Utrecht City Information 2021

Utrecht
Utrecht
City
information
Het Kleine Loo 414 T

NL -2592 CK The Hague
Tel. +31 (0) 70 324 2524
2021
Submitted by Altair Global The Netherlands / Het Kleine Loo 414T / 2592 CK the Hague / Tel +31 (0) 70 324 2524
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Contents
1. Introduction to Utrecht......................................................................................................................... 3
2. Maps...................................................................................................................................................... 4
3. Registration (BSN) and bank account appointment ............................................................................. 6
4. Permanent Housing & Settling in .......................................................................................................... 8
5. Insurances ........................................................................................................................................... 15
6. Schooling ............................................................................................................................................. 16
7. Transportation .................................................................................................................................... 19
8. Healthcare and more .......................................................................................................................... 21
9. Child Benefits ...................................................................................................................................... 25
10. Practical information....................................................................................................................... 27
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1. Introduction to Utrecht
Charming, vital and ambitious. These qualities represent the essence of Utrecht. Behind the picturesque
façade of an ancient provincial capital beats the dynamic heart of one of the Netherlands' most
prosperous and innovative cities. With its central location and creative talent, Utrecht is an important
meeting place for culture, knowledge and business, and has been for more than 20 centuries. This, more
than anything else, has made the city what it is today.
With more than 355,000 inhabitants, Utrecht is the Netherlands' fourth city. 170 nationalities - call
Utrecht their home. With the completion of the new Leidsche Rijn residential and business district, this
will rise to some 370,000, an unprecedented expansion in the history of the city. In 2011 Utrecht was
voted Holland's 'most vibrant city' and, once again, it earned second place for living, bringing up children,
studying and working.
Utrecht is the capital of the province of the same name which has 1.2 million inhabitants. The city was
built on Roman foundations but now stands at the very heart of the Netherlands, where the country's
road and rail networks intersect. The city's central location means it is at the heart of the Netherlands'
business and leisure communities.
Utrecht has a reputation as an independent-minded and lively city, which is gaining more and more
recognition as a centre of knowledge and culture, both nationally and internationally. It is these qualities
that the city aims to promote itself with, both today and in the future.
Municipality information
The municipality has several side offices spread out throughout Utrecht; the head office –which also holds
the International Welcome Center Utrecht Region (IWCUR)- is located at Stadsplateau 1, Utrecht. You
must schedule an appointment by calling the telephone number before visiting the town hall.
Visiting address: Stadsplateau 1, 3521 AZ Utrecht

Visiting hours: 08:00 – 17:00 on weekdays, appointment only!
Website: https://www.utrecht.nl/city-of-utrecht/
Telephone number: +31 30 286 00 00 or 14 030 (From NL only)
Other city office

Wijkservicecentrum Vleuten-de Meern
Dorpsplein 1
3451 BK Vleuten
Important telephone numbers

General emergency number: 112
Police: 0900 – 8844
Fire Brigade: 0900 – 8844
Emergency number GP: 088-1309670
Emergency dentist number: 0900 – 8602
Emergency gas/electricity/water: 0800 – 9009
Town Hall Utrecht: 14 030/ +31 (0)30 286 00 00

Utrecht Taxi Centrale +31 (0) 30 230 04 00
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2. Maps
Utrecht is located in the middle of the Netherlands in the eponymous province Utrecht.
Please find below the maps of The Netherlands, the province Utrecht and Utrecht city area.
Figure 1: 12 Provinces the Netherlands, with the provincial capitals.
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Figure 2: Province of Utrecht with its bigger cities.
Figure 3: Utrecht city districts
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3. Registration (BSN) and bank account appointment

When arriving in The Netherlands each “newcomer” has some mandatory appointments to attend:
1. A registration appointment to get your social security number (in Dutch BSN).
2. Opening a Dutch bank account. Below you will find more information about these appointments.
3.1. Registration appointment

