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    <title>Expat Money guides</title>
    <link>https://expatmoney.nl/blog</link>
    <description>Plain-English money guides for people who moved to the Netherlands.</description>
    <language>en</language>
    <lastBuildDate>Sun, 11 Oct 2026 12:44:16 GMT</lastBuildDate>
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    <item>
      <title><![CDATA[Apple Pay and Google Pay in the Netherlands: Which Banks and Cards Work]]></title>
      <link>https://expatmoney.nl/blog/apple-pay-google-pay-netherlands</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/apple-pay-google-pay-netherlands</guid>
      <description><![CDATA[Which Dutch banks and card issuers support Apple Pay and Google Pay, from ING, ABN AMRO and Rabobank to bunq, Revolut, N26, ICS and Amex, how to add a card, and where you can pay with your phone.]]></description>
      <category>guides</category>
      <pubDate>Sun, 11 Oct 2026 14:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[Using a Dutch Bank Card Abroad: Why It Stops Working and What to Change]]></title>
      <link>https://expatmoney.nl/blog/dutch-bank-card-abroad</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/dutch-bank-card-abroad</guid>
      <description><![CDATA[ING debit cards work worldwide; ABN AMRO and Rabobank cards are set to Europe until you change them. Maestro against the new Visa and Mastercard debit cards, and what to take as a backup.]]></description>
      <category>guides</category>
      <pubDate>Sun, 11 Oct 2026 13:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[Can a US Citizen Open a Bank Account in the Netherlands?]]></title>
      <link>https://expatmoney.nl/blog/us-citizen-bank-account-netherlands</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/us-citizen-bank-account-netherlands</guid>
      <description><![CDATA[Yes, with a US tax number: under FATCA every Dutch bank reports US account holders to the IRS. Who is a US person, why some banks and Raisin refuse them, and what to have ready.]]></description>
      <category>guides</category>
      <pubDate>Sun, 11 Oct 2026 12:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[Will Dutch Savings Rates Go Up or Down? How the ECB Rate Reaches Your Account]]></title>
      <link>https://expatmoney.nl/blog/will-savings-rates-go-up-or-down-netherlands</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/will-savings-rates-go-up-or-down-netherlands</guid>
      <description><![CDATA[Dutch savings rates follow the ECB’s deposit rate, slowly and only partly. Today’s ECB rate, what DNB found about how much banks pass on, and what you can do instead of waiting.]]></description>
      <category>guides</category>
      <pubDate>Sun, 11 Oct 2026 11:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[Can You Get a Credit Card in the Netherlands as a Student or on a Temporary Permit?]]></title>
      <link>https://expatmoney.nl/blog/credit-card-students-netherlands</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/credit-card-students-netherlands</guid>
      <description><![CDATA[What Dutch credit card issuers ask of students and newcomers: a minimum income, a Dutch address, and at ABN AMRO a permanent permit or Dutch ID. Who accepts a foreign passport, and what to use until you qualify.]]></description>
      <category>guides</category>
      <pubDate>Sun, 11 Oct 2026 10:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[Which Cards Work in the Netherlands? Debit, Credit and Amex at the Till]]></title>
      <link>https://expatmoney.nl/blog/cards-accepted-in-the-netherlands</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/cards-accepted-in-the-netherlands</guid>
      <description><![CDATA[Debit cards work almost everywhere in the Netherlands; credit cards and American Express do not. What Albert Heijn, public transport and Dutch shops accept, and what changed when Maestro went.]]></description>
      <category>guides</category>
      <pubDate>Sun, 11 Oct 2026 09:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[Joint Bank Accounts in the Netherlands: How They Work for Couples]]></title>
      <link>https://expatmoney.nl/blog/joint-bank-account-netherlands</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/joint-bank-account-netherlands</guid>
      <description><![CDATA[How a Dutch joint account (en/of-rekening) works, which banks offer one, including bunq, Revolut and N26, how the deposit guarantee covers it and how it goes in your tax return.]]></description>
      <category>guides</category>
      <pubDate>Mon, 05 Oct 2026 18:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[Do Dutch Savings Rates Beat Inflation?]]></title>
      <link>https://expatmoney.nl/blog/savings-rates-vs-inflation-netherlands</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/savings-rates-vs-inflation-netherlands</guid>
      <description><![CDATA[Dutch inflation against today’s savings rates, how to work out the real return on your savings, and how box 3 tax changes the sum. Live rates and CBS’s latest inflation figure.]]></description>
      <category>guides</category>
