Relocating with Confidence

Securing accommodation in the Netherlands can be challenging, especially in major cities like Amsterdam, Rotterdam, and Utrecht, where demand is high. Here’s what you need to know to find a suitable home efficiently.

1. Types of Housing

• Rental Apartments – The most common option for expats, available as furnished, semi-furnished, or unfurnished.
• Shared Housing – Renting a room in a shared apartment can be a more affordable choice, especially in city centers.
• Short-Term Rentals – Useful if you need temporary accommodation while searching for a permanent home.
• Social Housing – Available for low-income residents, but typically has long waiting lists and strict eligibility criteria.

2. Where to Search for Housing

• Rental Websites: Funda.nl, Pararius.nl, Kamernet.nl (for rooms), and HousingAnywhere.com.
• Real Estate Agents (Makelaars): Can assist in finding properties, especially in competitive areas.
• Social Media & Expat Groups: Facebook groups and expat forums often have rental listings.
• Company Housing Support: Some employers offer housing assistance or relocation packages.

3. Understanding Rental Contracts

Before signing a rental agreement, be sure to check:

• Rental Price & Deposit – Expect to pay a deposit (usually 1-2 months' rent).
• Utilities & Service Costs – Confirm whether gas, electricity, and water are included.
• Minimum Rental Period – Some contracts require a minimum stay.
• Rental Protection Laws – The Netherlands has strict tenant rights, ensuring fair rental prices and protection against unfair eviction.

4. Registering Your Address

To complete your municipality registration, your address must be registered. Some landlords do not allow official registration (inschrijven), so always check before signing a lease.

5. Tips for Securing a Rental Quickly

• Act fast – Properties move quickly, especially in major cities.
• Be prepared – Have copies of your ID, employment contract, and recent payslips ready.
• Avoid scams – Be cautious of landlords asking for upfront payments without viewing the property first.

If you need assistance or recommendations, our team is happy to help guide you through the process.

If you’re planning to relocate to the Netherlands for work, it’s essential to understand the visa and work permit requirements. Your eligibility to work will depend on your nationality, type of employment, and the duration of your stay. Here's what you need to know:

1. EU/EEA/Swiss Nationals

If you are from an EU, EEA, or Swiss country, you do not need a work visa to live or work in the Netherlands. You can enter the country freely and are not required to apply for a work permit. However, you still need to register with the local municipality (BRP) to receive your BSN and be officially recognized as a resident.

2. Non-EU/EEA Nationals

If you are not from an EU/EEA/Swiss country, you will need to apply for a work visa and/or a residence permit before moving to the Netherlands. The specific type of visa depends on your job, qualifications, and the duration of your stay. Here are the most common types:

• Highly Skilled Migrant (Kennismigrant): For professionals with a higher education degree or specific skill set. This is one of the most common work visas for non-EU nationals and is often used for tech, engineering, and management roles.
• Employee Insurance (GVVA): This work permit is for employees who do not qualify for the Highly Skilled Migrant visa. The process involves applying for both a work permit and a residence permit at the same time.
• Startup Visa: For entrepreneurs who want to start a business in the Netherlands. It allows a one-year residence period with the possibility of extension.
• Intra-Company Transfer (ICT): For employees of multinational companies who are transferred to the Netherlands as part of their employment.

3. Work Visa Application Process

The application process for a Dutch work visa typically involves:

• Employer Sponsorship: Your employer will often need to apply on your behalf. They may need to prove that no suitable candidate was found in the local job market (for certain visa types).
• Required Documentation: This usually includes your passport, employment contract, proof of qualifications, and potentially proof of financial means or insurance.
• Application Submission: Your employer submits the visa application to the Immigration and Naturalisation Service (IND).

4. Blue Card for Highly Skilled Workers

The EU Blue Card is a residence and work permit for highly skilled non-EU nationals. It is aimed at attracting skilled professionals to fill job vacancies that cannot be filled by the local workforce. To qualify, you need:

• A higher education degree
• A job offer that meets the salary threshold

5. Processing Times & Costs

Work visa processing times vary, but it typically takes 2 to 3 months to receive approval. It’s essential to begin your application as soon as possible to avoid delays. Visa application fees also vary depending on the type of visa but usually range from €300 to €1,000.

