The Newcomer’s Guide to Amsterdam (2024)

Half of our Amsterdam team comes from places far away from the Netherlands. We made a guide based on their experiences to make your move to the city as smooth as possible.

Before settling in, you need to register with the Dutch municipality.

If you don’t have an apartment yet, you can temporarily use our office address to register. Make sure to visit IN Amsterdam (formerly known as the Expatcenter) to do so.

If you already have an apartment and address you can register to, you can do it yourself at the municipality.

Remember to book an appointment and bring your:

  • Valid identification (passport or identity card);
  • Employment contract;
  • Work permit (only if you’re not from the European Union)

If you already live in an apartment of your own, also bring one of the following documents:

  • a rental or tenancy agreement (huurovereenkomst);
  • a recent house deed or home purchase agreement;
  • written permission from the main tenant of the house, along with a copy of the main tenant’s valid passport or identity card

After registering you’ll get a BSN (burgerservicenummer) sent to the address you’re registered at. The BSN is your personal identification number for paying and deducting taxes, opening a bank account, getting a work permit, using the health care system, buying insurance and changing your address. You get the idea: it’s your identification number for all the important stuff.

DigiD
Apply for a DigiD when you have all the required documents. This will be your official digital ID and it will be required for a lot of things involving the government and bureaucracy.

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You’ve got your BSN, so the next step is to open a bank account so we can pay you.

Go to the bank branch in your area, or visit one of their websites. The four major banks are ABN AMRO, ING, Rabobank and SNS bank. There are also smaller banks that are worth trying, like Triodos, Knab or ASN.

To open a bank account in person, take the following documents with you:

  • Valid ID (passport or identity card);
  • Official proof of address, such as a tenancy agreement;
  • Your BSN;
  • If you’re not from the EU, your residence permit or registration with the Foreign Police (Vreemdelingenpolitie)

Most people in the Netherlands pay by card. After you have opened a private bank account you’ll get a temporary card you can use while you’re waiting for the proper one to arrive by snail mail. There’s a growing number of stores that don’t accept cash at all, so make sure you have it with you at all times. Cash only comes in handy in markets or public toilets.

Get a Dutch phone number
It’s cheaper than roaming with your native number. If you’re only staying for a short while, you should consider getting a prepaid card. If you plan to hang around by the canals for a while, get a contract. At B&B we provide full-time employees with a company SIM card and cover your contract.

Home is where the WiFi is

We cover your accommodation for the first two weeks, but after that, you’ll have to find your feet yourself!

The Newcomer’s Guide to Amsterdam (4)

Where to look
The most popular websites are Funda and Pararius, where you can find both houses and apartments for rent and sale. Kamernet is especially good if you’re looking for rooms in shared apartments. Check out Aham if you want to rent for a good cause.

You can also find several groups on Facebook to find apartments or a room, for example, Amsterdam Housing and Apartments, Rooms and Houses in Amsterdam.

If you’re serious about settling down and have some serious money to spend on property, check out this map for average prices per square meter in the city before you decide.

In general, it’s smart to respond to as many ads as you can. You’ll often find some to be rented out already, so make sure to bet on multiple horses.

Areas in Amsterdam
Amsterdam has many great neighbourhoods to live in. De Jordaan is a classic neighbourhood with many picturesque apartment buildings and lovely bars. De Pijp is a neighbourhood where yuppies commonly settle down these days. De Baarsjes, a bit deeper in the west, isn’t that gentrified yet and home to many nice shops and bars. Oost (the east) is both similar and completely different to the west; a bit rougher around the edges.

The Spaarndammerbuurt is close to our office and considered a really nice place to live — many people seem to be eyeing it for their next move. Amsterdam Noord, only a ferry ride away, has become very popular in recent times as well, even more so now the new subway line from North to South is in transit.

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Places to live outside of Amsterdam
If you want to explore more of the Netherlands, there’s always the option of living in a different city close to Amsterdam. At B&B we have people living in Rotterdam and Nijmegen, travelling from home to the office in Amsterdam a couple of times a week.

The train service is good (most of the time), which makes it (fairly) easy to commute between different cities. On the occasion where all the trains are on fire, you can always work from home and join the rant about Nederlandse Spoorwegen (Dutch Railways). A great way to bond with the Dutch.

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Cost of living
Shared living arrangements can be found from €500 a month. A studio apartment costs €750 a month and upwards, while a 1-bedroom apartment can be found from €1200 a month. You might get lucky and find a 1-bedroom apartment for around €1000 a month, but don’t get your hopes up! Deposits are usually 1 or 2 months of rent.

Wi-Fi is approximately €60 a month, depending on your subscription (Ziggo has blazing fast internet). Electricity has a monthly average of somewhere around €120 a month (unless, of course, your apartment is boxed in by elderly neighbours).

