
AOW: Building Up Your Dutch State Pension as an Expat
The AOW is the Dutch state pension, and you build it up 2% a year just by living here. Here is how it works, the gap from years abroad, and how to fill it.
Posts tagged Work from the Learn Dutch For Expats team.

The AOW is the Dutch state pension, and you build it up 2% a year just by living here. Here is how it works, the gap from years abroad, and how to fill it.

A Dutch job offer is quoted in bruto (gross), but you live on netto (net). Here is the difference, why you negotiate in bruto, and the vocab to get it right.

No doctor's note, no telling your boss what is wrong: Dutch sick leave has its own rules. Here is how to ziekmelden and what your employer may ask.

Maastricht is the Netherlands' most international city, and its university runs in English. So can an intern survive on English alone? Here is the honest answer.

Algemene voorwaarden, the Dutch terms and conditions, decide liability, payment and warranty. Here is what they cover, when they're binding, and the vocab.

Your Dutch payslip is a wall of abbreviations: brutoloon, loonheffing, vakantiegeld. Here is how to read a loonstrook line by line and track your holiday pay.

Working remotely from Dutch cafés? A little Dutch and a little etiquette go a long way. Here are the phrases, the laptop rules, and how not to annoy the barista.

A Dutch employment contract hides a lot in a few terms: bepaalde tijd, proeftijd, opzegtermijn, CAO. Here is what they mean before you sign your arbeidsovereenkomst.

Dutch parental leave is generous but jargon-heavy: ouderschapsverlof, geboorteverlof, partly paid by UWV. Here is what you're entitled to and how to email HR for it.

Rotterdam's tech scene runs largely in English, so do you need Dutch? Here is the real picture for a tech start in Rotterdam, and the Dutch that still pays off.

In Flanders, Dutch is the single biggest barrier to a job, and smaller companies rarely run in English. Here is the honest reality, and the level that opens doors.

Voornaam, achternaam, geboortedatum, handtekening: here is the vocabulary on almost every Dutch form, online or on paper, so you never fill in the wrong box.

Open a Dutch work email with the wrong word and you misjudge the room. Here is when to use Geachte, Beste or Hallo, how to close, and the etiquette behind it.

Can you swap your foreign licence for a Dutch one? Here is how rijbewijs omwisselen works, who qualifies (including the 30% ruling), and the RDW vocabulary.

A Dutch master's application often hinges on the motivatiebrief. Here is how to structure a motivation letter that gets you admitted, with the phrases that work.

Need your overseas degree to count in NL? Here is how diploma recognition (diplomawaardering) works via Nuffic and IDW, when you need it, and the vocabulary.

Ik vind, ik denk, volgens mij: the Dutch phrases for sharing an opinion, agreeing and disagreeing, so you can join a discussion and sound natural.

Going on holiday? A clear Dutch out-of-office (afwezigheidsbericht) covers you professionally. Here is what to include, the phrasing, and ready templates.

Working on a Dutch building site means PBM, VCA and the Arbowet. Here is the safety vocabulary, who pays for your gear, and the rules that keep you legal.

Freelancing in the Netherlands? A zakelijke rekening keeps your business money separate. Here is whether you need one, what it costs, and the vocab to open it.

Your first Dutch invoice (factuur) must carry specific legal details, or it is invalid. Here is exactly what goes on it, the BTW rates, and the payment-term rules.

A new Dutch job often needs a VOG, the certificate of good conduct. Here is what it is, how the online request via your employer works, the cost, and the timing.

Resigning from a Dutch job means a written notice and the right opzegtermijn. Here is how to quit properly, the notice rules, and a template ontslag letter.

Dutch pension paperwork is dense, but the system is one of the world's strongest. Here are the three pillars, where your money sits, and how to check it.

Dutch has two words for you: je and u. Here is when to use each, why the Dutch lean informal, and how to switch without causing offence.

Going freelance in the Netherlands means the KVK, a BTW number, and ZZP life. Here is the Dutch vocabulary to register and run your own Netherlands hustle.

The Netherlands is broadly LGBTQ+ friendly, but the language is still evolving, especially pronouns. Here is the inclusive Dutch you need for a modern workplace.

Lost your Dutch debit card or hit by a scam? Here is how to block (blokkeren) it instantly via the app or by phone, plus the words and the 0800 number.

Phone calls are hard in a new language. Here are the Dutch phrases to open, explain, ask to be put through, and end a call with confidence.

Once your Dutch account is open, you need the words to use it: overmaken, automatische incasso, saldo and storten. Here is the day-to-day banking vocabulary.

Your Dutch class never taught the casual office banter of the kantoortuin. Here is the watercooler small talk and slang that makes you one of the team.

Every May, a bonus lands in Dutch bank accounts: vakantiegeld. Here is what holiday allowance is, the 8% rule, when it's paid, and how to ask HR about it.

One toggle on your Dutch payslip, the loonheffingskorting, decides how much tax comes off each month. Here is what it is, where to apply it, and the second-job trap.

Returning to work while breastfeeding? Dutch law gives you real kolfrecht: paid time and a private room to pump. Here is what you're entitled to and how to ask.

A Dutch functioneringsgesprek or beoordelingsgesprek can feel brutally blunt. Here is the difference between the two, how to prepare, and the vocab to hold your own.

Lost your job in the Netherlands? You may qualify for a WW-uitkering via the UWV. Here is who's eligible, how to apply, the job-search duty, and the Dutch you need.

