Finance for Expats in the Netherlands


Money matters can be complex, and the Dutch tax system is anything but simple. Expat Survival Guide assists you in your first essential steps; including relevant information about “Finance for Expats”.


For internationals in the Netherlands it’s important to know that..:


  • Cash is still widelyused, but the most common method of payment is pinnen, using a debit card with a PIN code or by using a smart phone.


  • You should generally have no problem conducting business in English at any of these banks.At most banks you will also find financial providers aimed specifically at expat clients, with extensive English-language services.


  • Non-residents in Netherlands pay tax on Dutch-Sourced income.


  • Partners usually are taxed individually. But fiscal partners may divide shared income and deductions between each other to optimize the tax position.


  • The “30%-Ruling” is usually available for people that are in possession of a ‘highly skilled migrant’ residence permit, and who had to move to the Netherlands for their job, however not for every case.


  • Interest payments for a mortgage are tax-deductible if the property is your primary residence and the loan is used for acquisition of the house.


  • The website for the tax authority (Belastingdienst) has extensive information in English and downloadable forms and brochures.



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


  • Opening a Dutch bank account
  • Credit cards
  • Internet banking
  • Offshore banking
  • Tax
  • The Box system
  • Tax credits and allowances
  • Partners
  • The 30 % Ruling
  • Mortgages and tax implications
  • Insurance
  • Tax Authority
  • Customs


At “I am not a Tourist”, we’re passionate about helping expats thrive. Whether you’re brand new to the Netherlands or you’ve been here for a while, we’re here to help you make the most of your expat experience.


ENJOY living, working and studying in the Netherlands!