      <pubDate>Mon, 05 Oct 2026 17:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[Does a Credit Card Affect Your Mortgage in the Netherlands?]]></title>
      <link>https://expatmoney.nl/blog/credit-card-mortgage-netherlands</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/credit-card-mortgage-netherlands</guid>
      <description><![CDATA[A credit card registered at BKR lowers what you can borrow for a mortgage: lenders count 2% of the limit every month. Why most Dutch charge cards are not registered, and what to do before you apply.]]></description>
      <category>guides</category>
      <pubDate>Mon, 05 Oct 2026 16:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[Savings Accounts for Children in the Netherlands, and How They Are Taxed]]></title>
      <link>https://expatmoney.nl/blog/child-savings-account-netherlands</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/child-savings-account-netherlands</guid>
      <description><![CDATA[How a savings account for your child works at ING, ABN AMRO and Rabobank, what you need to open one, why a child’s savings count in your box 3, and how much you can give tax-free in 2026.]]></description>
      <category>guides</category>
      <pubDate>Mon, 05 Oct 2026 15:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[Leaving the Netherlands: What to Do With Your Dutch Bank Accounts]]></title>
      <link>https://expatmoney.nl/blog/leaving-the-netherlands-bank-accounts</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/leaving-the-netherlands-bank-accounts</guid>
      <description><![CDATA[Can you keep a Dutch bank account after you move abroad? What ING, ABN AMRO, Rabobank and bunq do with customers abroad, the fees, and how your savings are taxed once you have left.]]></description>
      <category>guides</category>
      <pubDate>Mon, 05 Oct 2026 14:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[Tax on Revolut, Trade Republic and Other Foreign Savings in the Netherlands]]></title>
      <link>https://expatmoney.nl/blog/tax-on-foreign-savings-accounts-netherlands</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/tax-on-foreign-savings-accounts-netherlands</guid>
      <description><![CDATA[Savings at Revolut, Trade Republic, N26 or a bank back home count in Dutch box 3 like a Dutch account. How to declare them, what is not pre-filled, and why no tax is taken off the interest.]]></description>
      <category>guides</category>
      <pubDate>Mon, 05 Oct 2026 13:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[Can You Use iDEAL and Tikkie Without a Dutch Bank Account?]]></title>
      <link>https://expatmoney.nl/blog/ideal-tikkie-without-dutch-bank-account</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/ideal-tikkie-without-dutch-bank-account</guid>
      <description><![CDATA[Which banks work with iDEAL (now iDEAL | Wero) and Tikkie in the Netherlands, including Revolut, N26 and bunq, and what to do if yours does not.]]></description>
      <category>guides</category>
      <pubDate>Mon, 05 Oct 2026 12:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[Can a Dutch Employer or Company Refuse Your Foreign IBAN?]]></title>
      <link>https://expatmoney.nl/blog/foreign-iban-netherlands</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/foreign-iban-netherlands</guid>
      <description><![CDATA[Your salary, rent and direct debits can go to a German, Lithuanian or Belgian IBAN: EU rules forbid IBAN discrimination for euro accounts. What is covered, what is not, and how to report it to DNB.]]></description>
      <category>guides</category>
      <pubDate>Mon, 05 Oct 2026 11:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[Is My Savings Safe? The Deposit Guarantee in the Netherlands Explained]]></title>
      <link>https://expatmoney.nl/blog/deposit-guarantee-netherlands</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/deposit-guarantee-netherlands</guid>
      <description><![CDATA[How the €100,000 deposit guarantee works for savers in the Netherlands, which country covers bunq, Revolut, N26, Trade Republic and Raisin banks, and what is not covered.]]></description>
      <category>guides</category>
      <pubDate>Mon, 05 Oct 2026 10:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[Charge Card or Credit Card? How Dutch Credit Cards Work]]></title>
      <link>https://expatmoney.nl/blog/charge-card-vs-credit-card-netherlands</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/charge-card-vs-credit-card-netherlands</guid>
      <description><![CDATA[Most credit cards in the Netherlands are charge cards: the whole bill is collected each month, with no interest. What that means for BKR, fees and getting one as an expat.]]></description>
      <category>guides</category>
      <pubDate>Mon, 05 Oct 2026 09:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[Box 3 Tax on Savings in 2026: How It Works for Expats]]></title>
      <link>https://expatmoney.nl/blog/box-3-wealth-tax-savings-expats</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/box-3-wealth-tax-savings-expats</guid>
      <description><![CDATA[How the Dutch Box 3 wealth tax works in 2026 — deemed returns, tax-free allowances, savings vs investments, and strategies to minimize your tax bill.]]></description>
