Find a trusted financial advisor in the Netherlands who can help you make informed financial decisions and plan confidently for your future. Relocating to the Netherlands comes with many exciting changes. From settling into a new lifestyle to discovering local traditions (and yes, plenty of cheese), there’s a lot to look forward to. However, managing your finances in a new country can quickly become complicated. That’s where a professional financial advisor can add real value. Whether you want to organize your banking, plan long-term finances, or understand how the Dutch financial system works, the right expert can help you save time, money, and unnecessary stress. Here’s what you need to know: Why use a financial advisor in the Netherlands? Moving abroad often means navigating an unfamiliar financial environment. Dutch tax rules, pension systems, insurance requirements, and mortgage options can differ significantly from what you’re used to, making it challenging to manage everything on your own. This is where an experienced, English-speaking financial advisor becomes especially helpful. Financial advisors in the Netherlands typically offer both tailored and packaged services, supporting expats with areas such as mortgages, insurance planning, savings strategies, and cross-border financial matters. With the right guidance, you can avoid costly mistakes, make smarter financial choices, and build a secure foundation for the future — allowing you to focus on settling into life in the Netherlands with confidence. How do financial advisors work in the Netherlands? Financial advisors in the Netherlands provide their services through various channels. Many offer in-person consultations, while others work over the phone or via online video meetings, which is especially convenient if you are planning your move from abroad. Some advisors specialize in a single area, such as tax or pension planning, while others provide broader financial packages covering multiple needs, including insurance, investments, and long-term financial planning. Choosing the right type of advisor depends on your personal situation and financial goals. How to find a financial advisor for expats If you haven’t moved to the Netherlands yet, working with an international financial advisor who offers relocation-focused services can be a smart first step. This can help you prepare in advance and avoid complications once you arrive. If you are already living in the Netherlands, finding support is still straightforward. Many financial advisors specialize in working with expats and internationals, offering guidance that takes cross-border income, assets, and future plans into account. Trusted directories and relocation service providers can help connect you with qualified professionals who understand expat-specific needs. Expat advice on banking Opening a Dutch bank account should be one of your first financial priorities after moving to the Netherlands. A local account is essential for receiving your salary, paying rent, setting up utilities, and managing everyday expenses. One of the most established banks in the Netherlands is ABN AMRO. The bank offers services designed for international clients and can advise on choosing the right account, helping you avoid unnecessary fees for withdrawals or international transfers. A financial advisor can also support you in comparing banks and accounts to ensure your setup matches your income structure and lifestyle. Property advice for expats For many expats, buying a home in the Netherlands begins with browsing listings on Funda and ends with signing the title deed. However, everything in between — from understanding the housing market to securing the right mortgage — can be complex. A financial advisor or mortgage specialist can guide you through the entire process, helping you assess affordability, compare mortgage options, and understand long-term financial implications. Expats looking for specialized mortgage advice may consider providers such as Expat Mortgages, which focus on supporting internationals buying property in the Netherlands.

Managing money across borders is one of the most common challenges expats face in the Netherlands. From earning a salary in euros to sending money abroad and paying everyday expenses, traditional banks often add complexity, delays, and hidden costs. Wise provides a practical alternative. With a multi-currency account, a European IBAN, and a debit card that works internationally, Wise allows expats to manage local and global finances from a single platform — transparently and efficiently. Table of contents At a glance: Wise in the Netherlands With a Wise EUR account, expats in the Netherlands receive local EUR account details (IBAN), allowing them to get paid, pay bills, and set up direct debits just like residents — while still managing money internationally. Key Wise features for expats Feature What it offers Wise transfers Send money to 140+ countries at the mid-market exchange rate Wise account Hold and convert 40+ currencies, receive money in 20+ currencies Wise card Spend in 150+ countries with low conversion costs Wise Business Multi-currency accounts, payment tools, and business debit cards Large transfers Discounts, fast delivery, and dedicated support for high-value payments About Wise Wise is a global financial technology company built to make international money management fairer and more transparent. It uses the real mid-market exchange rate and shows fees upfront, without hidden markups. For expats in the Netherlands, Wise offers flexibility: receive income locally, send money abroad, travel, or manage finances across multiple countries — all from one app. How to use Wise for money transfers Wise lets you see the exchange rate, fees, and delivery time before confirming a transfer. Most payments arrive within minutes or one business day. How to send money with Wise How to open a Wise multi-currency account Opening a Wise account in the Netherlands takes only a few minutes. Steps Verification usually completes within 1–2 working days. How to use a Wise account in the Netherlands With a Wise account, expats can: How to receive money with Wise Receiving money is simple and low-cost. You can hold funds in foreign currencies or convert them when exchange rates are favourable. How to get a Wise card in the Netherlands The Wise debit card is linked directly to your multi-currency account. How to order How to use the Wise card in the Netherlands The Wise card works anywhere Visa or Mastercard is accepted. You