How to move to the Netherlands

Moving to the Netherlands is exciting, but the logistics can often feel daunting.

With a stable economy, strong public services, and widespread English fluency, life here can be both accessible and rewarding.

At the same time, the necessary planning and administrative procedures can quickly test your patience.

That’s why we’re here to guide you through the basics, and help make the process smoother.

In this guide, you’ll learn:

• Common reasons people move to the Netherlands
• Who needs a visa, and what types of visa are available for long-term stays
• How to prepare for life in the Netherlands, including housing, employment, and insurance
• What to expect after moving to the Netherlands
• Everyday essentials like transport, grocery shopping, and basic Dutch admin

By the end, you’ll know exactly what to do to make your move smoother, and your first months less overwhelming.

Let’s get started!

Why move to the Netherlands?

The Netherlands is a top destination for many, and for good reason.

If you’re looking for work, the Dutch labor market is in your favor.

Employment rates in 2024 stood at an astounding 82.3% (according to the OECD), and there’s still high demand for workers. For expats, that means more options and bargaining power in salary negotiations.

Education is also a significant pull. The Netherlands is home to a number of world-class universities, and it’s one of the few non-English-speaking countries where you can get a full education in English.

Many also move to the Netherlands thanks to their healthcare system, which is among the best in Europe. Universal coverage is the norm, and strong regulations ensure affordability and access.

These are only a few examples, and there are no doubt many more reasons to move!

Long-term visa options in the Netherlands

Who doesn’t need a visa

For EU/EEA and Swiss citizens, moving is straightforward, and no visa is needed, just municipal registration and health insurance.

Citizens from some other countries also enjoy simplified entry under special treaties:

For Americans, the Dutch American Friendship Treaty (DAFT) makes it easier to start a business or become self-employed. The process skips the complex points-based system used for most entrepreneurs.

Other nationalities like Japan, South Korea, and Canada benefit from similar agreements, reducing barriers to residence and self-employment.

For everyone else, you’ll have to apply for a long-stay visa.

Types of long-stay visa

The Netherlands offers a number of different types of visas for anyone planning to move long-term. Which one is right for you depends on the reason you’re moving.

Here’s a quick run-through:

• Employment visas are often obtained through the Highly Skilled Migrant Scheme, which requires a job offer and salary above a set threshold. Regular work permits exist too, but they’re harder to get.
• The EU Blue Card offers greater mobility across EU countries and can speed up permanent residency. To apply, you’ll need a degree, a job offer, and a salary above a certain threshold.
• Student visas require proof of acceptance at a Dutch university, sufficient funds, and health insurance. After graduation, many students choose the orientation year (zoekjaar) visa.
• Self-employment permits (including freelancers and digital nomads) require a business plan, Chamber of Commerce registration, and proof of income potential (above minimum thresholds).
• Family reunification and partner visas often require proof of family ties, like marriage or birth certificates.
• Au pair visas are for those aged 18-25, living with a host family for up to 12 months. The host covers your housing, meals, and pocket money, while you help with childcare.
• The Netherlands also offers a startup visa for innovative businesses, which requires you to work with an approved facilitator during your first year.

If necessary, the IND allows you to switch visas without leaving the country, as long as you apply before your current permit expires.

Each visa follows its own application process, so it’s best to rely on official Dutch consular websites for current details

Learn more about how to apply for a visa in the Netherlands.

Preparing for your move to the Netherlands

Before moving to the Netherlands, there are a few things to consider. Starting to think about these things early can save you unnecessary stress on arrival and help ease the transition.

Finding a job

Most expats find work through international platforms like LinkedIn, Glassdoor, and Indeed NL. For Dutch-language roles, Werk.nl is widely used.

If your degree is from abroad, Nuffic handles recognition and can confirm how it compares to Dutch qualifications.

Networking is critical. Many jobs are filled through referrals, so join international groups, attend industry events, or visit job fairs aimed at expats.

