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Dutch for money: bank, bills, insurance and the Belastingdienst
Dutch money words in five short game lessons: opening a bank account, paying bills, budgeting, health insurance and the tax return. Every word has audio.
Good to know
Health insuranceBasic health insurance is compulsory for everyone who lives or works in the Netherlands.Source: Government.nl โ Health insurance
Eigen risico 2026You pay the first โฌ385 of care from the basic package yourself; GP visits don't count towards it.Source: Rijksoverheid โ Eigen risico
Tax returnThe deadline is 1 May. If you ask for an extension in time, you get until 1 September.Source: Belastingdienst โ Uitstel aanvragen voor de belastingaangifte
Debts?Your gemeente offers free help with debts (schuldhulpverlening).Source: Rijksoverheid โ Wat doet de gemeente om mij te helpen bij schulden?
Dutch money words: bank, bills, insurance and tax
All the Dutch money words from the five lessons, grouped by topic: the example conversation, then every word with its English meaning. Tap โถ to hear it.
Opening a Dutch bank account
Bankrekening, pinpas, saldo and more.
Example conversation
- Ik wil een bankrekening openen.I'd like to open a bank account.
- Dat kan online of op afspraak. Heeft u een BSN?You can do that online or by appointment. Do you have a BSN?
- Ja. Krijg ik ook een pinpas?Yes. Do I get a debit card too?
- Ja, die wordt binnen een week opgestuurd.Yes, it'll be sent to you within a week.
Word list
| Dutch | English |
|---|---|
| de bankrekening | bank account |
| openen | to open |
| de pinpas | debit card |
| de pincode | PIN |
| het rekeningnummer | account number |
| het saldo | balance |
| sparen | to save |
| lenen | to borrow, to lend |
| opsturen | to send (by post) |
โถ Practise this as a game: Opening a bank account
Paying bills in Dutch: rekening, factuur, incasso
From an overschrijving to a herinnering and a boete.
Example conversation
- Ik heb een rekening van de energiemaatschappij gekregen.I've received a bill from the energy company.
- Hoeveel moet je betalen?How much do you have to pay?
- Honderdtwintig euro. Ik betaal het via een overschrijving.A hundred and twenty euros. I'll pay it by bank transfer.
- Je kunt ook een automatische incasso regelen.You can also set up a direct debit.
Word list
| Dutch | English |
|---|---|
| de energiemaatschappij | energy company |
| de overschrijving | bank transfer |
| de automatische incasso | direct debit |
| regelen | to arrange, to sort out |
| de betaling | payment |
| de factuur | invoice |
| de schuld | debt, fault |
| de herinnering | reminder |
| de boete | fine, penalty |
| gekregen | received (past participle of krijgen) |
โถ Practise this as a game: Paying bills
Budgeting words in Dutch
Inkomsten, uitgaven and keeping track of your money. (Source: Rijksoverheid โ Wat doet de gemeente om mij te helpen bij schulden?)
Example conversation
- Ik kom elke maand geld tekort.I'm short of money every month.
- Houd je bij wat je uitgeeft?Do you keep track of what you spend?
- Niet echt.Not really.
- Maak een overzicht van je inkomsten en uitgaven.Make an overview of your income and expenses.
Word list
| Dutch | English |
|---|---|
| het geld | money |
| tekortkomen | to be short of |
| uitgeven | to spend |
| de uitgaven | expenses |
| de inkomsten | income, earnings |
| het overzicht | overview |
| bijhouden | to keep track of |
| besparen | to save (on costs) |
| het budget | budget |
โถ Practise this as a game: Your budget
Dutch insurance words: zorgverzekering and eigen risico
Health, liability and contents insurance. (Source: Rijksoverheid โ Eigen risico)
Example conversation
- Ben je verzekerd voor de zorg?Are you insured for healthcare?
- Ja, iedereen in Nederland moet een zorgverzekering hebben.Yes, everyone in the Netherlands has to have health insurance.
- Hoeveel betaal je per maand?How much do you pay a month?
- Ongeveer honderdveertig euro, plus het eigen risico.About a hundred and forty euros, plus the excess.
Word list
| Dutch | English |
|---|---|
| de zorgverzekering | health insurance |
| verzekerd | insured |
| het eigen risico | excess (deductible) |
| iedereen | everyone |
| ongeveer | about, approximately |
| de aansprakelijkheidsverzekering | liability insurance |
| de inboedelverzekering | home contents insurance |
| de premie | premium |
โถ Practise this as a game: Insurance
Belastingdienst letter words: aangifte and more
What the tax letter asks and when you need to act. (Source: Belastingdienst โ Uitstel aanvragen voor de belastingaangifte)
Example conversation
- Ik heb een brief van de Belastingdienst gekregen.I've received a letter from the Belastingdienst.
- Moet je aangifte doen?Do you have to file a tax return?
- Ja, voor รฉรฉn mei.Yes, before the first of May.
- Als je het moeilijk vindt, kun je hulp vragen bij een belastingwinkel.If you find it difficult, you can ask for help at a tax advice shop.
Word list
| Dutch | English |
|---|---|
| Belastingdienst | the Dutch tax authority |
| de aangifte | tax return, declaration |
| terugkrijgen | to get back |
| vragen | to ask |
| als | if, when |
| jaarlijks | yearly, annual |
โถ Practise this as a game: The tax return
How to practise Dutch money words
Open your banking app in Dutch for a week. You will see Dutch money words like saldo, overschrijving and incasso every day, and they stick much faster in real use.
When a letter arrives from your bank, insurer or the Belastingdienst, look for the words from these lessons first: rekening, betaling, termijn and aangifte tell you what the letter is about.
Frequently asked questions
What does aangifte doen mean?
Filing your tax return. The deadline is 1 May, or 1 September if you ask for an extension in time (source: Belastingdienst).
What is the eigen risico?
The excess on Dutch health insurance: in 2026 you pay the first โฌ385 of care from the basic package yourself. GP visits don't count (source: Rijksoverheid).
What does automatische incasso mean?
Direct debit: the company takes the money from your account automatically.
What is the difference between rekening and factuur?
Rekening means a bank account or a bill; factuur is an invoice.
Is health insurance compulsory in the Netherlands?
Yes, for everyone who lives or works in the Netherlands (source: Government.nl).
Where can I practise Dutch money words?
Right here: the five free lessons above cover banking, bills, budgeting, insurance and tax, with audio for all the Dutch money words.
Related on The Dutch Daily
- Zorgtoeslag 2026 and 2027: how much healthcare allowance you get
- Holiday allowance and vacation days in the Netherlands
- Minimum wage Netherlands 2026: hourly rates by age
Word meanings checked against Wiktionary. Audio uses your deviceโs Dutch voice where available.