can: Payments are taken from the relevant currency balance or converted automatically at low cost. Using Wise digital cards Wise digital cards add an extra security layer: Ideal for subscriptions and online purchases. Using Wise Business in the Netherlands Wise Business supports freelancers, entrepreneurs, and international companies. Key details Most transfers arrive within seconds, with volume discounts for high monthly totals. Wise large-amount transfers Wise supports high-value international payments with: Common use cases include property purchases, investments, and international relocations. Is Wise safe and regulated? Yes. Wise is fully regulated and licensed in multiple jurisdictions, including the EU. Client funds are safeguarded and kept separate from company funds. Security features include: How to contact Wise customer service Support is available via: Wise does not operate physical branches, but support is available 24/7 for most services. Useful resources

Managing money across borders can be challenging when you live, work, or travel abroad. The Wise debit card is designed to simplify everyday payments by linking directly to a multi-currency account. It allows you to spend, withdraw cash, and convert money using the real exchange rate, with transparent and clearly displayed fees. For expats, international students, and frequent travellers in the Netherlands, the Wise card offers a practical alternative to traditional bank cards, especially when dealing with multiple currencies or overseas expenses. At a glance: Benefits of using the Wise card in the Netherlands Key points: Feature What it means for you Multi-currency support Hold and spend 40+ currencies from a single account and card Clear conversion fees Spend from existing balances or convert automatically with low, upfront fees ATM withdrawals Withdraw up to €200 per month with no Wise fee (limits apply) Digital & mobile payments Use a virtual card for online purchases or add the card to Apple Pay and Google Wallet Security & control Manage limits, freeze/unfreeze your card, and get instant transaction alerts in the app Can I get a Wise card in the Netherlands? Yes. Residents of the Netherlands can order a Wise debit card once they have an active Wise account. The card works in the Netherlands and internationally, allowing you to pay for daily expenses such as groceries, dining, transport, and travel. A one-time card fee of €7 applies. As soon as you order, a digital card is issued so you can start paying online or via mobile wallets while waiting for the physical card to arrive. Wise cards also come with built-in spending and withdrawal limits. These limits apply per transaction, per day, and per month, and differ by payment type (chip and PIN, contactless, online payments, or ATM withdrawals). All limits are visible and adjustable in the Wise app. Business users in the Netherlands can also request Wise business cards, which have separate limits and are designed for company expenses and contractor payments. Using the Wise card for everyday transactions in the Netherlands The Wise card works like a standard debit card for everyday spending, while offering additional flexibility for international users. You can: All transactions appear instantly in the Wise app, where spending is grouped by category (for example, groceries, transport, or dining), helping you track expenses more easily. Insider tip: OVpayPublic transport across the Netherlands now supports OVpay, which allows contactless payments with debit cards. Your Wise card can be used to tap in and out on trains, trams, metros, and buses, without needing a separate OV-chipkaart. This is particularly convenient for newcomers and short-term residents. Managing your card with the Wise app The Wise app acts as your control centre. From here, you can: Security features include two-factor authentication, biometric login, and real-time transaction notifications. Whether you’re in the Netherlands or travelling abroad, your account access remains the same. How do I put money on my Wise card? Before using the card, you need to add funds to your Wise account. Depending on the currency and country, you can usually top up via: Cash deposits via ATMs are not supported. Once funds are available in your account, your Wise card can be used immediately for payments or withdrawals. Wise card fees in the Netherlands Wise uses a transparent pricing model. Some services are free, while others incur small, clearly disclosed charges. Wise card pricing (Netherlands): Item Fee Card order €7 (one-time) Express delivery (optional) €10.40 Monthly or annual fee None Spending No Wise fee if paying from the same currency balance; conversion fees from ~0.47% ATM withdrawals Free up to €200/month (2 withdrawals), then €0.50 + 1.75% Digital card Free Replacement card €4 Expired card replacement Free Information checked: October 2025. Is the Wise card safe to use? Yes. The Wise card includes multiple security layers to protect your money. If your card is lost or stolen, you can freeze it instantly in the app and order a replacement. Good security practices include: How to get a Wise card in the Netherlands Ordering a Wise card can be done online or through the app. Steps: Standard delivery usually takes up to 14 working days. Express delivery is faster. Once the physical card arrives, you can start using it immediately with a chip-and-PIN payment. Moving to the Netherlands Wise cards are issued by region. If you relocate to the Netherlands from outside the EEA, you’ll usually need to order a new EEA-issued Wise card after updating your address. If you move within the EEA or Switzerland, you can generally continue using your existing card until it expires. After updating your Dutch address, you can order a new card, receive a digital version instantly, and begin using it for everyday payments while waiting for delivery. Where can I use my Wise card? The Wise card works in 140+ countries worldwide. It is suitable for travel within Europe and beyond, as well as for spending in your home country. You can hold balances in over 40 currencies and spend directly without conversion fees when paying in those currencies. Using the Wise card for international travel When travelling, the Wise card automatically selects the best available balance: This process happens automatically, without manual input. What are my Wise card spending limits? Wise applies default spending and withdrawal limits to all cards. These limits reset daily and monthly and apply across all cards linked to your account. You can: If you update your residence to the Netherlands, your limits automatically align with EEA cardholder rules. Key takeaways FAQs Is the Wise card a credit card?No. It’s a debit card. You can only spend the money available in your Wise account. How does the card choose which currency to use?It uses the local currency balance if available. Otherwise, it converts from another balance using Smart Conversion to minimise fees. Do I need to activate the card?No separate activation is required. Your first chip-and-PIN payment activates the physical card. How can I pay with