Securing accommodation

The Dutch housing market is tight. Expect long waitlists for social housing and bidding wars in major cities.

For newcomers, renting is usually the safer choice. Popular expat areas include Amsterdam Zuid, Utrecht’s city center, and The Hague’s international zones.

Tips to protect yourself:

• Verify that your landlord is registered with the municipality

• Check if your rent falls under official rent caps

• Be wary of offers that seem too good, as scams are common

Financial expectations

The highest upfront cost is rent and deposits. In Amsterdam, that often means €3,500 – €5,000 to secure a one-bedroom flat.

Beyond that, plan for at least three months of living expenses as a cushion. You can expect to spend roughly €4,000 – €6,000, depending on lifestyle and city.

Health insurance on arrival

Health insurance in the Netherlands is mandatory for all residents. Without valid coverage, you risk fines and gaps in care.

For newcomers, expat health insurance is a smart bridge. It’s visa-compliant, flexible, and can be canceled anytime once you switch to permanent Dutch coverage.

Learn more about health insurance in the Netherlands

Your first month living in the Netherlands

Moving into your accommodation

Once you’ve signed your lease, check what’s included. In many cases, you’ll need to set up utilities yourself.

You will have the choice between several energy providers, so it’s worth comparing tariffs early. Water, on the other hand, is assigned by region.

KPN and VodafoneZiggo are the most popular internet providers, and contract terms typically run for about 12 months.

Dutch apartments are also often rented unfurnished, so budgeting for basics like lighting fixtures and appliances is common.

Registering your address

You’ll need to register with your local gemeente (municipality) within five days of moving in.

This step gives you your BSN (citizen service number), which is required to open a bank account, get paid, set up health insurance, and even sign a phone contract.

If you delay registration, you risk weeks of setbacks because many services can’t proceed without it.

Opening a bank account

You’ll need a Dutch bank account for rent, utilities, and salary deposits. Without a bank account, everyday payments can become frustrating.

The main options are:

• ING and ABN AMRO: traditional banks with English-language services and in-person branches.
• Bunq: an online-only bank popular with expats for its fast setup via app.

Required documents typically include your passport, BSN, and proof of address (rental contract or registration).

Getting a phone number and an internet plan

A Dutch phone number is essential for contracts, deliveries, and work. You can choose:

• Prepaid SIM: flexible, no commitments, but more expensive long term.
• Contract plan: cheaper monthly rates, but requires a BSN and Dutch bank account.

Top providers include KPN and Vodafone. For at-home internet, expect a wait of 1–3 weeks for installation.

Transport and mobility

For trains, buses, and trams, the first step is to buy an OV-chipkaart, the rechargeable card. You’ll need it even for short trips.

Cycling is the default mode of transport, so learn the rules: use bike lights, respect traffic signals, and remember cyclists have priority in many places.

If you drive, check if your foreign license is exchangeable. Some countries have agreements, whilst others require a Dutch driving test.

Important insurances in the Netherlands

Insurance is part of daily life in the Netherlands. You must arrange Dutch health insurance within four months of registering, but we recommend doing it earlier to avoid penalties.

Other common policies:

• Liability insurance: covers accidents, such as damaging someone else’s property.

• Contents insurance: protects your furniture and electronics at home.

• Car insurance: mandatory if you own a vehicle.

Bringing family

If you plan to bring a partner or children, apply for family reunification through the IND as soon as possible.

Timelines can run several months, and you’ll need to meet the income threshold, have adequate housing, and proof of family relationship.

Your first year living in the Netherlands

Language and community

Even though nearly everyone speaks English, learning Dutch helps you connect. Many municipalities offer free or low-cost integration courses, especially if you’re here long term.

Building a social network takes time, but the Netherlands offers plenty of ways to connect:

• Expat groups in major cities organize meetups, language exchanges, and cultural outings.
• Sports clubs are everywhere. Joining a team is one of the fastest routes into Dutch social life, since clubs often mix sports with community events.
• Volunteering is another pathway. It’s a great way to practice Dutch, give back, and meet locals outside the expat bubble.

