Lower Your Monthly Bills: The Expat’s Guide to Connecting the Best Services in the Netherlands.
Energy & Gas
Health Insurance
Internet & TV
Home Insurance
International Transfers
The automated roadmap for newcomers and settled expats in the Netherlands
Get Quotes for:
Real Estate
Energy & Gas
Health Insurance
International Transfers
Internet & TV
Home Insurance
Access direct comparisons from top Dutch providers in one place with no language barriers.
The automated roadmap for newcomers and settled expats in the Netherlands. We track your bills and milestones, so you don’t have to.
New to the Netherlands? See My Comprehensive Step-by-Step Roadmap for a smooth move. - Click Here
Current Exchange Rates
Why Choose LivinginNL
Built by Expats, Driven by Community
I built this roadmap based on my own move from South Africa, because missing a health insurance deadline or a 'Switching Season' shouldn't be the cost of moving to a new country:
-
Same Rates or Less: We receive a small commission from our partners, but it never impacts your price. You get the exact same rates (or lower) as going direct, while helping us keep our English-language tools free for the community.
-
Collective Bargaining: We are building a community of expats. As we grow, we use our collective size to negotiate exclusive "Roadmap-only" discounts and bonuses that individuals simply can’t get on their own..
-
Language is No Barrier: No more Google Translate. We provide all the tools, comparisons, and roadmaps in clear English, ensuring you understand exactly what you are signing up for.
-
Our service is 100% free for everyone, including locals. We receive a commission from our partners for successful referrals, which allows us to provide our services and support at no cost to the community. This never increases your price, you always get the direct market rate or better, with the added benefit of our roadmap and tracking tools.
How It Works
Take control of your monthly bills:
-
Your Expat Dashboard acts as your Dutch Administrative Clock. By setting your arrival date, we track your mandatory deadlines from your 4-month health insurance window to annual 'Switching Seasons', sending you the exact links and reminders you need, exactly when you need them.
-
If you are already settled in the Netherlands, we monitor your contract expiry dates and annual rate changes, sending you the exact links and reminders you need to ensure you never pay the 'loyalty tax' again."
-
We direct you to the top-rated Dutch providers. We’ve filtered out the noise, providing you with the most reliable, expat-friendly choices in clear, easy-to-read English.
-
Secure Your Savings. Sign up via our links to unlock your rates. Your dashboard will then monitor the market and alert you the moment a better deal arrives next year, so you never overpay again.
My Dashboard
_edited.png)
Register Here
-
Smart Quote Engine: Stop searching. Get instant access to pre-filtered, expat-friendly rates that the locals use.
-
The "Switching Season" Shield: We track your contract end-dates and alert you before price hikes kick in. You get the exact links to switch, ensuring you never pay the "Loyalty Tax" on your bills again.
-
Your Digital Concierge: Access your interactive step-by-step checklist with direct provider links and mandatory Dutch deadlines—all in one secure dashboard.
The Expat Roadmap — A Preview of Your Journey
The Expat Roadmap — A Preview of Your Journey
Access the complete interactive checklist and direct provider links by creating your free account. Plus, we’ll automate your future savings by alerting you when it’s time to switch and save again.
1.1.
Secure a Home
Secure a home before you land.
2.
Open A Digital Bank Account
Set up a digital-first account to handle deposits and daily essentials using a card that actually works in Dutch supermarkets.
3.
Arrival & BSN Registration
Visit the municipality to receive your Citizen Service Number (BSN) or "Burgerservicenummer", the essential key for working and living in the Netherlands.
4.
Applying For An OV-Chipkaart
Master the Dutch public transport system by securing a personal travel card
5.
Open A Dutch Bank Account
Transition to a local IBAN to manage long-term contracts, salary payments, and the Dutch "Tikkie" culture.
6.
Health & Global Money Transfers
Meet your legal health insurance obligations and move your global savings efficiently using specialist exchange rates.
7.
Buying A Home & Insurance
Move from renting to owning by navigating the bidding process and securing the mandatory Dutch home insurances.
8.
(Optional) Internet & TV
Connect your home with the fastest local fiber-optic or cable providers tailored to your specific neighborhood.
What Our Clients Say
Ravi P. - Made my move smooth!
Ravi P.
Sarah L.
Emma J. - Highly recommended for expats.
Emma J.
Michael B.
Liam K. - Great insights into Dutch life!
Liam K.
Nina M.