6. Working without a Visa (Exceptions)

Some categories of employees may not need a work visa, such as students working part-time, certain highly-skilled individuals with short-term contracts, or if you're already in the country on a different type of permit.

When moving to the Netherlands, it’s crucial to ensure you’re fully covered by the necessary insurances. The Dutch healthcare and insurance systems are well-established, but there are a few key policies you must have to live and work in the country. Here’s what you need to know:

1. Health Insurance (Zorgverzekering)

Health insurance is mandatory for everyone residing in the Netherlands. If you plan to stay for more than four months, you’ll need to arrange basic Dutch health insurance (basiszorgverzekering) within four months of arrival. This insurance covers essential medical services, including doctor visits, hospital stays, and some prescription medication.

• Important Note: If you’re employed in the Netherlands, your employer may assist with finding a suitable insurance provider, or you can choose one yourself.
• Private Health Insurance: If you require additional coverage, you can also opt for supplementary health insurance.

2. Liability Insurance (Aansprakelijkheidsverzekering)

Liability insurance is highly recommended and covers damages you might cause to others, either accidentally or through negligence. This includes damage to property, personal injury, or legal expenses arising from accidents.

While not mandatory, it’s a smart choice, especially for those living in rented accommodation. Liability insurance can help avoid costly bills should accidents occur.

3. Car Insurance (Autoverzekering)

If you plan to drive in the Netherlands, car insurance is required by law. There are three main types of car insurance:

• Third-Party Liability (WA) – This is the minimum legal requirement and covers damage to others in case of an accident.
• Limited Coverage (WA+) – Includes third-party liability plus some additional coverage, such as damage to your car from certain situations (e.g., fire, theft).
• Comprehensive (Allrisk) – Covers both third-party liability and your own car’s damages, even in the event of an accident where you are at fault.

4. Home Contents Insurance (Inboedelverzekering)

Home contents insurance covers damage or loss of your personal belongings due to events like fire, theft, or water damage. If you’re renting, this type of insurance is a good idea to protect your possessions. Some landlords may also require tenants to have this coverage.

5. Accident Insurance (Ongevallenverzekering)

Accident insurance is optional but can be valuable for those who engage in risky activities, either in their professional or personal life. This policy provides compensation if you are injured in an accident, covering medical costs and sometimes lost wages.

6. Travel Insurance

If you’re traveling within the Netherlands or other Schengen countries, it’s a good idea to have travel insurance. While not legally required, it provides coverage for situations like trip cancellations, lost baggage, or medical emergencies while traveling.

7. Pension Insurance

While not a personal insurance, pension insurance is important if you’re employed in the Netherlands. Employers typically contribute to a pension plan on your behalf, but it's wise to check your company’s pension scheme and understand how it works. You can also make private pension contributions if you wish to supplement this.

8. Legal Assistance Insurance (Rechtsbijstandverzekering)

If you face legal issues or need advice, a legal assistance insurance policy can be helpful. It covers legal fees for situations such as disputes with your employer, landlord, or insurance company.

If you’re relocating to the Netherlands for your new position, one of the first and most important steps is registering with the Dutch authorities. This process ensures you can live, work, and access essential services in the country. Here’s what you need to know:

1. Registering with the Municipality (BRP)

Anyone planning to stay in the Netherlands for more than four months must register with the local municipality (gemeente). This should be done within five days of arrival. Upon registration, you will receive a Burger Service Number (BSN), which is essential for employment, opening a bank account, and accessing healthcare.

2. What You Need to Bring:

• A valid passport or national ID
• A rental contract or proof of address
• Your employment contract (sometimes required)
• Birth certificate (in some cases, an official translation may be needed)

3. IND Registration (For Non-EU/EEA Nationals)

If you are from outside the EU, EEA, or Switzerland, you may also need to register with the Immigration and Naturalisation Service (IND). Your employer may assist with obtaining the necessary work and residence permits.

4. Health Insurance Requirement

Everyone living in the Netherlands is required to have Dutch health insurance. You must arrange this within four months of your registration date. If you are employed, your employer may provide guidance on this.