Legal advice
Woon is a service that provides free legal advice concerning rental contracts. Before you rent a place, you can show them the contract and they’ll run all kinds of checks to see if you’re not being scammed. Excellent service!

Public transport
Get an OV-chipkaart for public transport. You can use this for metro, tram, bus and trains. The most important part of using public transport in the Netherlands is that you have to remember to check out when you hop off the bus, train, metro or tram. If you don’t, the credit you have on your card will keep being used as if you were still going places!

You can even have the chipcard top up automatically as soon as you run out, so you never have to visit a machine again. Find out how that works here.

Buy a bike
Everybody will tell you not to buy an expensive brand new bike to get around with. Instead, get a tweedehands fiets (second-hand bike) from Marktplaats or Cheapassbikes for up to €100. If you’re buying one, look for a Gazelle. It’s a decent bike brand.

Another alternative is Swapfiets. For a monthly fee, they provide you with a bike, and will even fix it up in no time or provide you with a new one if it breaks down.

Don’t forget to take good care of your bike, and get a sturdy lock so it doesn’t get stolen right away.

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To get ready for your housewarming party, you might want to buy some stuff to make your apartment a cosy place. What better place to start than IKEA?

There’s one IKEA in Haarlem and one in Amsterdam Zuid-Oost. You can also order a lot of things online and get them delivered to your home for a fee.

If you’re looking for second-hand goods, Marktplaats is the place to go. It’s the Dutch equivalent to Craigslist, so you’ll find everything from used cars to candy. Also, check out the app Letgo and Buy & Sell Amsterdam on Facebook.

At bol.com you can find pretty much anything, from cookware to dishwashing detergent, and from books to your favourite gadgets. Act like the Dutch and order everything online. Similarly, Coolblue has a wide range of products on offer and excellent delivery.

If you’re more keen on saving money for fancy stuff or art in your apartment, get on your feet and go to Lidl, Aldi or Dirk to buy cheaper groceries. Supermarkets like Albert Heijn or Jumbo are slightly more expensive but have a bigger selection. Sign up for Picnic if you prefer home-delivered groceries.

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Maybe you’re a social animal and want to get to know new people. Where to find them? Look no further.

Stalk your colleagues
In our newcomers guide to Oslo we recommended stalking your colleagues. The same applies to Amsterdam. Make sure to befriend everyone from work on Twitter, Facebook and Instagram, and go to events together.

Find events
On MeetUp you can find both meetings for expats and language groups, as well as groups for everything ranging between design and cooking, tech and board games. Local startup hub TQ also regularly hosts events that might interest you.

Learn the language
Dutch is a funny language, and quite hard to get a grip on. It’s roughly in between English and German. 1% of words in English are of Dutch origin, so you might even know some Dutch already!

Go to De Volkuniversiteit, and apply for a course! You’ll be saying de knecht van de kapper knipt knapper dan de kapper knippen kan in no time.

We cover 50% of the costs of your language course. Uitstekend!

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Health insurance
Everyone in the Netherlands is legally obliged to have standard health insurance. If you’re not covered by Dutch health insurance, you risk being fined and billed for the months you weren’t insured (ask Harry, he knows all about it). Just to make things more complicated, you’re not supposed to have two health insurances at the same time. If you’re getting a new one, remember to cancel the one you had before.

Check if you’ve been signed up for health insurance as soon as you can. If you’re not, get one immediately. If you register at IN Amsterdam, you can sign up for health insurance there. Independer.nl is a great site for comparing different insurances, and your colleagues in the office will surely be able to help you as well.

Social security
To see an overview of national insurance schemes that might affect you, check this list.

Find your doctor
In the Netherlands, you’re free to choose your own doctor within your postal code area. Search for doctors on Zorgkaart Nederland and check their ratings before you decide, or ask your colleagues for a recommendation. You’ll need to call the doctor and book the first appointment yourself.

Find your dentist
Check Tandarts for dentists, orthodontists and dental hygienists, or ask your friends and colleagues for a recommendation. Our favourite is Tandarts aan het IJ, conveniently located in our office building. Dental treatment is normally not covered by standard health insurance, but you can get it insured.

If you need tips for what to do in the city, make sure to check out our Amsterdam city guide.

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Welcome to Amsterdam!

The Newcomer’s Guide to Amsterdam (2024)

FAQs

Is 3000 euro a good salary in the Netherlands? ›

Yes 3000 Euros would make you live confortable. There is one thing that can make quite a difference though, it is that many Dutch companies provide a lease car. Driving a car is very expensive in the Netherlands, and this makes a huge difference.

