Finance for Expats in The Netherlands


Money matters can be complex, and the Dutch tax system is anything but simple. 


  • Before youopen a Dutch bank account, you should have no problem obtaining cash from an overseas account using an ATM.
  • The Netherlands is on the euro.
  • If you want to exchange cash, services can be found at a GWK exchange office.
  • All major credit cards are accepted but not everywhere. Hotels, restaurants, large department stores and tourist attractions present no problem.
  • Cash is still widely used, but the most common method of payment is pinnen, using a debit card with a PIN code.


You can find the following information about “Finance for Expats” in Expat Survival Guide 2024:


  • Opening a Dutch bank account
  • Credit cards
  • Internet banking
  • Tax
  • The Box system
  • Tax credits and allowances
  • The 30% Ruling
  • Mortgages and Tax implications
  • Insurances
  • Customs 

Finance service providers

The TaxSavers is an ambitious and fast-growing organization where the customers are always put first. The TaxSavers has been set up to assist clients with the increasing demand in filing their tax returns. Especially in more complex situations, such as after buying or selling a house, in years of migration, or the financial results of other impactful life events.

The TaxSavers

A&H Finance is specialized in helping expats who want to buy a house in the Netherlands. We guide you through the entire mortgage process. Our aim is that you buy a house which you may enjoy for many years, with a mortgage that fits your personal situation.

A&H Finance

Creative entrepreneurs seeking an all-round financial coach can find guidance in a constantly evolving world with our tailored financial and tax advice. Our comprehensive approach, based on both your business and personal situation, ensures that you gain control over your finances, both now and in the future.

NAHV Belastingadviseurs

Leave your mortgage worries behind! Our efficient process ensures your mortgage is completed in no time. Experience our exceptional value, affordable pricing, and 5-star service. Schedule your appointment today at one of our locations in Amsterdam, The Hague or Utrecht, or if you prefer, set up a video-based appointment from the comfort of your own home.

Easy Mortgage

We know the Dutch tax system is a complicated one, and as an expat filing taxes in Holland can be overwhelming. Suurmond Tax consultants is a Dutch tax company with an international perspective. Whether it concerns the income tax return, 30%-ruling request, international tax planning, we know how to handle it in your best interest. We are prepared to go that extra mile to obtain the best results.

Suurmond Tax Consultants

#1 online tax firm assisting internationals globally with international tax advice, the M-form, Dutch income tax returns and 30%-ruling application. Reliable, fast and affordable. ttmtax is a full service tax firm that combines a high level of service with competitive rates. We get your Dutch tax affairs done.


We provide advice to those who wish to work and live in the Netherlands and also to (overseas) companies who do business in the Netherlands. We are familiar with all the specific rules and regulations and we can provide a wide range of tailor-made services ranging from relocation – housing tax services (rental and purchase), residence/working permits, settling-in services in the Netherlands.

Tulip Expats Services

File your Dutch income tax return for € 149, or together with your partner for only € 199. The income tax filing process is simple, straightforward, affordable, completely online and in plain English. Our service is also available to expats with the 30% ruling. Blue Umbrella: specialist in Dutch tax matters, reliable, accurate and affordable. The best choice for internationals.

Blue Umbrella