5. Opening a Dutch Bank Account

Most employers in the Netherlands require a Dutch bank account for salary payments. To open one, you’ll typically need:

• Your BSN number
• Proof of address
• Passport or ID

Our team is here to support you through your transition, so if you have any questions, feel free to reach out!

Opening a bank account is an essential step when relocating to the Netherlands. It enables you to manage your finances, receive salary payments, pay bills, and make purchases. Here’s everything you need to know about setting up a Dutch bank account:

1. Types of Bank Accounts Available

In the Netherlands, there are several types of bank accounts, but for most expats, the following two are the most common:

• Current Account (Betaalrekening): This is the most widely used account for everyday transactions, such as receiving your salary, paying bills, and making purchases. It comes with a debit card (PIN) and often includes online banking services.
• Savings Account (Spaarrekening): While not mandatory, many expats also open a savings account to keep money separate from their day-to-day spending. This account typically offers interest on your savings.

2. Which Banks Are Available?

Some of the major banks in the Netherlands that offer services to expats include:

• ING
• ABN AMRO
• Rabobank
• bunq
• SNS Bank

Each bank has its own set of features and fees, so it's worth comparing options before choosing the one that suits your needs. Online banks like bunq may offer convenient solutions for those who prefer digital banking.

3. What You Need to Open a Bank Account

To open a bank account in the Netherlands, you’ll need the following documents:

• Proof of Identity: A valid passport or national ID card.
• Proof of Address: A rental contract or utility bill (less than three months old) that shows your name and Dutch address.
• BSN Number (Burger Service Number): This is a personal identification number you receive when registering with the local municipality. It is required to open a bank account.
• Proof of Employment or Income (Optional): Some banks may ask for your employment contract or recent payslips, especially if you’re applying for additional services like a credit card or loan.

4. Steps to Open a Bank Account

Here are the typical steps to open a bank account in the Netherlands:

1. Choose Your Bank: Research banks to find the one that best suits your needs in terms of fees, services, and digital offerings.
2. Visit a Bank Branch or Apply Online: While most banks allow you to apply online, some may require you to visit a local branch in person to verify your identity and submit documents.
3. Submit Your Documents: Provide your proof of identity, proof of address, and BSN number. If applying online, you may need to upload digital copies of your documents.
4. Set Up Your Online Banking: Once your account is approved, you’ll receive your bank card (PIN card) and login details for online banking. You can start managing your account and setting up payments right away.

5. Bank Fees and Charges

Most Dutch banks offer free current accounts, but there may be charges for additional services like credit cards, international transfers, or overdraft facilities. Be sure to check the fee structure of the bank before opening an account.

6. How Long Does It Take?

Opening a bank account in the Netherlands is typically quick. If you’re applying in person, it may take a few hours or up to a day for your account to be set up. For online applications, you may need to wait a few days for your account and card to be activated.

7. International Transfers & Currency

If you're transferring money internationally, check with your bank about fees for cross-border transfers, and if they offer competitive exchange rates. Most Dutch banks support transfers within the SEPA zone (Eurozone), which are often free or low-cost.

8. Digital and Mobile Banking

The Netherlands is a highly digital country, and mobile banking is widely used. Most Dutch banks offer mobile banking apps, which allow you to manage your account, pay bills, and make transfers easily from your phone.

The Netherlands offers an excellent transportation network, making it easy to get around, whether you're commuting to work, exploring cities, or traveling further afield. If you're planning to drive or want to know your travel options, here's what you need to know:

1. Public Transportation

The Netherlands has an efficient and well-connected public transportation system, including trains, buses, trams, and metro services. This makes traveling around the country easy, affordable, and often faster than driving. Here’s how to make the most of it:

• OV-chipkaart: The OV-chipkaart is the key to using public transport. You can use this card for trains, buses, trams, and metro services across the Netherlands. You can purchase an anonymous OV-chipkaart or a personal one, which offers additional benefits. Simply load credit onto your card, check in when you board, and check out when you leave.
• Trains: The Dutch railway system, operated by NS (Nederlandse Spoorwegen), is one of the best in Europe. Trains are fast, reliable, and link cities and towns throughout the country.
• Buses & Trams: Local buses and trams are widely available in cities and towns, offering convenient transport for short trips.
• Bikes: Cycling is a popular mode of transport, and the Netherlands is known for its cycling infrastructure. Biking is often the fastest way to get around cities, and many areas have dedicated bike lanes.