As soon as possible after your arrival, Altair Global will arrange an appointment (if applicable) at the
immigration office (IND) to apply for a residence permit for registration. The next step will be registration
at the town hall. Please bear in mind that you and your family members need to be present at the
appointment.
As rules and regulations change all the time, please check with your immigration contact or Altair Global
Consultant what documents you should bring.
Some bigger cities offer a combined service -for non-EU citizens only- (immigration and registration
appointment) through an Expat Centre (Amsterdam, The Hague, Rotterdam and Tilburg) for both EU and
non EU citizens.
Note:
All the original certificates must be recent (< 6 months) and may need an “Apostille” or legalization (i.e. 2
or 3 stamps; in some case one from the Municipality, always one from the Ministry of Foreign affairs and
one from the Dutch consulate or Embassy) and if necessary, an official translation into Dutch or English.
For more information, contact Altair Global.
After registration you will receive a BSN (Dutch social security number). This is a unique and lifetime
personal number and is required for your employer to pay your salary, social premiums and taxes (the
BSN is also your tax number). And it is needed for child benefits, school registration, opening a bank
account, health insurance and your driver’s license.
Please note that at the Holland Expat Center South you will only get information on living in the
Netherlands, but it’s not the proper authority to process immigration. More information under
www.hollandexpatcenter.com.
3.2. Bank appointment

Please be aware that nearly everything in the Netherlands is being paid by debit card. Only bigger
expenses like flight tickets, hotel bookings or online purchases are paid by credit card. Credit cards are not
accepted in supermarkets or shops. You can withdraw money from the ATM and pay in cash. Therefor
opening a Dutch bank account is highly recommendable when arriving in the Netherlands.
Our preferred bank is the ABN AMRO Bank, they have an International Client Desk, have a high customer
service level, they have been working for years with Internationals and all the information you need is
available in English on their website https://www.abnamro.nl/en/personal/index.html
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During the appointment insurances will be discussed. One of them is the personal liability insurance.
In short; an insurance if you cause damage to somebody else’s property up to 1.25m euro. It’s not a
mandatory insurance but highly recommended. The majority of Dutch people have a personal liability
insurance as you can easily pay the premium but not 1.25 million. More information can be found:
https://www.abnamro.nl/en/personal/insurance/home-insurances/liability-insurance.html
Within 3-5 business days you will receive all the letters and bankcard.
3.3. DigiD
Instead of visiting the city hall in person or sending letters for official reasons like changing address or
asking for an excerpt from the municipal database, the DigiD (digital identity) gives you online access to
most Dutch governmental websites and health care agencies. By logging in with your DigiD (consisting of
a username and a password), government organizations will know that it really is you they’re dealing with.
You can find more information on the official website:https://www.digid.nl/en/
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4. Permanent Housing & Settling in

In The Netherlands it’s possible to rent several types of apartments. Below you will find an overview of
how properties are offered online. Most properties are offered on the following 2 sites: www.funda.nl/en
and www.pararius.nl (click on English). You will also find information on lease contracts, utilities,
maintenance and other household related information.
Below is an overview with samples of housing pricing in Utrecht. Like in all cities, space becomes smaller
and prices go up in the city centre.
# of Bedrooms Description of Housing Size of House Monthly rent Monthly costs

utilities G/W/E/TV &
Internet + city taxes
1 bedroom furnished apartment 45 m2 € 1.300 € 150 – 180
2 bedrooms furnished apartment 75 m2 € 1.700 € 170 – 200
1 bedroom unfurnished apartment 45 m2 € 1.100 € 150 – 180

2 bedrooms unfurnished apartment 75 m2 € 1.400 € 180 – 220
3 bedrooms unfurnished apartment 120 m2 € 2.400 € 220 – 260
3+ bedrooms unfurnished apartment 200 m2 € 3.000 € 260 – 300
4.1. Shell apartment

