The Holland Handbook 2026-2027

It is that time of year again; the new and annually-updated version of The Holland Handbook is here and ready to be enjoyed! Not only that, but this is the 26th edition!

More than twenty five years ago, a modest group of three people sat around a table to discuss the possibility of creating a handbook for expats coming to live here. Those were different times; the types of expats, the budget they had, the amount of time they spent here and the family members they brought with them have changed over time.

Over the past two decades, it has been updated completely every year, with easy-to-read and entertaining infographics and fresh photographs, while it has, of course, retained its familiar feel and trusted format. As always, The Holland Handbook has been expanded upon to reflect the latest political developments in the country, while it also includes topics that have gained in importance and relevance since the book first appeared, adapting to the new generation of foreign nationals, immigrants and students who have come to the Netherlands – either for a few months or for a longer period of time.

The Holland Handbook offers a wealth of information to those who have just moved here – or are preparing for their move here – on issues such as permits, bank accounts, international schools, universities, job-searching, employment law, the citizen service number (burgerservicenummer), finding a place to live, and insurances. However, The Holland Handbook goes beyond covering the very first steps you will be taking towards starting a life in the Netherlands; it also prepares you for what comes next, such as learning the language, getting to know your Dutch neighbors, celebrating life’s milestones and holidays the Dutch way, as well as perhaps more impactful issues, such as the health care system, the education system – ranging from pre-kindergarten to obtaining a Ph.D. – public transportation, legal problems, things to do in your free time, importing your car, having a baby, and much, much more.

Starting from the front to the back cover, it is a joy to behold; chock-a-block with beautiful photographs, it will enthuse you for all there is to see in the Netherlands, as well as remind you, once your career or other life developments have taken you to another country, of all the beautiful things that Holland had to offer while you were here. And last but not least, it will serve as a written and photographed source of information for your family and friends who would like to know what it is – or was – like for you to live here.

Preparing for the Inburgering A1 Exam

What Future Residents Should Know

For many people planning a move to the Netherlands, the Inburgering A1 exam is one of the first important steps. If you need to take the basic civic integration exam abroad before joining your partner or starting a new life in the Netherlands, it helps to know exactly what to expect. The exam is not about perfect Dutch or advanced grammar. Instead, it checks whether you can manage simple everyday communication and understand the basics of Dutch society. A practical starting point is a clear overview of the Inburgering A1 exam, so candidates know the format, requirements, and preparation process before they begin.

The exam has three parts: reading, speaking, and KNS, short for knowledge of Dutch society. The reading section checks whether you can understand basic written Dutch in realistic situations. You may see short texts such as emails, signs, instructions, or messages from school or a doctor. Reading is often underestimated because the language looks simple, but the real challenge is understanding quickly under time pressure. Candidates who want targeted preparation should use a Reading A1 guide to become more familiar with the texts used in the exam.

The speaking section tests practical communication. Candidates answer everyday questions about topics such as family, work, or daily routines. There is also a part where you complete short spoken sentences. In the official format, answers are recorded on a computer, and candidates have limited time to respond. That is one reason many people feel nervous, even when they know the vocabulary. Focused practice can make a big difference, especially with material built around the real exam format. A Speaking A1 page can help candidates understand which responses are expected and how to prepare with confidence.

KNS is the part that often surprises candidates. It is not only about language, but also about daily life in the Netherlands. Questions cover topics such as healthcare, work, education, transport, housing, history, and social rules. The KNS exam is digital, contains 30 multiple-choice questions, and lasts 30 minutes. To pass, candidates need 21 correct answers. Because the questions are linked to practical situations and Dutch society, it helps to study from reliable, structured material. A dedicated KNS resource can help candidates prepare more efficiently and avoid common misunderstandings.

One of the most effective ways to prepare for the Inburgering A1 exam is to identify your weakest section early. Some candidates read reasonably well but feel uncomfortable speaking into a headset. Others are confident speaking simple Dutch but struggle with written texts or KNS topics. A structured study plan makes preparation less stressful and helps you spend your time where it matters most. On Inburgering.org, candidates can find straightforward explanations, practice-oriented guidance, and support for every part of the exam. If the A1 exam is part of your route to the Netherlands, better preparation can mean more confidence, fewer surprises, and a stronger chance of passing on the first try.