2. Owning and Driving a Car in the Netherlands

If you prefer to drive, here’s what you need to know about getting and running a car in the Netherlands:

2.1. Driver’s License Requirements

• EU/EEA Citizens: If you hold a valid driver’s license from an EU or EEA country, you can use it to drive in the Netherlands without needing to exchange it. However, once you become a Dutch resident, you must ensure your license is valid for the duration of your stay.
• Non-EU/EEA Citizens: If you are from outside the EU, you can use your foreign driver’s license for up to 185 days after registering as a resident. After this period, you may need to exchange your license for a Dutch one. The process depends on the country where your license was issued. In some cases, you may need to take a practical driving test.

2.2. Registering Your Car

If you bring a car with you or purchase one in the Netherlands, it must be registered with the RDW (Rijksdienst voor het Wegverkeer), the Dutch Vehicle Authority. To register a car, you will need:

• Proof of ownership or purchase (e.g., invoice or purchase agreement)
• A valid ID (passport or Dutch ID card)
• Proof of Dutch address
• The car’s insurance details
• Proof of roadworthiness (APK inspection) for used vehicles

2.3. Car Insurance

Car insurance is mandatory in the Netherlands. The minimum required insurance is Third-Party Liability (WA), which covers damages caused to others in the event of an accident. You can also choose additional coverage options:

• Limited Coverage (WA+): This covers both third-party liability and certain types of damage to your own vehicle (e.g., theft or fire).
• Comprehensive Insurance (Allrisk): This offers the highest level of coverage, covering both third-party liability and any damage to your own car, even if you are at fault.

2.4. Road Tax (Motorrijtuigenbelasting)

In the Netherlands, you will need to pay road tax (motorrijtuigenbelasting) to the Dutch Tax and Customs Administration. The amount depends on factors such as the type of vehicle, its weight, and the region where you live. This tax is typically paid quarterly.

2.5. Car Parking

Parking can be limited and expensive in cities, so make sure to check for parking signs and regulations. Many cities have paid parking zones, and you may need to use parking meters or apps to pay for parking. Residential areas may require a parking permit, which you can apply for through your local municipality.

2.6. Fuel & Petrol Stations

The Netherlands has a wide network of petrol stations. Fuel prices can vary, so it’s worth keeping an eye out for the best prices. Pay at the pump or inside the station, depending on the station's setup. Most stations accept credit cards, but it’s always good to have a bank card or cash on hand just in case.

2.7. Dutch Road Rules

Driving in the Netherlands is similar to most European countries, but here are a few key road rules to remember:

• Speed limits: 50 km/h in urban areas, 80 km/h on rural roads, and 100-130 km/h on highways.
• Right of way: In most cases, vehicles coming from the right have the right of way, unless otherwise indicated by traffic signs.
• Seat belts: Seat belts are mandatory for all passengers in the car.
• Drinking and driving: The blood alcohol limit is 0.5 grams per deciliter, but it’s safer to avoid drinking if you’re planning to drive.

3. Alternative Travel Options

If owning a car isn’t essential for your lifestyle, you can also explore car-sharing services (such as SnappCar or Greenwheels) or use taxis and ridesharing apps like Uber in larger cities.

Traveling around the Netherlands is easy and accessible, whether you choose to use public transport, ride a bike, or drive a car. If you’re planning to drive, make sure you understand the requirements and regulations to ensure a smooth experience.

The Netherlands offers a high standard of education, with a wide variety of options for international and local students. Whether you're relocating with school-age children or planning for their future education, here’s everything you need to know about the Dutch education system and enrolling your children in school.

1. The Dutch Education System

The Dutch education system is divided into several levels, each focusing on different age groups and educational goals. Education is compulsory for children between the ages of 5 and 16, though children typically start school at age 4.