A shell apartment is an empty/bare apartment. The walls might be painted but in general it is a do It
yourself apartment and you completely have to decorate it. Mostly there is a kitchen installed but the
electrical kitchen appliances (oven, dishwasher, stove, refrigerator and microwave) might not be present.
A shell apartment is not suitable for temporary housing due to high costs (DIY store). It is perfect when
you want to fully re-decorate the apartment to your own likings. Please be aware that we advise you not
to rent such an apartment.
Floor coverings  Wall coverings 

Curtains and rods  Electrical kitchen appliances 
Washer/dryer  Ceiling lamps. 
Furniture  Styling 
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Figure 4: Example of a shell apartment
4.2. Unfurnished (semi furnished) apartment

An unfurnished apartment usually comes with ceiling lamps, curtains and curtain rods and floor-/wall
coverings. Kitchens can come fully equipped with oven, dishwasher, stove, refrigerator and microwave.
Unfurnished apartments are also presented online as semi furnished, which is quite confusing as there is
no (basic) furniture in the property.
Washing machines and dryers are usually not provided with the property but mostly there is a place where
you can connect them (laundry room or the bathroom).
In an unfurnished house you “only” have to move in your furniture and personal belongings.
Floor coverings  Wall coverings 

Curtains and rods 󠅔 Electrical kitchen appliances 
Washer/dryer 󠅔 Ceiling lamps. 
Furniture  Styling 
Please note: adding/removing items is negotiable with the landlord but mainly for the tenant to take care
of. Unlike other countries, at the end of the day it’s the landlord who decides to whom he will rent the
apartment to.
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Figure 5: Example of an unfurnished apartment
4.3. Fully furnished apartment

A fully furnished apartment is really fully furnished, everything will be in the apartment from kitchen
appliances (pots, pans, cutlery, glassware) to furniture (sofa, dining table, chairs) to beds (bedlinen,
towels). You only thing you need to bring is your suitcase and personal belongings.
Furnished accommodation can be found from very basic to very luxurious. If the property is serviced and
cleaning is included in the rental price, towels and bed linen will usually be changed on a regular basis
(service apartments). If it is not a service apartment, these services are not included.
Make sure you check whether internet is available. Should this be one your requirements, many service
apartment providers have a website with detailed information and pictures of their properties.
Floor coverings  Wall coverings 

Curtains and rods  Electrical kitchen appliances 
Washer/dryer  Ceiling lamps 
Furniture  Styling 
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Figure 5: Example of a fully furnished apartment
4.4. Lease contracts

 Most rental contracts are for a minimum of 12 months, they can be extended for indefinite time, with
one-month notice period. Several contracts can be offered; it all depends on the negotiations with
the landlord.
 If you need to end the lease, there is a notice period of usually 1 month. In the first year, it cannot be
ended unless you have a Diplomatic Clause. Depending on the city you live in, especially in
Amsterdam, the notice period can be 2 months instead of 1 month.
 In The Netherlands, unlike in some other countries, a copy of the lease is available in English on
request but the Dutch version will be signed by both parties as the Dutch contract is binding.
 If you want to cancel the lease, a notice letter needs to be sent to the owner by registered mail, this
is sent through a post office. The Diplomatic Clause is usually accepted (this is the possibility of
breaking the lease if assignee is transferred by giving 2 months’ notice in the first year). There is no
penalty system for terminating the lease early when using the Diplomatic Clause!
 A deposit is to be paid as part of a lease, it usually is one month rent but in some cities, such as
Amsterdam, it can be two months. The deposit is arranged by transferring money to the owner’s s
bank account, not through a bank guarantee or cash money.
 To sign a lease, copy contract assignee and statement housing allowance is needed. In addition, there
is an agency fee (plus VAT) to be paid by the tenant (or his/her company) which is one month rent. In
total the payment required prior to the start of the lease is more than three months’ rent (first month
rent, deposit and the agency fee plus VAT).
 If a lease starts on the 15th of a month and not on the 1st, there is a 6 weeks’ notice period to be given
to the landlord when terminating a lease contract. The termination letter needs to be with the
landlord before the 1st of the month. No invoice will be sent for the rent; you will need to remember
to pay on the 29th of each month (or the 13th if the lease starts on the 15th) ahead of time or set up
a direct debit through your bank.
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 A check-in when you arrive, signed by both the tenant and owner, is also customary. A check-out
when you leave also takes place, using the check-in report as a reference. After the check-out the
owner has up to 2 months’ time to reimburse the deposit (minus rental damages).
4.5. Settling in
Insurance and safety standards. Insurances can be taken by an insurance broker or at your bank but be
aware of what your contract covers before signing anything.
 Home insurances can cover:

 theft insurance/burglary damages
 flood damage
 personal/family liability
 legal advice
 Tenants are obliged to report any damage immediately to the landlord, preferably by registered letter
to avoid being held personally responsible afterwards.
 Important to know is that the insurance company does not cover any damages in case the premiums
have not all been settled, so pay your invoice on time!
 The Netherlands is considered to be a safe country. That is why most houses and accommodations
don’t have extra security measures. Special locks, guards or security systems can (only) be found in
exquisite accommodations.
 If you want to equip your accommodation with security cams or other security systems, you can get
help from the local Anti-break-in specialist. (Anti Inbraak Specialist).
4.6. Utilities
In The Netherlands there is a liberal market for utility services and a tenant is free to choose between
different providers, however in some areas there are more providers than in others. Utilities are not
included in the rent unless you have chosen a full service apartment, but unfurnished and furnished
properties usually do not include utilities. In The Netherlands your utility bill is the same every month; it
is a provisional calculation, recalculated once a year, after the meter readings take place. You only pay for
what you use; if you have paid too much you will be reimbursed.
When entering and leaving a property the meter readings will be noted by the different parties. Unless
there are other agreements, your Altair Global consultant will initiate this service and you can choose
between providers.
During the check-in, the meter readings will be noted and contracts with utility providers transferred into
your name. Make sure that the meters have not been cut off by the previous tenant since reconnecting
them might take several days. All providers will send you a monthly or quarterly provisional invoice and
once a year a breakdown of your actual use. Below you can find a list of providers.
Some Electricity & Gas providers:

 Vattenfall: www.vattenfall.nl
 Eneco: www.eneco.nl
 Essent: www.essent.nl
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Water:
There is no choice in water companies, depending on the area, you need to work with a certain water
company. In Utrecht this would be Vitens. For more information visit their website:
https://www.vitens.nl/
Telephone/internet and TV:

 Ziggo: www.ziggo.nl
 KPN: www.kpn.com
 T-Mobile: www.tmobile.com
4.7. Maintenance
As a tenant you will be responsible for maintaining the property in a good condition.
Some of the responsibilities include:
 Keeping all appliances and installations in good working condition including yearly maintenance of the
heating system and sweeping of the chimney
 Maintenance of the garden and trimming of the hedges and bushes
 Repairing all locks and replacing broken windows
 Degreasing sinks, descaling taps
 Changing light bulbs
 Remove rubbish and put it outside
4.8. Importing household goods

If your household goods are imported from an EU country, there are no formalities. If they are imported
from a country outside the EU, the removal company will have to clear them through customs. For this
purpose, the removal company in general needs the following:
 An inventory list of the goods (please note that this also needs to list the car or motorbike if applicable)
 An application of exemption of import duties signed by you
 The certification of application of the town hall, mentioning your country of departure (bewijs van
aanmelding/proof of registration) with BSN number
 A copy of your passport
 A copy of the tenancy agreement
 The employer’s statement for the head of the family (from your HR contact person)
 If any other documentation is needed, the removal company will send a request to you.
4.9. Garbage disposal