Financial Planning Basics for Expats Moving to the Netherlands

Moving abroad brings exciting opportunities—and new financial responsibilities. For expats relocating to the Netherlands, understanding how the local financial system works can make a significant difference in building stability and avoiding unexpected costs. From housing and taxation to insurance and long-term planning, getting familiar with the essentials early on helps create a smoother transition.

One company that specializes in helping expats navigate these financial challenges is FBV de Boer, an independent financial advisory firm focused on supporting international professionals in the Netherlands. Whether you’re buying a home, arranging insurance, or planning for your financial future, having expert guidance can save time and provide peace of mind.

Understanding the Dutch Financial System

The Dutch financial system is well-structured but can feel complex for newcomers. Many processes—such as opening a bank account, arranging mandatory health insurance, or applying for a mortgage—require specific documentation and registration. One of the first administrative steps for expats is obtaining a BSN (citizen service number), which is essential for employment, taxation, and most financial services.

Taxation is another area where expats often encounter differences compared to their home countries. The Netherlands applies a progressive tax structure, and certain international employees may qualify for special tax arrangements. Because tax obligations can involve both Dutch and foreign income, clarity about residency status is important. Advisors like FBV de Boer can help explain these nuances and assist with registrations to ensure compliance.

Housing and Mortgage Considerations

Housing is typically one of the largest financial decisions for expats. Rental markets in major Dutch cities can be competitive, while purchasing a property involves additional steps such as property valuation and notary procedures. For many expats who plan to stay long-term, buying a home becomes an appealing option.

Mortgage eligibility in the Netherlands depends on factors like employment contracts, income stability, and residency status. Requirements may differ for international applicants, and navigating them without guidance can be challenging. This is where working with a knowledgeable advisor—such as FBV de Boer—can help expats understand what lenders require and how to prepare a strong application.

Insurance and Risk Management

Insurance plays an essential role in financial planning in the Netherlands. Health insurance is mandatory for residents and must be arranged within a specific timeframe after arrival. In addition to health coverage, expats commonly arrange liability insurance, home-related policies, and other protections to guard against unexpected risks.

Insurance terms and coverage structures can differ from those in other countries, so reviewing policies carefully is important. Advisors can offer insights into what types of coverage are appropriate based on your circumstances.

Planning for the Long Term

Financial planning for expats often goes beyond immediate needs. Pensions, investments, and cross-border assets become increasingly relevant over time. International careers can lead to fragmented pension structures or tax implications across multiple countries, making long-term planning a key part of financial well-being.

By gaining a clear overview of the Dutch financial landscape early on—and working with experienced professionals like those at FBV de Boer—expats can make more informed decisions and reduce uncertainty while settling into life in the Netherlands.

Dutch student culture decoded: a survival guide for internationals

Studying in the Netherlands is more than earning a degree; it is an introduction to a distinct social culture. International students often arrive prepared for coursework and exams, but less prepared for the unwritten rules that shape daily life. From direct communication to financial responsibility and structured planning, Dutch student culture follows clear principles that can surprise newcomers. Understanding these norms early makes adapting significantly easier.

The international classroom meets Dutch Social norms

Dutch universities are known for their strong international orientation. English-taught programmes attract students from across Europe and beyond, creating diverse classrooms where debate and critical thinking are encouraged. International students make up a substantial part of the university population, highlighting how globally connected many campuses have become. Many international students adapt quickly to the academic system, which emphasises independence, participation and analytical thinking rather than passive learning.

Outside the lecture hall, however, the social framework remains distinctly Dutch. The Netherlands places strong emphasis on equality, clarity and self-reliance, values that shape how students communicate, organise their time and approach responsibilities. What may initially feel blunt or overly structured often reflects a cultural preference for transparency and efficiency rather than personal criticism.

Housing culture: more than just renting a room

For many students, the first cultural adjustment begins with housing. In several Dutch cities, finding a room involves hospiteren, an informal selection process where current housemates choose a new roommate. This highlights that student housing is social as much as practical. You are not simply renting space; you are joining a shared living environment where initiative, openness and independence are appreciated from the start.

Once accepted, structured living quickly becomes visible. Cleaning schedules are common and taken seriously, and shared responsibilities are clearly defined. If expectations are not met, they are usually discussed openly rather than ignored. While this directness can feel uncomfortable at first, it prevents misunderstandings and creates predictable household dynamics.

