Financial Planning For UK Expats in Netherlands - Blacktower Financial Management EU (2024)

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Enjoy the Dutch’s high standards of living, healthcare and education, knowing your finances are safe and secure.


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with pensions, savings & investments


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Average yearly wage

36,500 EUR

Average retirement age


Average weekly working hours

38 hours


Euro (EUR)

We are one of the most comprehensive and experienced wealth management companies around and our range of holistic financial planning services covers all your needs whether you are in the world.

Living in the Netherlands

The Netherlands is one of the world’s great cosmopolitan countries; and is often referred to as the Gateway to Europe, as it’s linked together with Belgium, France and Germany.

However, it’s so much more than just a “gateway”. In fact, the Netherlands has one of the richest artistic heritages in the world; with Van Gogh, Rembrandt, Vermeer and Mondrian amongst its finest cultural exports.

Expatriate life in the Netherlands makes for an exciting, welcoming and varied experience. There are thought to be around 75,000 expats currently calling the Netherlands home, with one in four of all high-wage staff in the Netherlands hailing from Britain or Germany.

Although expats in the Netherlands find life is – for the most part – enjoyable and inspiring, the Dutch bureaucracy can present challenges, so it’s a good idea for the expat to have an experienced adviser to help them cut through the red tape.

Benefits of living in the Netherlands

With a lowunemployment rate of just 4%,expats come flocking to the country to help out with the skills shortage in the engineering, IT and healthcare sectors – and of course, to reap the many benefits of living and working in the Netherlands.

High standards of living

You’ll get to enjoy a good quality of life if you choose to move to the Netherlands. Whilst property prices may be higher than other countries in Europe, the standards reflect this: for the most part, you won’t need to worry about the likes of damp issues or substandard appliances.

Low crime rates

The Netherlands has one of the lowest levels of crime rates in the world – credited due to the low levels of poverty, the Dutch’s drugs policies, and their system preferring rehabilitation as opposed to incarceration.

Great base to explore

If you prefer to spend your weekends exploring, the Netherlands offers you a great base to do so. Not only do you border Belgium and Germany, you can also easily catch the Eurostar to the UK, or catch a train through to central and eastern Europe. With 20 days of holiday plus bank holidays a year, you’ll have a lot of time to explore.

Best cities to move to in the Netherlands

Whether you favour bustling city life, or a quieter country abode, rest assured that there will be the perfect place in the Netherlands for you…


  • Average house price: 507,475 EUR (£458,575)
  • Pint of beer: 5 EUR (£4.50)
  • Cappuccino: 3.38 EUR (£3.05)
  • Meal in a restaurant: 16 EUR (£14.50)
  • Monthly public transport pass: 97.50 EUR (£88.11)
  • Population: 1,149,000

The capital of the Netherlands and home to 821,752, Amsterdam is popular amongst professionals and singles alike. The largest sectors here are tech, marketing and communications and engineering – although the entrepreneurial scene is growing, withStartUpAmsterdamsupporting local start-ups.

Amsterdam is nothing if not a city of contrasts: despite its quaint streets with winding canals and pretty buildings, it still offers a big city feel, with lots of cultural attractions, including the Anne Frank Museum, the Rijksmuseum, and Vondelpark. However, its easy access to the Dutch countryside means you can escape the hustle and bustle whenever you need to, to enjoy some much-needed peace and quiet.


  • Average house price: 297,294 EUR (£322,796)
  • Pint of beer: 4 EUR (£4.05)
  • Cappuccino: 2.95 EUR (£2.67)
  • Meal in a restaurant: 13 EUR (£11.75)
  • Monthly public transport pass: 80 EUR (£72.30)
  • Population: 1,009,000

Located one hour south of Amsterdam, the Netherlands’ second biggest city’s main drawing point is its lower housing costs – not to mention a larger availability of properties to rent. Hugely popular amongst expats, Rotterdam has an international and diverse feel; and its modern architecture ensures it has a distinctly different atmosphere when compared to Amsterdam.