• Primary Education (Basisonderwijs):
  Primary education is for children aged 4 to 12 and consists of eight grades. It focuses on core subjects such as language, mathematics, science, history, and arts. Children attend local primary schools (both public and private), with most schools offering education in Dutch. However, many schools cater to expat families and offer bilingual or international programs.

• Secondary Education (Voortgezet Onderwijs):
  After primary school, children move to secondary school, which lasts for four to six years, depending on the type of school they attend. The secondary education system has different tracks based on a student’s abilities and future goals:

  • VMBO (pre-vocational secondary education) – Focuses on preparing students for vocational training or further education.
  • HAVO (higher general continued education) – Provides a more academic education, leading to higher education options like universities of applied sciences.
  • VWO (pre-university education) – A more academically rigorous track that prepares students for university education.

• Higher Education:
  After completing secondary school, students can go on to HBO (higher professional education) or WO (academic education). HBO is similar to university of applied sciences, while WO is university-level education, focusing on theoretical and academic learning.

2. Types of Schools for Expats

For expat families, there are a few different school options to consider depending on your child’s language skills, educational background, and your long-term plans:

• International Schools:
  International schools offer an education in English or other languages (e.g., French, German) and follow international curriculums like the International Baccalaureate (IB) or the British curriculum. These schools are ideal for families planning to stay in the Netherlands for a short to medium period or those who want their children to follow an international education system.

• Bilingual Schools:
  Bilingual schools teach in both Dutch and English (or another language). They provide a more gradual integration into the Dutch education system while still offering an international experience. These schools are often ideal for children who need some time to learn the Dutch language.

• Dutch Public and Private Schools:
  These schools generally teach in Dutch and follow the Dutch curriculum. If you plan to stay long-term and your child speaks or is learning Dutch, these schools can provide a high-quality education in the local system. Private schools (including Montessori and Waldorf schools) also exist and may offer a different approach to teaching.

3. Enrolling Your Child in School

The process for enrolling your child in a school in the Netherlands can vary depending on the type of school, but here are some general steps:

1. Research Schools:
   Start by researching available schools in your area. You can use online tools such as Onderwijsinspectie to check school ratings or visit school websites for more information on their curriculum, language offerings, and facilities.
   If you’re interested in an international or bilingual school, contact the school directly to find out if they have availability for your child’s age group.

2. Contact the School:
   Once you’ve identified a few schools, contact them to inquire about their enrollment process and whether they have places available. Some schools may have waiting lists, especially in larger cities like Amsterdam or Rotterdam.

3. Prepare the Necessary Documents:
   To enroll your child, you’ll typically need to provide:

   • Proof of your child’s identity (passport or birth certificate)
   • Proof of your address in the Netherlands
   • Previous school records or transcripts
   • Health records, including vaccination details
   • Any required language proficiency information (if applicable)

4. Visit the School:
   Many schools offer tours or open days, where you can meet with staff, see the facilities, and learn more about their approach to education. This is a great opportunity to assess whether the school is the right fit for your child.

5. Register with the Municipality:
   After enrolling your child in school, you may also need to register their education with your local municipality (gemeente). This is often part of the standard registration process, especially if you’re enrolling in a Dutch public or private school.

4. Language Support for Non-Dutch Speakers

For children who don’t yet speak Dutch, many schools offer language support programs (inburgering) to help them integrate. Depending on the school, children may receive extra lessons in Dutch or be placed in classes with other non-Dutch speaking students until they are ready to join regular classes. International and bilingual schools often have a more seamless transition for children who speak English or another language.

5. School Costs and Financial Support

While public education in the Netherlands is free, some costs may arise for extracurricular activities, school trips, and materials. International and private schools typically charge tuition fees, which can vary significantly depending on the school. It's important to factor these costs into your budget when planning your relocation.

6. School Hours and Holidays

School hours in the Netherlands are typically from 8:30 AM to 3:30 PM, with some variations depending on the school. The school year usually runs from August/September to July, with breaks for Christmas, Easter, and summer holidays. Keep in mind that school holidays may differ depending on the region, so check the specific holiday schedule of your child’s school.

Enrolling your children in school is a key part of settling into life in the Netherlands. Whether you choose a Dutch school, an international institution, or a bilingual program, you’ll find a wide range of high-quality educational options.