Communication style: direct but not personal

Dutch directness is particularly noticeable in academic settings. Students openly question lecturers, challenge ideas and express disagreement. This reflects an egalitarian culture where hierarchy is relatively flat and intellectual exchange is valued over formal politeness. Feedback in group projects is often concise and straightforward, focusing on content rather than emotion.

In social situations, this clarity continues. Invitations may be declined directly, and opinions are rarely softened with excessive diplomacy. For students from more indirect cultures, this can initially feel abrupt. However, Dutch communication is generally intended to create clarity, not conflict. Once tone and intention are separated, this straightforward style often becomes easier to appreciate.

Money matters: equality and financial responsibility

Financial transparency is deeply embedded in Dutch student culture. Splitting bills evenly is standard practice, even among close friends, and digital payment requests are a normal part of daily life. This approach reflects a broader cultural value of equality: sharing costs clearly avoids awkwardness and keeps relationships balanced. Many Dutch students work part-time and manage their own rent, groceries and administrative matters from a young age.

Healthcare is one area where this independence becomes especially visible. The Dutch system is well organised, but requirements can vary depending on your personal situation, particularly if you combine your studies with part-time work or an internship. Because not every student falls under the same rules, it is important to be aware of what applies to you. Platforms such as Insure To Study offer a range of insurance options tailored to international students, making it easier to find coverage that aligns with different situations and preferences.

Group work and planning: shared accountability

Collaboration is central to Dutch higher education, but lecturers rarely micro-manage the process. Students are expected to organise meetings, divide tasks and monitor progress independently. This approach reflects a broader societal preference for autonomy combined with collective responsibility, preparing students for professional environments where initiative is valued.

Planning also plays a significant role in daily life. Deadlines are taken seriously, and reliability is highly valued. Many students use detailed agendas and schedule commitments well in advance. If a team member contributes less than expected, the issue is usually addressed directly, reinforcing the idea that everyone shares responsibility for the final result

Administration and self-reliance

Dutch institutions assume that students will manage their own affairs. Universities provide information about registration procedures and documentation, but they expect students to read instructions carefully and act accordingly. Whether it involves municipal registration, obtaining a citizen service number (BSN) or arranging health insurance, initiative lies with the individual.

Support services are available, yet they function primarily as guidance rather than supervision. Students who approach administrative tasks proactively generally experience fewer complications and feel more confident navigating daily life. This expectation of self-reliance may feel demanding at first, but it ultimately fosters independence and practical resilience.

Adapting to the unwritten rules

At first glance, Dutch student culture may seem direct, structured or even strict. However, these traits are rooted in values of equality, clarity and shared responsibility. Splitting bills promotes fairness, direct communication prevents ambiguity and careful planning reduces uncertainty.

For international students, adapting successfully is less about changing personality and more about understanding the logic behind these behaviours. Once the unwritten rules become clear, daily life feels more predictable and manageable. What initially appears blunt often turns out to be transparent, and what feels rigid often provides stability—qualities that ultimately support both academic success and personal growth.

Insurance Options for Self-Employed Persons in the Netherlands

One of the opportunities provided to non-Dutch nationals by Dutch law is the option of being self-employed, without the need for an employment permit. As long as you have a residence permit and a talent or knowledge that you wish to offer in self-employment, you have the chance to give it a go. The term for someone working in self-employment is ZZP (Zelfstandige Zonder Personeel; Independent with no Employees), and you are then referred to as a ZZPer.

Where to Start?

An important matter, when working in self-employment, is that of insurance – and this may be daunting. This is a different culture, with different laws – so, how do you know how to arrange insurance? And what to insure? And how much it costs? One in ten people on the Dutch labor market is ZZPer, which fortunately means that the insurance market for this group covers a wide range of topics.

Anyone who wishes to set up a company in the Netherlands will quickly find themselves directed to the Kamer van Koophandel (KvK) – or Chamber of Commerce. The KvK is where you register your company, but also where you can find advice – such as on what type of insurance to arrange. Examples given are: professional liability, company liability, legal aid, inventory, disability –and more.