Studying in NL? DUO handles student finance: the basisbeurs, loans, the student travel product and tuition. Here is how studiefinanciering works and the terms.

Wat doe je voor werk? Here is how to say what you do, name your profession, and talk about where you work in Dutch, with the vocabulary for common jobs.

Off sick and sent to the bedrijfsarts? The company doctor is not your employer's spy. Here is what they may and may not share, and your rights under Dutch sick-leave law.

The 30% ruling lets eligible incoming workers receive part of their salary tax-free. Here is who qualifies, what changed for 2027, and the Dutch terms.

Facing bullying, harassment or a toxic situation at work? The Dutch vertrouwenspersoon is a confidential, independent person to turn to. Here is how it works.

Dutch law gives employees several kinds of leave beyond holiday. Here is the overview: calamiteitenverlof, zorgverlof, ouderschapsverlof, vakantiedagen and ATV.

A Dutch contract often starts with a proeftijd (trial period) when either side can end it instantly. Here are the rules, the time limits, and your protections.

Your pay, hours and leave may be set by a cao, not just your contract. Here is what a collective labour agreement is, when it applies to you, and the vocab.

Volunteering (vrijwilligerswerk) is one of the best ways to make Dutch friends and practise the language. Here is how to find a role and the vocabulary.

Your Dutch employer keeps mentioning the OR. It's the ondernemingsraad, the works council, with real power over company decisions. Here is what it is and does.

On a Dutch bouwplaats, the trades and materials have names you won't find in a textbook. Here is the core construction vocabulary to understand the foreman.

In the Netherlands, evenings and weekends are sacred, and staying late looks bad, not good. Here is the work-life-balance culture, and the Dutch to protect your time.

Applying for a Dutch job? Here is how a CV and sollicitatiebrief (cover letter) work here: what to include, what to leave out, and the key vocabulary.

Dutch employers love the assessment: capacity tests, a personality questionnaire, and a role-play simulation. Here is what to expect and the Dutch that gets you through.

You can land a Dutch tech job in English, but the promotion is another story. Here is how Dutch affects your career ceiling, and the level that actually moves the needle.

Eindhoven's Brainport runs on English at work, so why learn Dutch? Because life outside ASML does not. Here is the Dutch that makes an engineer's Eindhoven feel like home.

Can't log in, or hit an error you cannot read? Here is the Dutch to describe a tech failure to the helpdesk clearly, from foutmelding to netwerk, so it gets fixed fast.

A company car sounds like a perk until bijtelling lands on your payslip. Here is the Dutch, the 2026 rates, and the private-lease catch every expat should check first.

In a Dutch office you call the CEO by first name and openly disagree with your boss. Here is how flat the hierarchy really is, and the Dutch that fits it.

Your office runs in English, so your Dutch stalls. Here is how to enlist your colleagues, find a language buddy, and keep meetings partly in Dutch without slowing them down.

The ONA exit interview asks you to defend eight result cards about working in the Netherlands, in Dutch. Here is the vocabulary that gets you through the eindgesprek.

Dutch sick leave runs through the bedrijfsarts, not your GP, and a strict legal timeline. Here is what expats must know, and the phrases to protect your rights.

Burnout (overspannen) is recognised sick leave in the Netherlands, with real rights. Here is the Dutch and the process for taking stress leave the right way.

Dutch offices run on two things: endless overleg (consensus meetings) and the Friday borrel. Here is how the poldermodel works and the Dutch that makes you fit in.

Lose your job on a highly skilled migrant permit and a three-month clock starts. Here are the rules, the catches, and the Dutch to protect your stay.

Most Dutch interviews run in English, but a few warm Dutch lines set you apart. Here is how they work, the salary trap, and the Dutch that charms.

Dutch recruiters expect direct first contact. Here are LinkedIn pitch templates in blunt, ATS-friendly Dutch that get you past the machine to a person.

The quarterly BTW return induces the most freelancer dread. It needn't. Here is the rhythm, the 21%/9% rates, the KOR scheme, and the habit that prevents panic.

Your course is in English but the group chat is in Dutch. Here is how to be genuinely useful in an all-Dutch group assignment, part language, part strategy.

Sick and need to tell your Dutch boss? Here is how ziekmelden works, what you must (and must not) say, and ready-to-use Dutch messages.

TU Delft runs in English and the city is small and welcoming, so you can live here without Dutch. Here is the honest picture of what English-only quietly costs.

Leading a hybrid meeting in Dutch is its own skill. Here is the Dutch meeting culture (polderen), the phrases that run the room, and how to include the remote half.

Reaching Dutch clients by phone? Here are the cold-calling rules, whether to use English or Dutch, and a script that gets past the gatekeeper.

Dutch tech runs in English, until the standup slips into Dutch. Here are the words and phrases that keep international developers in the loop on a Dutch team.

Going freelance in the Netherlands starts at the KvK. Here is the step-by-step guide to registering an eenmanszaak, what you need, and how VAT follows automatically.

Pasting translated Dutch into work Slack reads as stiff and robotic. Here is how to write short, natural messages your colleagues actually sound like.

Noon at a Dutch office: everyone unwraps a cheese sandwich. Here are the unwritten rules of the broodje kaas lunch, and the small talk that bonds you in.

Got a hospitality job in Amsterdam? Here is the bar and cafe Dutch you actually hear on shift: orders, slang, the bill, and tips.

A Dutch PhD defense is a scripted public ceremony in formal Dutch. Here is the protocol, the pedel, the paranymphs, and the exact lines you say.