      <category>guides</category>
      <pubDate>Fri, 20 Feb 2026 10:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[How to Build a Credit History in the Netherlands as an Expat]]></title>
      <link>https://expatmoney.nl/blog/build-credit-history-netherlands</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/build-credit-history-netherlands</guid>
      <description><![CDATA[Understanding the Dutch BKR credit system — how it works, what gets registered, why it matters for mortgages, and how to build a positive financial profile.]]></description>
      <category>tips</category>
      <pubDate>Sun, 08 Feb 2026 10:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[How to Get a Credit Card as an Expat in the Netherlands]]></title>
      <link>https://expatmoney.nl/blog/how-to-get-credit-card-expat-netherlands</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/how-to-get-credit-card-expat-netherlands</guid>
      <description><![CDATA[A practical guide to credit card requirements, BKR checks, the best credit card options, and tips for expats trying to get approved in the Netherlands.]]></description>
      <category>guides</category>
      <pubDate>Thu, 22 Jan 2026 10:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[The 30% Ruling in 2026: Who Qualifies and How to Apply]]></title>
      <link>https://expatmoney.nl/blog/30-percent-ruling-explained</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/30-percent-ruling-explained</guid>
      <description><![CDATA[Who qualifies for the Dutch 30% ruling in 2026, the salary thresholds and the €78,600 cap, the drop to 27% from 2027, and how your employer applies.]]></description>
      <category>guides</category>
      <pubDate>Tue, 20 Jan 2026 10:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[How to Avoid Foreign Transaction Fees in the Netherlands]]></title>
      <link>https://expatmoney.nl/blog/avoid-foreign-transaction-fees</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/avoid-foreign-transaction-fees</guid>
      <description><![CDATA[Practical tips for expats to avoid or minimise foreign transaction fees on credit cards, debit cards, and international transfers in the Netherlands.]]></description>
      <category>tips</category>
      <pubDate>Sat, 17 Jan 2026 10:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[What Is a BKR Check? The Dutch Credit Register for Expats]]></title>
      <link>https://expatmoney.nl/blog/bkr-credit-check-explained</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/bkr-credit-check-explained</guid>
      <description><![CDATA[What the Dutch credit register BKR records, how long entries stay, how to check your own record for free, and how it affects credit cards and mortgages.]]></description>
      <category>guides</category>
      <pubDate>Fri, 16 Jan 2026 10:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[Expat Banking in the Netherlands: Complete 2026 Guide]]></title>
      <link>https://expatmoney.nl/blog/expat-banking-netherlands-guide</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/expat-banking-netherlands-guide</guid>
      <description><![CDATA[Everything you need to know about opening a bank account, getting a BSN, choosing the best bank, and managing your money as an expat in the Netherlands.]]></description>
      <category>guides</category>
      <pubDate>Thu, 15 Jan 2026 10:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[5 Ways to Maximise Your Savings Interest in the Netherlands]]></title>
      <link>https://expatmoney.nl/blog/maximise-savings-interest-netherlands</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/maximise-savings-interest-netherlands</guid>
      <description><![CDATA[Practical strategies for expats to earn more interest on their savings in the Netherlands, from choosing the right account to optimising across multiple banks.]]></description>
      <category>tips</category>
      <pubDate>Tue, 13 Jan 2026 10:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[How to Open a Bank Account in the Netherlands Without a BSN]]></title>
      <link>https://expatmoney.nl/blog/opening-bank-account-without-bsn</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/opening-bank-account-without-bsn</guid>
      <description><![CDATA[Which banks let you open an account in the Netherlands before you have a BSN (bunq, ABN AMRO, ING, Revolut, N26), and what happens after 90 days.]]></description>
      <category>guides</category>
      <pubDate>Mon, 12 Jan 2026 10:00:00 GMT</pubDate>
    </item>
    <item>
      <title><![CDATA[Sending Money Abroad from the Netherlands: Best Options Compared]]></title>
      <link>https://expatmoney.nl/blog/sending-money-abroad-netherlands</link>
      <guid isPermaLink="true">https://expatmoney.nl/blog/sending-money-abroad-netherlands</guid>
      <description><![CDATA[The cheapest ways to send money abroad from the Netherlands: when your Dutch bank is fine (euros within SEPA) and when Wise, Revolut or OFX cost less.]]></description>
      <category>guides</category>
      <pubDate>Sat, 10 Jan 2026 10:00:00 GMT</pubDate>
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