Energy, logistics, food and chemicals are some of the leading industries in Rotterdam. The city itself is centred around its port, with other top attractions including its Cube Houses, the Erasmus bridge (often nicknamed ‘The Swan’), and the Market Hall.

The Hague

  • Average house price: 357,217 EUR (£268,647)
  • Pint of beer: 3.78 EUR (£3.42)
  • Cappuccino: 2.72 EUR (£2.46)
  • Meal in a restaurant: 10 EUR (£9.05)
  • Monthly public transport pass: 65 EUR (£58.74)
  • Population: 698,000

A common phrase amongst the Dutch is: “Amsterdam to party, Rotterdam to work, and The Hague to live.”. Situated on the shores of the North Sea, many expats that live here are diplomats, due to the sheer number of embassies located in this city. However, there are many opportunities in the oil and gas, life science, and aerospace sectors too.

The Hague isn’t short of things to do on your days off – from visiting the Mauritshuis Museum, to drinks at one of the outdoor bars by the Scheveningen seaside, to admiring the views from The Hague Tower, there are lots of things to keep you occupied. Plus, with the Netherlands boasting great transport links, you can reach Rotterdam by high-speed train in 25 mins, and Amsterdam in 40 minutes.

Managing your finances in the Netherlands

The standard of living in the Netherlands is very high, so it’s a good idea to have the kind oftax, inheritance,pensionsandwealth managementadvice in place that can help you enjoy its benefits in confidence.

Situated close to The Hague City Centre and Den Haag Centraal station, our experts are able to help you confidently negotiate all cross-border issues to ensure the best possible asset protection, expat wealth management and retirement planning advice.Contact us todayfor more information.

If you would like a member of the team to call at a time to suit you, why not fill in our contact form above. Or, to call the offices directly, please dial +31 70 800 2098.

Alternatively, find out more aboutDutch nationals with UK pensions.

Contact the Netherlands Administration Office

De Haagsche Zwaan, Schenkkade 50K, 2595 AR, The Hague, The Netherlands

Tel: +31 704 500 060

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Blacktower was created to bring independent wealth management advice and financial planning solutions to a global client base. Since its inception over 30 years ago, the business has grown from strength to strength into one of the most recognised industry leaders.

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Financial Planning For UK Expats in Netherlands - Blacktower Financial Management EU (2024)


Are financial planners in demand UK? ›

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Due to an emerging middle class in other countries such as China, a multitude of finance jobs have moved overseas and allowed greater flexibility to financial professionals. One of the best ways to get a finance job overseas is to work for a U.S.-based financial service company that does business internationally.

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What Percentage of Financial Advisors are Successful? 80-90% of financial advisors fail and close their firm within the first three years of business. This means only 10-20% of financial advisors are ultimately successful.

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If you're wondering whether doom and gloom stories about financial advisors becoming obsolete, here's some reassurance: people will always need financial advice.

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Many financial advisors and firms will earn fees directly from their clients.

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In 2022, 35 percent of Americans worked with a financial advisor, while 57 percent said that they didn't have a financial representative.

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The feasibility of serving foreign clients as a Registered Investment Advisor (“RIA”) does not differ significantly from the challenges of doing so under a broker/dealer affiliation. What is similar under both approaches is the Anti-Money Laundering (“AML”) regulations that must be followed.

Is there a shortage of financial advisors UK? ›

The research also sought the opinions of UK financial advisers and planners and found 42 per cent said the current shortage of IFAs and wealth managers is set to increase in the future. Some 5 per cent of those surveyed went further, saying it will increase “dramatically” over the next five years.

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Finance professionals are benefiting from the current tight job market in the UK. According to Robert Half's 2024 Salary Guide, employers continue to battle for talent amid skills shortages and a historically low unemployment rate.

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Financial Advisors have the potential to earn a very healthy income. Salaries can vary depending on a number of different factors such as experience, specialisation, and the size of the client base. Successful Financial Advisors are often well compensated for their expertise and the value they provide.

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