How to Move to the Netherlands from the USA: The 2025 DAFT Guide
Ready to transform daydreams about European living into reality? The Dutch American Friendship Treaty might be your ticket to a new life in the Netherlands—and it’s more accessible than you think.
What if Moving to Europe Was Actually Within Reach?
Are you sick of daydreaming about living abroad—but have no clue where to start? What if I told you there’s a legal way to move to the Netherlands for less than €5,000?
You don’t have to speak Dutch right away (but you should definitly learn) and yes—you could be living here before summer ends.
Welcome to my comprehensive guide on moving to the Netherlands through the Dutch American Friendship Treaty (DAFT)—an overlooked pathway that’s giving Americans a fresh start in Europe without winning the lottery or landing a corporate transfer.
Why the Netherlands? My Six-Year Reality Check
I’ve lived in Europe for over a decade now—six of those years right here in the Netherlands. What started as a work opportunity evolved into a permanent lifestyle choice.
Here’s why I stayed:
- Life just works here. Trains run on time, healthcare is accessible and affordable and the work-life balance is genuinely balanced.
- The Netherlands is surprisingly international. Most Dutch people speak excellent English, making the transition smoother but I will continue to say that you truly don’t get the full experience without learning the language. This is not about toursim, we are talking immigration.
- Central European location. Weekend trips to Paris, Brussels or London? Completely doable.
- Built for humans, not cars. The bike-friendly infrastructure and walkable cities create a different quality of life.
While politics didn’t drive my initial move, I understand why more Americans over 40 are seeking alternatives. Whether it’s healthcare costs, burnout culture or simply a desire for change—the Netherlands offers a different model of living.
What Exactly Is DAFT? The Entrepreneur’s Backdoor to Europe
The Dutch American Friendship Treaty is a special bilateral agreement that dates back to 1956. It allows American citizens to establish a business in the Netherlands with significantly lower barriers than most immigration pathways.
Here’s what makes DAFT stand out:
✅ No job offer required—you create your own opportunity ✅ No Dutch language requirements (though learning some helps) ✅ Relatively low investment (€4,500 minimum) ✅ No maximum age limit ✅ Family members can join you (spouse and minor children)
The Step-by-Step DAFT Application Process
Here’s your roadmap from dreaming to doing:
1. Assess Your Eligibility
The core requirement is showing you’ll be self-sufficient through entrepreneurship. You don’t need to prove your business will be wildly successful—just viable enough to support yourself.
2. Develop Your Business Plan
While not overly complex, you’ll need a basic plan outlining:
- Your business concept
- Target market in the Netherlands/Europe
- Financial projections
- How you’ll generate income
3. Choose Your Business Structure
Two main options:
- Eenmanszaak (sole proprietorship): Simpler, lower setup costs, but less separation between personal and business finances
- BV (Dutch LLC): More complex, higher setup costs, but better liability protection
Most DAFT applicants start with a sole proprietorship and potentially upgrade later.
4. Enter the Netherlands
You can enter as a tourist on your US passport while beginning the application process but please, please consult an immigration attorney regarding your specific situation before coming to the Netherlands.
5. Register with the Local Municipality Where You Will Live
This critical step gets you a BSN (citizen service number)—essential for everything from banking to healthcare.
6. Schedule your IND appointment
At the Immigration and Naturalization Service (IND), they’ll collect your biometrics for your residence permit.
7. Register Your Business with the KVK
The Chamber of Commerce (KVK) registration makes your business official in the Netherlands.
8. Open a Dutch Business Bank Account
You’ll deposit the required €4,500 minimum capital, which must remain in your account while on the DAFT visa.
9. Submit Your DAFT Application
With all documentation in place, you’ll formally apply through the IND.
10. Wait for Approval
Processing typically takes 2-3 months. During this time:
- You can remain in the Netherlands (up to 90 days as a tourist)
- You cannot begin working until approved
- If processing exceeds 90 days, you may need to temporarily leave the Schengen Area
The Real Costs of Moving Under DAFT
Let’s talk honest numbers:
| Expense Category | Approximate Cost |
| Permits & Registration | €1,500 |
| Monthly Rent (1BR) | €1,500-€1,800 (varies greatly based on location) |
| Startup Business Costs | Varies by industry |
| Moving Expenses | €2,000-€5,000 |
| Transition Living Costs | €2,000/month minimum |
Beyond financial costs, prepare for:
- Cultural adjustment
- Administrative patience (things move differently here)
- Building a new social network (this is hard but not impossible)
- Language learning (not required but enormously helpful)
What Kind of Work Can You Do Under DAFT?
The beauty of this visa is its flexibility. Nearly any legitimate freelance or entrepreneurial endeavor qualifies:
- Digital services: Copywriting, web development, graphic design, social media management
- Consulting: Business strategy, marketing, HR, accounting
- Creative pursuits: Photography, art, music, content creation
- Personal services: Coaching, tutoring, tour guiding, translation
- E-commerce: Online stores, digital products, handmade goods
Some real examples:
- An American copywriter primarily serving US clients remotely
- A yoga instructor who built a studio catering to expats
- A software developer consulting for European startups
- A photographer specializing in family portraits for the international community
Bridging the Financial Gap: Supporting Yourself During Transition
One of the biggest concerns I hear is: “How do I support myself while building my business?” Here are proven strategies:
- Continue remote work for US clients (completely legitimate under DAFT)
- Build financial runway before moving (I recommend 6-12 months of expenses)
- Tap into investment income if available
- Start with services requiring minimal setup (consulting, freelance writing)
- Consider renting out your US property for passive income
- Establish relationships with international clients before moving
Common Questions About Moving Under DAFT
Can I work for a Dutch employer?
No—DAFT specifically requires you to be self-employed or an entrepreneur. However, you can have Dutch clients as an independent contractor.
How long does the residence permit last?
Initially two years, then renewable in five-year increments if your business remains active.
Can I eventually get permanent residency or citizenship?
Yes! After five continuous years on DAFT, you can apply for permanent residency. Dutch citizenship becomes possible after five years of legal residence.
What about healthcare?
The Netherlands requires all residents to have health insurance. As a DAFT entrepreneur, you’ll pay monthly premiums (approximately €120-150) for comprehensive coverage that’s vastly more affordable than US insurance.
Do I need to speak Dutch?
Not initially, but learning the language will tremendously enhance your experience and integration. Many municipalities offer subsidized Dutch courses for newcomers. There are free sessions at the local library and you can meet some really cool people.
Why This Matters: Beyond Just Moving
Moving abroad isn’t just changing your address—it’s reimagining how life could be.
The friends who’ve made this journey often tell me the same thing: “I wish I hadn’t waited so long.” Not because the Netherlands is perfect (no place is), but because taking this leap opened possibilities they couldn’t see before.
Whether you’re seeking better healthcare, a different pace, or simply an adventure before life’s next chapter—DAFT offers a concrete path forward.
Remember, you don’t have to figure it all out at once. This journey happens one step at a time. Our story is far from over—keep Enjoying the Journey.
Want to learn more about life in the Netherlands? Check back later for my honest assessment questions to determine if this move is right for you.
About the Author: After more than a decade in Europe and six years in the Netherlands, I’m sharing my real life journey to help Americans navigate their own international transitions. This is my first post in my “Beyond Travel – Living Boldly” series, where I will share practical guidance for those ready to rewrite their life stories abroad.
Disclaimer: While I’ve made every effort to provide accurate information, immigration policies change. Always verify current requirements with official sources like the IND and consider consulting with an immigration attorney specializing in DAFT applications.