Liability Insurance

A good place to go for a complete overview of types of insurance available is, offered by the insurance company Nationale Nederlanden (NN). First on the list is business liability insurance in case of damage you have caused to other people or their property. This could be because of something you sold, but also if you rented something and damaged it – as well as financial damages incurred by patients if you are a medical practitioner. It also covers so-called ‘previous damages’; perhaps you are responsible for damage that occurred before you took out the insurance, without you being aware of this – this is covered, also in the case of projects in the construction industry. You can even choose to take out insurance that covers damage caused while insured, though you have since stopped working in self-employment and have terminated the insurance.

Transportation

The type of insurance you will need depends greatly on what services you will be offering. Should this be in the realm of transportation, you can insure against damages suffered by goods you are transporting – but also expenses in connection with late delivery, legal aid or the cleaning up of damaged cargo. Additional insurance is available to cover damages caused by others if you have outsourced the distribution, as well as for the consequences of the failing of a cooling mechanism during transportation.

Cyber Security

In this day and age, a risk that is far from negligeable is that of cyber security. NN protects you against the consequences of data theft, hacking, systems breaches, and other types of cyber criminality. The insurance not only covers the damage suffered by your clients, but also costs you incur in connection with image repair, or stolen data. Additional coverage is available for those who want to insure themselves against the consequences of their website being down for a longer period of time due to a cyber attack.

Buildings

Should you be working from an office, you can choose to have this insured for the consequences of storm, water (precipitation as well as leaks), fire and vandalism. Options are: repairing the damaged areas or items – or, if this is not feasible, property reinstatement. If you turn out to be underinsured, NN guarantees that you will be compensated for the full damage.

Installation Services

If you offer installation services, you can take out insurance to cover material damages, damages to equipment, and the costs of setting up and removing auxiliary equipment – as well as the theft of these items. The insurance covers not only you, but also your client, the builder and subcontractors.

Final Words of Advice

This is just a selection of available insurances, and just two words of advice remain. Do not forget to arrange legal aid insurance (rechtsbijstandverzekering; because navigating the law in another country and language can be a considerable challenge. And second, be sure to check exactly which issues are covered by the insurance you are considering so as to avoid unpleasant (and avoidable) surprises in the future.

How to arrange your energy contract in the Netherlands as an expat

Moving to the Netherlands or switching homes? Whether you’re renting, buying or just here for a while, you’ll need to sort out your energy. No contract means no heating, no lights and basically no comfort. The tricky thing? Energy contracts in the Netherlands follow the person, not the address. So, you can take your contract with you when you move but you can’t leave it behind for someone else. One thing to keep an eye on is energy prices in the Netherlands. Prices can change depending on the time of year, the provider and the type of contract. Compare a few offers before you jump in. It can save you quite a bit in the long run.

Moving in for the first time

If it’s your first time living on your own, you’ll need to set up an energy contract from scratch. Make sure to give your supplier your new address at least two weeks before you move in. Without a contract, you can’t use any electricity or gas and sitting in the dark on your first night isn’t the best vibe. Not sure how long you’ll stay? Then don’t tie yourself down to a fixed contract. Go for a flexible or dynamic deal that you can cancel without extra costs. These options are especially helpful if you’re just testing the waters or unsure how long you’ll stay in your new home. Need help deciding? Doing an energy comparison in the Netherlands is a smart move. There are plenty of tools that show you the best options based on your location and usage. Whether you’re after green energy or just the lowest rate, there’s something for everyone.

Already have a contract? Take it with you.

If you’re already with a supplier, you can usually take your contract with you when you move. Just let them know at least two weeks in advance. One catch though if your new place doesn’t have a gas connection, you’ll need to switch to electricity only. Heads up: the day you get the keys to your new home, the energy contract should be active at that address. That applies whether it’s a rental or a home you’ve bought. You’ll also keep the contract at your old place until you officially hand over the keys. That means you might have energy contracts running at two places at the same time for a short while. Not ideal, but it happens.

Moving in together

If you’re moving in with someone, you’ll only need one contract between the two of you. If you’re moving into your partner’s home, cancel your own contract. If you’re moving to a new place together, pick which contract stays and which one goes. Just remember, cancelling a fixed contract early could come with a fee. Something to keep in mind before making the switch.

Second homes and vacation rentals

Got a second home or planning to rent one out? You can’t use one contract for both properties. You’ll need a separate contract for each address. Most landlords let tenants arrange their own energy, but you can also include it in the rent if you prefer. If it’s a vacation home, things work a bit differently. Many holiday parks include energy in their service costs, especially for gas or heating. But if your vacation home has its own power connection, you’ll need to arrange a separate contract usually just for electricity.

