Netherlands

Move to the Netherlands

Europe's most international nation — 95% English proficiency, world-class cycling infrastructure, and the famous 30% tax ruling that makes it one of the most financially attractive destinations for skilled professionals.

Income tax (from)
36.93%
Cost of living
From €2,000/mo
EU member since
1957
English proficiency
95%+
Visas & Residency

How to move to the Netherlands

EU/EEA citizens move to the Netherlands freely — no visa, no permit, just register at your local municipality within 4 months. Non-EU nationals have several strong pathways, with the Highly Skilled Migrant (Kennismigrant) permit being the most common route for professionals.

EU / EEA Citizens

Free movement
  • EU/EEA citizens have the right to live and work in the Netherlands without a visa or permit
  • Register at your local municipality (gemeente) within 4 months of arrival
  • You'll receive a BSN (Burgerservicenummer) — your essential ID number for tax, healthcare, banking, and employment
  • After 5 years of continuous legal residence, eligible for permanent residency
  • Health insurance is mandatory for all residents

Highly Skilled Migrant (Kennismigrant) Permit

Skilled professionals
  • The main pathway for non-EU professionals — employer-sponsored
  • Requires a recognised sponsor employer (most multinationals and tech companies qualify)
  • Minimum salary threshold: €4,840/month gross for applicants aged 30+ (2026)
  • Lower threshold: €3,549/month for applicants under 30
  • Processing time: typically 2–4 weeks — one of the fastest in Europe
  • Spouse or partner receives a residence permit with unrestricted work authorisation
  • Pathway to permanent residency after 5 years
  • Qualifies for the 30% ruling — see tax section below

DAFT Visa (Dutch-American Friendship Treaty)

US citizens
  • Exclusively for US citizens — allows self-employment and business ownership in the Netherlands
  • Minimum investment of €4,500 in a Dutch business
  • Does not require employer sponsorship
  • Valid for 2 years initially, renewable
  • Popular with American freelancers, consultants, and entrepreneurs
  • Pathway to permanent residency after 5 years

Orientation Year Permit

Recent graduates
  • For recent graduates from top universities worldwide
  • Allows 1 year to find work or set up a business in the Netherlands
  • Must have graduated within 3 years of applying
  • From a university ranked in the top 200 globally
  • Can transition to Highly Skilled Migrant or self-employment permit after finding work

Family Reunification

Partners & families
  • Partners and dependent children of residents can apply for family reunification
  • Partners of Highly Skilled Migrants receive unrestricted work rights
  • Apply through the IND — processing typically takes 3 months

Important: Getting your BSN number is your most critical first step — without it you cannot open a bank account, access healthcare, or be added to payroll. Register at your gemeente within 4 months of arrival. Always verify current salary thresholds with the IND (ind.nl/en) before applying.

Taxes

Understanding tax in the Netherlands

The Netherlands has a two-bracket income tax system, with rates of 36.93% up to approximately €73,000 and 49.50% above that. However, the famous 30% ruling allows qualifying skilled expats to receive 30% of their gross salary tax-free for up to 5 years.

The 30% Ruling — Europe's Best Expat Tax Break

Qualifying skilled migrants recruited from abroad can receive 30% of their gross salary completely tax-free for up to 5 years. For an €80,000 salary, this saves approximately €7,000–€10,000 per year in tax.

Tax-free allowance
30% of gross salary
Maximum salary cap
€262,000 (WNT limit)
Minimum salary (30+)
€48,013/year
Minimum salary (under 30, Master's)
€36,497/year
Duration
5 years maximum
2027 onwards
Drops to 27% permanently

Tax advice disclaimer: Dutch tax residency is not determined by a simple day count — it depends on your specific circumstances. Always consult a qualified Dutch tax adviser before making decisions.

Cost of Living

What does life in the Netherlands cost?

The Netherlands is more expensive than Southern Europe but offers an exceptional quality of life. Amsterdam is the priciest city — but Rotterdam and Utrecht run 20–30% cheaper with comparable quality.