Waste is household waste except for paper, glass, textiles, organic waste, small chemical waste and small
electrical appliances. Household waste must be placed in a garbage bag, mini bin or (underground) rubbish
container.
It is important to dispose the household waste properly. The household waste calendar contains all the
rules for putting out your garbage as well as the collection days for your waste. Please have a look at the
following website to get more information on waste and recycling in Utrecht.
http://www.mijnafvalwijzer.nl/
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4.10. Taking out the garbage
There are strict rules for putting out your garbage:
 Household waste can be put by the side of the street after 22.00 hrs. the evening before the day of
collection and before 8.00 hrs. on the day of collection itself. You are not allowed to put out your
household waste on any other day.
 Household waste should be placed as close to the street as possible (or in designated areas).
 Always use the waste bins for garden and kitchen waste (GFT), mini bins (kliko) or collection bins (with
four wheels) supplied by the municipality, the underground containers or sturdy garbage bags.
 Any collection bins have to be removed from the public street before 19.00 hrs. on the day of
collection.
What is not allowed to be placed on the street for collection:

 loose plastic bags
 boxes with rubbish
 pedal bin bags
 loose garbage
Garbage bags for household waste should be sturdy, weigh no more than 8 kilograms, should not
contain sharp objects and the bags may not be ripped or torn. Do not place any glass in the garbage bag;
people passing by and garbage collectors can cut themselves on the glass. Please make sure the bin bags
are tightly sealed.
Note: If you live in an apartment building with rubbish bins or underground containers, you can throw
away your rubbish in these containers anytime. The collection days in the household waste calendar do
not apply to these apartments. For using such containers, you need to have a so-called garbage card
(afvalpas). Per household one garbage card is given. If you didn’t receive your pass at the check-in of your
apartment, please check with the tenancy manager and/or the landlord. If you have to apply for a new
one, please consult your district’s city hall.
4.11. Parking permit

Whether you need to register for a parking permit or not, depends on the municipality and street you live
in. Please check out the following link for more information on parking in the different areas of Utrecht:
https://www.utrecht.nl/wonen-en-leven/parkeren/
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5. Insurances
An average Dutch person has 6 to 8 insurances, sometimes without even knowing it. There are 2
mandatory insurances; Health care insurance and when owning a car, a car insurance. Below you will find
the most common optional insurances.
5.1. Liability insurance

Third-party insurance (aansprakelijkheid), or liability insurance, protects you if your cleaner drops your
precious china, or your child spills grape juice on your neighbor’s oriental carpet. More than 95 percent
of the Dutch population has this insurance, and it is often included in combination packages for either
homeowners or tenants.
5.2. House and home insurance

Homeowners or house insurance is known as woonhuisverzekering and opstalverzekering. Frequently
properties in the Netherlands are sold without the actual land, and in such cases you should take out
homeowner’s insurance on the building. If you buy an apartment, the Association of Owners (VVE) takes
out the house insurance, which is paid equally among the apartment owners in the building.
A standard policy covers fire, storm, flood and theft. In terms of flood coverage, a distinction is made
between rainwater damage and flooding, which is covered, and damage and flooding caused by
breakdowns in the dike systems, which is not covered (although concessions may be available from the
government). Also not included are damages accrued through lack of upkeep or essential repairs.
If you are a tenant, you should find out the details of your landlord's insurance covering damage caused
by natural disasters to the building and if your contents are included. Also bear in mind that you are not
generally allowed to make significant alternations to rented apartments. Speak to both your insurance
company and your landlord if you intend to make major changes.
5.3. Contents insurance

Regardless of whether you are homeowner or a tenant, contents insurance (inboedelverzekering) covers
your belongings and the contents of your home. Contents insurance should cover most of your furniture,
glass breakage and general contents such as computers and other appliances. An annual household
contents policy starts at about EUR 20 depending on what is covered. For high-value items such as art,
jewelry and antiques you will need a separate “kostbaarhedenverzekering”.
The Netherlands, as much as elsewhere in western Europe, has a problem with non-violent burglaries.
When your representative comes to access your belongings for insurance, one of the things that will be
checked is the security system and locks on the premises. If suggested, changes to these can bring the
cost of your insurance down. It is also important to have your contents reassessed on a regular basis, at
least every two years.
5.4. Other insurances