Leaving the Netherlands

If you’re moving abroad, you’ll have to cancel your Dutch energy contract. Suppliers here only cover Dutch addresses. Some companies charge a cancellation fee, but others make an exception if you’re leaving the country. Always worth checking the fine print.

Attending a Dutch wedding? This is what you need to know

If you’ve received an invite to a Dutch wedding, you’re probably very excited to attend! Keep in mind that you might be introduced to funny (and slightly odd) traditions that you’ve never seen before. If you want to show up well-prepared: we got you! We asked Sarah Glasbergen, founder of ThePerfectWedding.nl, to tell us about some unusual things you might notice during these events.

“Overall, Dutch weddings are pretty similar to those of other western countries”, Sarah says. “Chances are you’ll start with a ceremony, after which you can expect a dinner, and of course a party to seal the deal!”

Besides, most couples will give you an idea of the schedule on the invitation. More often than not, the invites also include a dress code and gift preferences.

Guest lists

“Don’t be surprised if your invite only includes a certain part of the day”, Sarah mentions. “This tradition of splitting guests comes partly from practical reasons. Most Dutch couples pay for their own wedding and inviting everyone to every part would be a bit much.” The most common options are:

Day guests
Day guests include close family and friends, who are invited to the ceremony, reception, dinner and party. These are usually the most important people in the couple’s lives and get to share the whole day with them.

Evening guests
Other friends, extended family and close colleagues often only join for the party in the evening. This allows the couple to celebrate with a larger group, without having to accommodate everyone the whole day.

Reception guests
In some cases, people are only invited to the reception. This is a quick chance to congratulate the couple. Reception guests are often acquaintances, neighbours or colleagues that the couple aren’t as close with, but they still want to include in their special day.

Dutch wedding traditions you might spot

When moving to the Netherlands, you’ll be confronted with all sorts of (quirky) traditions. “The same applies to Dutch weddings”, Sarah says.

Guest performances & playful games
Friends and family love to surprise the couple with homemade performances, from songs and sketches to heartfelt speeches. Dutch weddings often feature playful games too, like the classic ‘Mr. & Mrs.’ quiz… or even a round of sjoelen, a traditional shuffleboard game!

One favorite among Dutch wedding traditions? The ‘Alfabet’ speech! Where guests take turns sharing a word, story, or joke about the couple for every letter of the alphabet. “It’s often a mix of genuine praise and good-natured teasing”, Sarah explains. “And yes… it can take a while!”

Wedding parades & boats
If you’re a day guest, you might witness the ‘bruidsstoet’. A festive car parade honking its way from the bride’s house to the venue. “It’s a cheerful tradition, with decorated cars and lots of honking”, Sarah tells us.

And in canal cities like Amsterdam or Leiden, you might even see the couple arrive by boat. Literally ‘stepping into the wedding boat’ (in het huwelijksbootje stappen). Both a tradition and a Dutch expression for getting married.

The ‘ceremoniemeester’
Forget the typical Best Man or Maid of Honour. In the Netherlands, the ceremoniemeester is the go-to person for organizing the day, keeping things running smoothly, and often leading games or speeches. “The ceremoniemeester keeps everything on track! From the schedule to the surprises”, Sarah says.

Bitterballen
Who needs fancy canapés when you’ve got bitterballen? “They’re the ultimate Dutch party snack, nobody can resist them,” Sarah says. Don’t be surprised to see guests in their chicest outfits casually dipping these crispy meatballs in mustard!

Gifting
When it comes to wedding gifts, Dutch couples often keep things practical. It’s quite common for them to ask for money instead of traditional presents and no, this isn’t seen as rude at all!

“In the Netherlands, giving money as a wedding gift is completely normal”, Sarah explains. “Couples often use it for their honeymoon, something for their home, or simply to save for the future.”

If the couple prefers money, you’ll usually spot a subtle hint on the invitation, like a small envelope symbol.

And if they do have a gift registry? Go for it! Dutch couples appreciate guests sticking to their wishes. Unsure what to give? Asking a close friend or family member of the couple is always a good idea.

Ready to attend

By this time, you’re probably either very excited to attend or feeling a bit sceptical about all these unique traditions.

“Either way, no need to worry”, Sarah says. “By keeping an open mind, preparing well and embracing the ‘gezelligheid’, you’ll have no problem enjoying a beautiful Dutch celebration!”