Most expensive

Amsterdam

  • 1-bed apartment: €1,400–€2,200/mo
  • Single person budget: €2,800–€3,800/mo
  • Best for finance, tech & culture
Mid-range

Rotterdam & The Hague

  • 1-bed apartment: €1,000–€1,600/mo
  • Single person budget: €2,000–€2,800/mo
  • Modern, international, 20% cheaper
Best value

Utrecht & Eindhoven

  • 1-bed apartment: €900–€1,400/mo
  • Single person budget: €1,800–€2,500/mo
  • Strong tech scene, great lifestyle

Typical monthly expenses in Amsterdam

Rent (1-bed, city centre)€1,400 – €2,200
Utilities (electricity, heating, water)€150 – €250
Internet (fibre)€30 – €50
Groceries€300 – €450
Dining out (mid-range)€200 – €350
Public transport pass€100 – €150
Mandatory health insurance€150 – €200
Gym membership€30 – €60
Mobile plan€20 – €40
Healthcare

Healthcare in the Netherlands

The Netherlands has one of the best healthcare systems in Europe — but it is not free. Health insurance is mandatory for all residents and must be arranged privately within 4 months of registering.

🏥

How Dutch Healthcare Works

  • Health insurance (basisverzekering) is mandatory for all residents — must be arranged within 4 months of registering
  • Average basic insurance cost: €150–€200/month in 2026
  • Annual deductible (eigen risico): €385 — you pay the first €385 of non-GP care each year
  • GP (huisarts) visits are covered — your GP is your gateway to specialist care
  • Emergency number: 112
  • English widely spoken by all Dutch healthcare professionals
  • Ranked consistently among the top 5 healthcare systems in Europe
💊

Practical Steps for Expats

  • Get your BSN number first — required to register for health insurance
  • Register with a local GP (huisarts) within your area — they manage your care
  • Choose a health insurer — popular options include Zilveren Kruis, VGZ, CZ, and Menzis
  • Consider supplementary insurance (aanvullende verzekering) for dental, physio, and specialist care
  • If you miss the 4-month registration window, you may face backdated premiums and penalties

Important: Do not delay arranging your health insurance. Failing to register within 4 months of arriving can result in backdated premiums and financial penalties. Set this up immediately after getting your BSN.

Banking & Finance

Banking in the Netherlands

The Netherlands has a modern, efficient banking system and is one of the easiest countries in Europe for expats to open a bank account. You'll need your BSN number first — without it, most Dutch banks cannot open an account.

What you'll need to open an account

  • Valid passport or national ID
  • BSN (Burgerservicenummer) — essential, get this first
  • Proof of Dutch address (rental contract)
  • For non-EU nationals: valid residence permit
  • Most major Dutch banks offer English-language service
  • Online account opening available at several banks — ING and Bunq are fully digital

Banks operating in the Netherlands

  • ING — largest bank, excellent app and English service
  • ABN AMRO — popular with expats and professionals
  • Rabobank — strong retail banking, particularly outside cities
  • SNS Bank — affordable and straightforward
  • Bunq — fully digital, expat-friendly, fast to open
  • Revolut / Wise — ideal while you wait for your BSN and local account

Tip: The Netherlands is one of the most cashless societies in Europe — many shops and restaurants don't accept cash at all. Set up a contactless card (Revolut or Wise works immediately) before you arrive.

Summary

Is the Netherlands right for you?

Reasons to move to the Netherlands

  • 30% tax ruling — 30% of salary tax-free for 5 years for qualifying expats
  • 95%+ English proficiency — easiest non-English-speaking country in Europe for expats
  • World-class cycling infrastructure — bikes replace cars entirely in most cities
  • One of Europe's top healthcare systems
  • EU member — full freedom of movement and rights
  • Strong job market — finance, tech, logistics, and pharma hubs
  • 85% of companies accept remote work
  • Highly international cities with vibrant expat communities
  • Fast and efficient public transport
  • Gateway to the rest of Europe — Amsterdam Schiphol is one of Europe's busiest hubs
  • Partners of Highly Skilled Migrants receive full work rights

⚠️ Things to consider

  • High income tax rates (36.93–49.50%) without the 30% ruling
  • 30% ruling drops to 27% from 2027 — factor this into long-term planning
  • Housing market is extremely tight — especially in Amsterdam
  • Cost of living is significantly higher than Southern Europe
  • Mandatory health insurance adds €150–200/month to your expenses
  • Weather is grey and rainy for much of the year
  • Box 3 wealth tax can impact those with significant savings or investments
  • Dutch language required for public sector jobs and full integration
  • High property purchase prices — average €5,200/m²

Ready to make your move?

Use our free tool to compare the Netherlands with other European countries and find the best fit for your situation.

Compare all countries →