Is 6000 euros a good salary in the Netherlands? ›

€6000 net for a family with one child is good. However rental prices in Amsterdam are sky high, so expect to spend about 1.500-2.000 on that.

How much money do you need to live comfortably in the Netherlands? ›

The cost of living in the Netherlands for a single person = ~ €1,782 per month and ~ €21,384 per year. Average cost of living in the Netherlands for a student = ~ €1,250 per month and ~ €15,000 per year. Cost of living in the Netherlands for a family = ~ € 4,102 per month and ~ €49,224 per year.

What is the minimum salary to live in Amsterdam? ›

Although cost of living varies considerably due to each individual's personal preferences and situation, according to our estimations a single person would need a net salary of €1,900 to live comfortably in most Dutch cities while a family of four would typically require a net salary of at least €4,800 per month.

Is 100k a good salary in Amsterdam? ›

For a typical Dutch household of 2 adults and 2 kids an aggregate gross income of € 100k/year is above average. Even without expat-specific tax cuts. On more than double that amount, you'll do more than just fine, even in relatively expensive Amsterdam.

Is 200k a good salary in Amsterdam? ›

This salary will make living in Amsterdam very hard to impossible. As an expat, at current rent prices you will be spending almost 2000 a month for rent, utilities and city taxes. Adding on top yours and your wife's health insurance you will be scraping by with two kids at best.

What is the average rent in Amsterdam? ›

On average, an Amsterdam apartment goes for 1,641 euros per month. Only London and Paris are more expensive with average rents of 1,850 euros and 1,964 euros per month respectively, Het Parool reports.

Is 70k euro a good salary in Amsterdam? ›

For a single individual, EUR 70,000 gross salary is a very high one even in Amsterdam (note the spelling), placing the individual in top 5% of workers. On the other hand, if this is supposed to support 2 adults (and 2 kids), it is really EUR 35,000 per adult which is close to the average.

What is the highest paid job in the Netherlands? ›

Average salary in the Netherlands by the highest-paid profession
ProfessionAverage Salary (EUR)
Chief Executive Officers146,540
Chief Financial Officers146,410
Orthodontists175,900
Pilots106,722
4 more rows
Jul 14, 2023

How much is a typical meal in Amsterdam? ›

Dining Out in Amsterdam
FoodAverage Cost
Sandwich€4 - €11
Lunch€8 - €15
Fast food€10 - €15
Dinner for 2€50 - €90
2 more rows

Does the Netherlands have free healthcare? ›

Does the Netherlands have free healthcare. The Netherlands has universal healthcare, but the government requires all adults living or working in the Netherlands to have basic insurance. The basic plan will cost € 100-120 out of pocket.

How much is a coffee in Amsterdam? ›

“It may be due to the group of respondents, but it may also be that guests no longer accept the high prices in the big cities, and entrepreneurs were forced to lower them.” A coffee currently costs 3.65 euros in Amsterdam, on average.

Can I live in Amsterdam as a US citizen? ›

If a person is not a national of an EU country, Liechtenstein, Norway, Iceland or Switzerland, they can live in the Netherlands provided they meet certain conditions. And they need to hold a residence permit.

Can I retire to Amsterdam? ›

You need to have lived and worked in the Netherlands for five years before you can gain permanent residency. This goes for both EU/EFTA and third-country citizens. There are also exceptions to this. EU/EFTA citizens can apply for permanent residency if they have retired after living in the country for three years.

What is 30 ruling in the Netherlands? ›

The 30% tax ruling is a tax advantage for highly skilled migrants in the Netherlands. An employer can pay up to 30% of the salary of an expat employee with the 30% ruling free of tax. An enormous tax saving for both employee and employer. Try our tax calculator to find out how much you can save with the 30% ruling.

What is a decent salary in the Netherlands? ›

Average income in the Netherlands

According to the Centraal Planbureau (CPB), in 2024, the median gross income for a person working in the Netherlands is 44.000 euros gross per year. A salary can vary greatly from the median income as it is influenced by age, sector, professional experience and hours worked.

Is 4000 euros a good salary in Netherlands? ›

€4000,- monthly net is a very good salary. Standard will be an additional 1 month's holiday pay, usually paid in april or may and often what is called a “thirteenth month”, an extra month's salary, paid with december's salary.

Is 3600 euros a good salary in Amsterdam? ›

€3600,- will definitely get you through the month. You can have a comfortable (not luxury) live. Finding a house in the centre can be a bit of a hassle, but if you manage to reserve around 1000–1300, you must be able find a really nice spot.

Is 2000 euro a good salary in the Netherlands? ›

The 2k euro per month is not a lot, but it depends also on whether this is your net income after you paid all your bills. If so, then it would be okay. If not, tough luck.

References

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