Can’t get enough of Dutch weddings and hoping to plan one of your own? You can find information about traditions, fun ideas, bridal stores, planningtools and wedding venues on ThePerfectWedding.nl.

Live like a local, love the city – discover Eendracht Residence

Welcome to Eendracht Residence – a unique living concept in the heart of vibrant Rotterdam. This former townhouse at number 40 has been transformed into ten stunning city apartments ranging from 51 m² to 122 m². Whether you’re drawn to the Rotterdam skyline or the iconic Depot Boijmans Van Beuningen, each apartment offers exceptional views and a high-end finish.

The residences are fully finished and turn-key. Think oak floors, luxurious bathrooms, stylish wall finishes and Siemens-equipped kitchens – all ready for you to move in right away. Plus: every home is energy-efficient, thanks to individual heat pumps and solar panels.

Step outside and the city is at your feet – the Witte de Withstraat, museums, shops, parks, and public transport are all within walking distance.

Prices start from € 395,000.
Visit www.eendrachtsresidence.nl and start your new life in Rotterdam.

Location Highlight

Looking for the charm of city living with greenery right outside your door?
At Eendracht Residence, you get the best of both worlds.
Located on Rotterdam’s iconic Eendrachtsweg
10 luxurious apartments – available now

Interior / Turn-key Living

No need to paint, drill, or fix – just move right in.
Eendracht Residence features elegant oak floors, luxury bathrooms, a Siemens kitchen, and immaculate finishes.
Fully finished – ready to enjoy
Starting at € 395,000 (buyer costs)

Lifestyle Focus

Looking for a fresh start in a character-filled building with modern comfort?
Eendracht Residence blends city life, sustainability, and style in one unique address.
Stylish apartments in the heart of Rotterdam on Eendrachtsweg – close to everything that makes the city special
Learn more: www.eendrachtsresidence.nl

How Expats in the Netherlands Are Diversifying Their Digital Finances

The Netherlands has long been known for its financial savviness, and that mindset tends to rub off on newcomers, too. With a well-educated population and a steady stream of disposable income, people here—locals and expats alike—aren’t just chasing quick gains. Instead, they’re thinking a few steps ahead.

For expats living in the Netherlands, the local culture of long-term planning and asset control is shaping how they approach digital finance. Whether it’s branching out beyond traditional savings or exploring smart crypto strategies, today’s expats are diversifying with care. They’re not just storing wealth—they’re managing it with intent.

Crypto as a hedge and a diversification tool

Crypto isn’t just a hype train anymore—it’s become a permanent tab in many people’s finance apps. In the Netherlands, where tech adoption is pretty seamless, expats find it easy to get started. Dutch-based exchanges like Bitvavo make the onboarding feel local, secure, and hassle-free. That sense of familiarity helps lower the barrier.

Most expats aren’t going all-in. It’s not about flipping coins for fast gains—it’s about holding Bitcoin, Ethereum, or a few stablecoins alongside traditional investments. Diversification is the goal, and crypto just adds another layer to the mix. It gives people exposure to something different, which can be valuable in uncertain times.

You see, even within crypto, diversification matters. A solid portfolio isn’t built on one token alone. While the bulk of holdings might sit in established assets, there’s growing interest in setting aside a small portion for early opportunities like a crypto presale. It’s a calculated risk, not a gamble—and for many, that’s enough to keep things interesting without jeopardizing long-term plans.

From savings to stocks – broader investment horizons

Once expats settle into the Dutch system, saving is just the starting point. Banks here don’t just hold your money—they give you options. It’s pretty common for your banking app to show you how to start investing in stocks or ETFs, right next to your balance. It’s integrated into the system in a way that feels less intimidating and more like the natural next step.

ETFs and index funds are especially appealing here, mostly because of the low fees and the ease of getting started. People are less concerned with chasing the hottest stock and more focused on building something steady over time. The Dutch approach to finance is all about stability, and that attitude carries over into the way expats invest. No get-rich-quick energy—just small, smart moves with long-term payoff.

Local investing apps like BUX Zero are making everything even more accessible. The interface is clean, the fees are transparent, and the process is completely in English, which makes it easy for anyone new to the Netherlands to jump in. A few taps on your phone, and suddenly, you’re a shareholder. There’s no friction, and that matters a lot.

