dental care and alternative treatments.

Education options

The Netherlands offers a diverse range of educational options, catering to both local and expatriate families. Public schools are free for residents, including expats, and are known for their high educational standards. These schools follow the Dutch curriculum, and children are typically taught in Dutch.

For expat families, there are numerous international schools across the country, offering curricula such as the International Baccalaureate (IB), British, American, and others. These schools are popular for their multicultural environment and English-language instruction.

The Netherlands is also home to world-renowned universities and higher education institutions, such as the University of Amsterdam, Delft University of Technology, Erasmus University Rotterdam, and Leiden University. These institutions offer a wide range of undergraduate and postgraduate programs, many of which are taught in English, attracting students from all over the world.

Step 6: Ensuring your safety in the Netherlands

The Netherlands is considered one of the safest countries in the world, with low crime rates and a high standard of living. The country’s political stability and efficient law enforcement make it a secure environment for both residents and expatriates. While the risk of serious crime is minimal, it's advisable to take standard precautions, particularly in busy urban areas or large events.

The country has a well-developed emergency response system, and natural disasters are rare. However, the Netherlands does have advanced flood management systems due to its low-lying geography, ensuring the safety of its residents.

Emergency Contacts and Protocols

In case of an emergency, dial 112, the national emergency number in the Netherlands, which is free to call and connects you to medical, fire department, or police services. Operators typically speak English, and it’s important to familiarize yourself with your neighborhood’s location and nearby hospitals or clinics for quicker response times.

Step 7: Embracing Dutch culture

Dutch customs: The Dutch are known for their directness, which is often appreciated in both social and professional contexts. Handshakes are common as a greeting, and it’s important to address people by their title and last name unless invited to use their first name. The Dutch value egalitarianism and this is reflected in their social interactions and workplace culture.

Dress codes: The Netherlands has a fairly casual dress code, with business attire being more relaxed than in many other countries. In professional settings, smart-casual is often acceptable, although more formal attire may be expected in corporate environments. Day-to-day wear is generally informal and comfortable, suitable for the country’s often unpredictable weather.

Social norms: Punctuality is crucial in Dutch culture, and being late to appointments or meetings is frowned upon. The Dutch value privacy and personal space, so it's important to respect boundaries in social interactions. While the Dutch are straightforward, politeness and respect are still important, especially in new social situations.

Leisure culture: The Netherlands has a rich leisure culture, with a strong emphasis on outdoor activities such as cycling, sailing, and hiking. Cities like Amsterdam, Rotterdam, and Utrecht are known for their vibrant cultural scenes, including museums, art galleries, theaters, and music venues. The country’s café culture is also a significant part of social life, where you can enjoy a coffee or a beer with friends or colleagues in a relaxed setting.

Start your new life in the Netherlands

From the historic canals of Amsterdam to the modern architecture of Rotterdam, the Netherlands offers expats a unique blend of history, innovation, and cultural richness. With its strong economy, excellent healthcare system, diverse educational opportunities, and high quality of life, the Netherlands is an attractive destination for those seeking a new beginning.

If you’re considering a move to the Netherlands, thorough research and careful planning are key to a successful relocation. For additional support, Deel can assist organizations and their employees with the visa application process and help them navigate the complexities of finding suitable insurance plans.

Discover how Deel can help you secure a work visa, or explore the Deel blog for more insights on relocating to the Netherlands and other global destinations.

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