How to find a financial advisor in the Netherlands
Finding the right financial advisor in the Netherlands can help you make confident, informed decisions about your future. Whether you’re planning long-term savings, buying property, or trying to understand how Dutch finances work, professional guidance can make the process far smoother.
Relocating comes with plenty of perks (easy access to good cheese being one of them), but navigating a new financial system can feel overwhelming at first. A trusted advisor can help you understand your options, avoid costly mistakes, and build a financial plan that works across borders.
Here’s what you need to know:
- Why use a financial advisor in the Netherlands?
- How do financial advisors work in the Netherlands?
- How to find a financial advisor for expats
- Expat advice on banking
- Property advice for expats
Why use a financial advisor in the Netherlands?
Moving to another country often means adjusting to unfamiliar rules around taxes, pensions, investments, and property. The Dutch financial system is well structured, but it can be complex—especially if you’re managing income, savings, or assets in more than one country.
A qualified, English-speaking financial advisor can help you understand how everything fits together. Many advisors support expats with areas such as insurance planning, mortgages, retirement options, and cross-border financial considerations.
Beyond day-to-day guidance, a good advisor can also help you plan ahead. By identifying potential risks early and suggesting efficient financial strategies, they can help you protect your income and work towards long-term security—leaving you free to focus on settling into life in the Netherlands.
How do financial advisors work in the Netherlands?
Financial advisors in the Netherlands offer support in different ways, depending on their area of expertise. Some work primarily through in-person consultations, while others provide advice by phone or video call—useful if you’re planning your move from abroad.
Some professionals focus on specific areas, such as taxation, pensions, or investments. Others offer broader financial planning services that bundle several topics together, including insurance, savings, and long-term financial strategy.
Before committing, it’s worth clarifying what services are included, how the advisor is compensated, and whether they have experience working with international clients.
How to find a financial advisor for expats
If you’re still outside the Netherlands, you may want to explore relocation or international financial planning services before you move. These can help you prepare for the transition and avoid surprises later on.
If you’re already living in the country, you’ll find that there are many advisors who specialise in working with internationals. Expat-focused directories and referral platforms can help you connect with professionals who understand both Dutch regulations and international financial needs.
Expat advice on banking
Opening a Dutch bank account is usually one of the first financial steps after arriving. Having a local account makes it easier to receive a salary, pay rent, arrange insurance, and manage everyday expenses.
One of the best-known banks in the Netherlands is ABN AMRO. In addition to standard banking services, their advisors can help foreign residents choose an account that suits their situation and understand fees related to transfers, cards, and withdrawals.
Property advice for expats
For many internationals, buying a home in the Netherlands begins with browsing listings and ends with signing at the notary. The steps in between—especially arranging a mortgage—can be more complex.
A financial planner or mortgage advisor can help you understand how much you can borrow, what mortgage structures are available, and how Dutch lending rules apply to your situation as an expat.
Specialist providers such as Expat Mortgages focus on supporting international buyers and can guide you through the financing process from start to finish