Real estate interest is growing – even among non-residents

In cities like Amsterdam, Utrecht, and even Eindhoven, rent prices have a way of getting your attention. So it’s not surprising that some expats eventually start looking into buying. It’s not just about escaping rent—it’s about turning that monthly expense into something with long-term value. And yes, even non-residents are getting curious.

Not everyone wants (or can afford) a whole house. That’s where things like REITs and partial property ownership start to come into play. These investment paths let expats participate in the real estate market without needing to drop a massive down payment. It’s a way to get exposure to the housing market without being tied to a specific address.

Dutch mortgage rules are surprisingly accessible for expats under the right conditions. If you’ve got a long-term work contract and a BSN number, some banks will take you seriously. It might still involve a mountain of paperwork, but it’s not off-limits. That changes the conversation completely—from “maybe one day” to “maybe this year.”

Currency diversification and international transfers

For most expats, income flows in euros, but life rarely stays that simple. Many are still tied to another currency, whether it’s paying off a loan back home, supporting family, or just keeping an eye on their old savings. So holding funds in USD or GBP isn’t unusual—it’s a way to stay flexible.

Tools like Wise and Revolut have become staples. You can send money between countries without the bank fees, and you see the exchange rate up front. These platforms fit perfectly with the expat lifestyle—everything’s digital, transparent, and fast. That kind of control over timing and cost makes a big difference.

During periods of euro volatility, some expats park part of their savings in other currencies. It’s not a massive move—it’s more like a hedge. If the euro dips and you’ve got a bit of USD tucked away, you’re less exposed. It’s a financial cushion, and it offers peace of mind.

Final words

Expats in the Netherlands aren’t just spending smarter—they’re thinking smarter. Surrounded by a culture of structure and long-term planning, they’re embracing tools that help them take control of their digital finances. From stocks to crypto and everything in between, diversification is not just a phrase – it’s a strategy.

Internet on all your devices with a prepaid eSIM

Let’s be real, constantly switching SIM cards, relying on slow or sketchy public WiFi, or turning your phone into a hotspot every time you need internet it gets old fast. It’s clunky, it drains your battery and let’s not even talk about how often it just doesn’t work when you really need it. Whether you’re living in the Netherlands full-time or just visiting for a few days, you just want a connection that works, without the hassle. That’s where SimWallet comes in. One app, one setup and you’re online in minutes no stress, no surprises.

What is SimWallet?

It’s basically a digital SIM you activate through an app. No plastic card, no visits to a store, no endless forms. Just open the app, choose how long you want internet a day or a month and boom, you’re online. An prepaid esim for the Netherlands works on smartphones, tablets, smartwatches, even laptops, as long as they support eSIM. There are three options at the moment. You can grab a pass for one day or 30 days with speeds up to 100 Mbit/s, or go for a slightly slower 20 Mbit/s option if you’re looking to save a bit. You’ll get unlimited data, with a fair use cap at 20GB per day. Hit that? No worries, your speed drops to 1 Mbit/s, but you won’t pay extra.

Who’s it for?

Got a family visiting from abroad and they need the internet for a few days? SimWallet’s perfect. Maybe you’re going to a festival and your own provider has no coverage, but SimWallet does. It’s also great for everyday moments. Like your kids watching videos during a road trip they get their own connection, and your data stays yours. Or trying 5G on your smartwatch while running. Or just doing some work or study at a café without trusting the free WiFi.

Set it up once, use it when you need it

The app is super straightforward. You can activate an eSIM directly on your phone, or generate a QR code to use it on another device. You can even keep multiple eSIMs in one app. That’s where the name comes from. It’s like a digital wallet full of SIM cards. Once the eSIM is installed, it stays active on your device for at least three months. You don’t have to use it right away, you can wait a week, or even longer, then just top it up when you’re ready. Want another one? Just set up a new eSIM. It’s all done through the app, available on Android and iOS.

No long term contract

There’s no contract. No “oops, extra fees.” No waiting around. You pay upfront using iDEAL or a credit card. Apple Pay and Google Pay are on the way too, but not quite there yet. It’s important to know: SimWallet is data only. So don’t expect phone calls or texts. But that also means it’s way more flexible. Use it when you want, on whichever device you like. Going on a trip? Need a backup connection? Want your own internet bubble on the go? SimWallet’s got you.