Workplace culture

Dutch workplaces may surprise you with their direct communication style. People say what they mean and make themselves clear, without being rude.

You’ll also notice a strong work-life balance, with many working four days or leaving on time to spend evenings with family.

Hierarchies are flat, so it’s normal to challenge ideas in meetings, even with managers. Once you adapt, it creates a refreshing sense of equality and openness.

Long-term & national healthcare

To access care, your first step is registering with a huisarts (general practitioner/GP). They’re the gatekeepers of the system and handle most issues.

If you need a specialist, your GP provides a referral, which is required before booking hospital care.

For emergencies, call 112 or go directly to the ER, but know that Dutch hospitals prioritize urgent cases—you may wait if it’s not life-threatening.

Pharmacies are integrated with GP systems, so prescriptions are easy to collect.

Learn more about public healthcare in the Netherlands.

Taxes & social contributions

Your first year usually means filing your first Dutch tax return. Even if your employer handles monthly withholdings, you may be eligible for refunds or allowances.

For highly skilled workers, the 30% ruling can be a big benefit. It allows certain expats to receive up to 30% of their salary tax-free for up to five years. Not everyone qualifies, so check the requirements early.

Most employers contribute to a collective pension scheme, but if you’re freelancing or planning a long stay, setting up your own plan ensures you won’t fall behind.

Education & childcare

If you’re moving with children, expect daycare costs to be one of your biggest expenses, reaching €1,500–€2,000 per month per child. However, subsidies are available if you and your partner both work.

When it comes to schools, you’ll need to choose between Dutch public schools and international schools:

• Public schools are free (apart from small parental contributions) and help children integrate quickly into Dutch society.
• International schools, on the other hand, offer English or other language curricula but come with tuition fees ranging from €5,000 to €20,000 per year.

Your choice depends on how long you plan to stay and whether you want your child to adapt to Dutch culture or continue in a global curriculum.

Long-term residency and citizenship in the Netherlands

Permanent residency

You can apply for permanent residency after five years of continuous legal stay. Time on a student visa counts, but only at half value (two years of study = one year toward residency).

You’ll need proof of stable income, health insurance, and no major gaps in your municipal registration.

Citizenship

Dutch naturalization usually requires five years of residence (sometimes less for spouses of Dutch citizens).

Applicants must pass the integration exam, which tests language and cultural knowledge. A clean legal record and steady financial footing are also expected.

Dual citizenship

The Netherlands generally restricts dual citizenship. In most cases, you must renounce your previous nationality when naturalizing.

There are exceptions (e.g., refugees, those married to Dutch citizens). Debates about reform are ongoing, but for now, most people must choose one passport.

Rights & obligations

Permanent residents and citizens gain nearly full rights.

Citizens can vote in national elections (residents only at the local/EU level), and there’s no military service requirement.

Tax obligations remain the same, and global income must be declared if you’re a resident for tax purposes.

Long-term financial planning

Planning to live in the Netherlands long-term means thinking about future finances:

• Pensions: Most employees are automatically enrolled, whilst freelancers must arrange their own.
• Mortgages: Available after a few years of stable income, with favorable rates if you’re a resident.
• Savings: Dutch households value frugality, and tax rules encourage retirement savings.

Starting to consider how you manage money early is always a good idea, and it makes sure you’re secure and prepared for the long haul.

Conclusion

Moving to a new country, whilst exciting, can undoubtedly feel overwhelming. With so many things to think about, and over such a long period of time, things quickly stack up.

The good news is that you don’t need to do everything at once.

Take things step by step, just as we’ve outlined here, and the process becomes a whole lot more manageable.

If you’re still confused, consider checking out some of our other articles on visas, healthcare, and key insurances in the Netherlands.

Once you’re feeling confident, all that’s left is to start planning for your new adventure!

Tot snel!