Located in northwestern Europe, the Netherland's coastline lies on the North Sea, while its inland waterways, rivers and canals are symbolic, geographic and economic features of the country. Clogs, tulips and windmills are some of the iconic and somewhat archaic stereotypes that may come to mind when considering the Netherlands, but expats moving to this small European country are bound to encounter so much more.

Living in the Netherlands as an expat

The Netherlands is a country of mid-sized towns where even the capital, Amsterdam, has only around a million residents. That said, the Randstad – which contains Amsterdam, Rotterdam, The Hague and Utrecht – is populated by over eight million people. Nevertheless, from the smallest town to the largest city, there is an abundance of things to see and do, and, given the excellent and extensive transport system throughout the country, it's easy to get around.

Famously liberal and modern, the Netherlands is a global trendsetter in governance, banking and commerce, and consistently ranks as one of the top destinations in the world for expats to live and work in.

It is a secular state that respects diversity. The Dutch, in general, are known for their tolerance and liberal ideals, and like-minded expats typically have no problem integrating into a laid-back society that is at complete ease with 21st-century living. Some expats do experience elements of culture shock, and while English is widely spoken, learning the Dutch language may prove to be one such element.

Finding work in the Netherlands is often more challenging for citizens from outside the European Union, but the job market is broad, and expats employed here benefit from a great quality of life and a decent work-life balance.

Cost of living in the Netherlands

The cost of living in the Netherlands is undeniably high, particularly in the capital. Indeed, Amsterdam ranked as the 30th most expensive city in the world in 2024. But while other major Dutch cities such as Rotterdam and The Hague are by no means cheap, they do have a lower cost of living than Amsterdam.

Families and children in the Netherlands

Families can rest assured that they'll be well taken care of given the Netherlands' world-class healthcare system. The country is also home to excellent schools, and expat families with children will have access to both local and international institutions. There is also plenty for families to get up to in their spare time. The country's cycling culture is great for family outings, and when it's time for a getaway, expats will enjoy swapping the sophistication and bicycle-bustle of the country’s urban areas with the staggering beauty of its pristine coastline, rural villages and flat, picturesque expanses, which are interrupted only by occasional castles, canals and dykes.

Climate in the Netherlands

The country has a maritime climate that's fairly similar to England's, with rain throughout the year and variable changes in temperature. Owing to its small size, there's little variation between regions. We recommend investing in a good raincoat and umbrella, and having them at hand no matter the season.

With cosmopolitan and culture-rich cities, lush landscapes begging to be explored and friendly, accommodating people, the Netherlands offers an excellent quality of life, and expats who move here rarely regret it.

Fast facts

Population: Around 17.2 million

Capital city: Amsterdam

Neighbouring countries: The country is bound by Belgium to the south, Germany to the east and the North Sea to the northwest.

Geography: Situated on Western Europe's northern coast, the Netherlands consists of very flat terrain. Much of its land has been reclaimed from the sea and sits below sea level. 

Political system: Unitary parliamentary constitutional monarchy

Major religions: Mostly secular with a Catholic, Christian and Muslim minority

Main languages: Dutch is the official language. English, French and German are also widely spoken and understood. 

Money: The Euro (EUR), divided into 100 cents. There are ATMs everywhere, and expats can easily open bank accounts.

Tipping: Service charges are often included in the restaurant bill. If they aren't, tipping 10 percent for good service is perfectly acceptable.

Time: GMT+1 (GMT +2 from the last Sunday in March to the last Sunday in October).

Electricity: 230V, 50Hz. Two-pin European-style plugs are used.

Internet domain: .nl

International dialling code: +31

Emergency contacts: 112

Transport and driving: Cars in the Netherlands drive on the right-hand side of the road. The country has an extensive transport system and it's unlikely expats will need a car.

Expat Health Insurance

Cigna Health Insurance

Cigna Global Health Insurance.

Moving your family abroad can be intimidating, but learning about medical options such as family health insurance early on can help you settle successfully.

  • Comprehensive Family coverage, wherever you go
  • Paediatric coverage for well-child visits & immunizations
  • Access to dental and orthodontic care
  • 24/7 multilingual Customer Service

Get a quote from Cigna Global

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