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Moving to the Netherlands: Your First Steps in the Right Order

A practical checklist for newcomers: registering at the municipality, BSN, DigiD, bank account, health insurance, GP, housing rules and taxes, in the order you need them.

← Living in the NetherlandsGetting started6 min readUpdated 5 Oct 2026
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The first weeks, in order

  1. 1
    Register at the municipality

    Within 5 days of arriving, if you will stay at least four months. You need an address and ID; some documents need a legalised translation.

  2. 2
    Get your BSN

    Your citizen service number comes with registration. Employers, banks, doctors and the tax office all ask for it.

  3. 3
    Apply for DigiD

    Your login for government websites, including the tax office and your health insurer. The activation code comes by post.

  4. 4
    Open a Dutch bank account

    Needed for salary, rent and paying by "pin". Most banks need your BSN and address.

  5. 5
    Take out health insurance

    Within four months of starting to live or work here; the cover is backdated.

  6. 6
    Register with a GP and dentist

    Do this before you need one: many practices have waiting lists.

  7. 7
    Check your tax position

    The 30% ruling, tax credits and your first return.

Infographic: BSN, DigiD and MijnOverheid explained
ToolYour own deadlinesEnter your arrival date and get every registration, insurance and tax deadline in order.ToolCheck what you can claimEight questions, then every allowance and benefit for your household, with amounts.

Money and taxes

Infographic: the Dutch 30% ruling for skilled migrants
30% ruling
Tax-free allowance for recruited skilled migrants; apply with your employer within four months. See the 30% ruling.
First tax return
In your arrival year you receive an M-form instead of a normal return. See your first year as an expat.
Benefits
Healthcare, rent and childcare allowances. Check the toeslagen calculator.

Housing

Finding housing is the hardest part in most cities. Know the rent rules before you sign: many rents are capped by a points system, and the Huurcommissie can lower an excessive rent.

Infographic: social, mid-rent and free-sector housing compared

Planning to buy? See buying a home and the mortgage calculator.

Language and integration

Learn Dutch

English goes a long way, but Dutch opens doors at work, in local government and with neighbours.

Civic integration

Some non-EU newcomers must pass a civic integration (inburgering) exam within three years.

Vote locally

After five years of legal residence non-EU citizens can vote in municipal elections; EU citizens immediately.

Next: get to know Dutch culture and how Dutch politics works.

Sources

This article is based on these official pages. If anything here differs from them, the official page is right.

Ready to run your own numbers?

Relocation checklist
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