Arrival Checklist

You need a valid passport, apostilled birth certificate, employment contract or proof of income, proof of accommodation, and passport-sized photos. EU citizens need a valid ID or passport. Non-EU citizens typically need a valid MVV or residence permit arranged through their employer or the IND.

You get your BSN (Burger Service Nummer) by registering at your local municipality (gemeente). Book an appointment online as soon as you know your arrival date — wait times in cities like Amsterdam can be 2-8 weeks. Bring your passport, apostilled birth certificate, and proof of address. Your BSN is issued at or shortly after the appointment.

Yes. Everyone living or working in the Netherlands must have basic health insurance (basisverzekering) within 4 months of arrival. The basic package is standardized by law, but premiums differ between providers. Average monthly premium is around EUR 140-160 in 2026. You may qualify for zorgtoeslag (healthcare allowance) if your income is below the threshold.

Most essential tasks (BSN registration, bank account, health insurance, phone number) can be completed within 2-4 weeks. Full administrative setup including DigiD, GP registration, and tax arrangements typically takes 1-3 months. Finding permanent housing in major cities can take 1-6 months due to market competition.

Some banks like bunq allow you to open an account without a BSN initially. Traditional banks (ING, ABN AMRO, Rabobank) require a BSN to complete the application. You can start the application process before receiving your BSN and finalize it once you have it.

Focus on the essentials: attend your BSN registration appointment at the gemeente, activate your health insurance, get a Dutch SIM card, and obtain an OV-chipkaart for public transport. If possible, also get a bicycle — it is the primary mode of transportation for most residents in the Netherlands.