Sending or receiving money to or from the Netherlands is generally efficient and secure, thanks to the country’s well-developed banking system and wide range of digital financial services. Whether you are making occasional international payments or managing cross-border finances on a regular basis, understanding your available options can help reduce costs, avoid delays, and ensure funds arrive safely. This guide explains the main ways to transfer money to and from the Netherlands, including traditional banks, online services, and alternative transfer methods. Transferring money in the Netherlands From established banks to mobile-first financial platforms, there are several practical ways to send money internationally from the Netherlands. The most common options include: The cost, speed, and convenience of each option depends on the destination country and the provider used. Common international transfer methods compared Service Ease of use Cost Speed Summary Bank transfer Requires a bank account; completed online, via app, or in branch Higher fees and exchange rate markups Slower outside the EU Very secure, but often more expensive Online transfer service Online or app-based; paid via bank or card Lower fees and clearer pricing Fast Cost-effective and convenient Wire transfer service Online, app, or in person Higher fees and FX margins Fast Useful when recipient lacks a bank account SEPA and SWIFT payments Banks and transfer providers rely on international payment systems to move money across borders. The two most common are: SEPA (Single Euro Payments Area)SEPA enables euro transfers within participating European countries. Transfers are usually fast and low-cost, requiring only the recipient’s name and IBAN. SWIFT (Society for Worldwide Interbank Financial Telecommunications)SWIFT is used for international transfers beyond Europe and supports over 200 countries. Transfers typically require the recipient’s BIC/SWIFT code and are slower and more expensive than SEPA payments. How to send money from the Netherlands using your bank Using a traditional bank is one of the safest ways to send money abroad, though it can be slower and more expensive than alternative options. Most Dutch banks require transfers to be initiated online or via mobile banking. Some also offer in-branch services. A commonly used Dutch bank is ABN AMRO, which provides international transfer services through both online banking and its mobile app. How much do bank transfers cost in the Netherlands? Bank transfers usually involve two main costs: In addition, the recipient’s bank may deduct a receiving fee, especially for SWIFT transfers. How long do international bank transfers take? Some banks offer expedited transfers for an additional charge. Sending money from your Dutch bank: what you need Incorrect or incomplete details can result in delays or returned payments. How to receive money in the Netherlands via bank transfer To receive money by bank transfer, you typically need to provide the sender with: Sending money by mobile bank Mobile-only banks often provide competitive exchange rates and lower fees, making them popular for frequent international transfers. Commonly used mobile banks include: How to send money from the Netherlands by online transfer service Online money transfer services are among the fastest and most flexible options for international payments. Transfers are typically initiated via a website or mobile app. Popular providers include: Wise is frequently used by expats due to its transparent pricing and multi-currency account features, allowing users to hold and receive multiple currencies with local account details. How much does it cost to make an online money transfer? Online providers generally charge: Providers that separate fees from exchange rates make it easier to understand the total cost before sending. How long do international online transfers take? Many providers display estimated delivery times before confirmation. How to send money by online transfer How to receive money in the Netherlands by online transfer If the sender has your correct details, funds will be deposited directly into your account. Some providers allow you to receive money using local account details in multiple currencies, which can reduce international fees. How to send money internationally by wire transfer in the Netherlands Wire transfer services allow you to send money without using a traditional bank. Payments can be made online, via app, or in person. Major wire transfer providers include: These services are useful when recipients need cash pickup or do not have a bank account. How much do international wire transfers cost? Wire transfers often involve: Cash pickup options are typically more expensive than bank deposits. How long do international wire transfers take? How to receive money by wire transfer in the Netherlands To receive funds, you may need: How to avoid scams when using wire transfers Sending money by forex broker in the Netherlands Forex brokers may be suitable for large or recurring transfers. They can offer better exchange rates but usually require more setup and financial knowledge. This option is generally best for businesses or individuals transferring significant amounts. Sending money via cryptocurrency in the Netherlands Cryptocurrency transfers can be fast but involve higher risk due to volatility and limited regulation. Both sender and recipient need compatible wallets, and transaction fees apply. This method is not generally recommended for everyday transfers. Factors to consider when sending money to and from the Netherlands Safety and security for international money transfers International transfers are widely used and generally safe, particularly within the EU. However, it’s important to: Providers operating under EU regulation use security measures such as encryption, two-factor authentication, and compliance monitoring. Useful resources