It is not uncommon that Dutch residents also have legal insurance (Rechtbijstandverzekering),
guaranteeing (cheaper) access to legal advice. It insures against costs of lawsuits and personal and labor
disputes.
Many large insurers offer combination packages that can bring down costs and avoid the problems of
figuring out which company or policy covers which damage in times of need. Most companies recommend
a combination which also includes third-party liability insurance, whether a homeowner or tenant.
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6. Schooling
In The Netherlands there are multiple schooling options for non-Dutch speaking children. Focusing on the
Utrecht area where you will be working we have enlisted your options below: International schools or
Dutch schools. Contact information for the major schools can be found below.
6.1. International schools

There are two types of international schools: independent international schools (private schools) and
those partially funded by the government or municipality (public/private schools). There is one
international school in the Utrecht area.
International School Utrecht (ISU)

The ISU opened in August 2012 as the first international school in the province of Utrecht. In 2016-2017
school year will start with an enrolment of over 400 students aged 4-17, together representing over 35
nationalities. Since the ISU is part of the network Dutch International Schools, it is partly funded by the
Dutch government thus ensuring affordable school fees.
The ISU provides a high quality and accessible international learning environment to children from diverse
international backgrounds. As the ISU is an officially accredited International Baccalaureate World School,
following programs are offered: IB PYP (primary years’ program, 4-11 years), IB MYP (middle years’
program, 11-16 years) and IB Diploma Programme (16-19 years).
Name: International School Utrecht

Visiting address: Van Bijnkershoeklaan 8, 3527 XL Utrecht
Telephone number: +31(0) 30 8700400
Email address: info@isutrecht.nl
Website: http://isutrecht.nl/
The nearest school offering also education for high school grades is located in Hilversum, roughly 20
minutes away from Utrecht. The school is called International School Hilversum and more details can be
found on: www.ishilversum.nl
6.2. Dutch schools
The Dutch school system is set up differently than you might be used to in your own country. Education
is compulsory (leerplicht) in the Netherlands from the ages of five to 16, however, most children start to
attend primary school at age four. While the structure of primary education in the Netherlands is
straightforward, the structure of the Dutch secondary education system often seems confusing because
of the multiple paths and graduation ages in high school.
In reality, Dutch secondary schools are similar to those in most other countries, with one stream to
prepare students for vocational training (VMBO), and another to prepare students for university (VWO).
The main difference in the Netherlands is that there is a third, middle, stream in high schools that prepares
students to study at universities of applied sciences (HAVO). The school system in the Netherlands is as
follows:
Dutch day care, crèche, kindergarten (kinderopvang, kinderdagverblijf, peuterspeelzaal)

Until the age of five, infants and young children in the Netherlands can attend a variety of non-compulsory
daycare educational options such as crèche, kindergarten or childminding. Parents or relatives can also
look after them.
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Primary school in the Netherlands (basisonderwijs)
Elementary or primary school (lagere school) has eight grades, known as groepen, ranging from Groep 1
(4-year olds) to Groep 8 (12-year olds). It is not compulsory to attend primary school until Groep 2, at age
five, but most children begin in Groep 1 already at the age of four. Students attend primary school for
eight years, until they are 12, where they gain basic skills such as reading, writing and arithmetic. They
will also start studying English by the time they reach Group 7, if not before then.
Secondary school in the Netherlands (voortgezet onderwijs)

When they start secondary school (middelbare school) at age 12, children enter one of three different
streams for their secondary education. The different streams represent different educational paths, based
on a student’s academic level and interests:
VMBO (preparatory secondary vocational education)

The VMBO is a four-year vocationally-orientated stream focused on practical knowledge, which leads to
vocational training (MBO). It has two qualification levels and students complete the track at the age of 16.
HAVO (senior general secondary education)

The HAVO is a five-year middle stream that prepares students to study higher professional education at
universities of applied sciences (hogescholen), where they can follow a bachelor’s degree in applied
sciences (HBO). Students complete the HAVO around the age of 17.
VWO (university preparatory education)

The VWO is a six-year education stream with a focus on theoretical knowledge, that prepares students to
follow a bachelor’s degree (WO) at a research university. Students study the VWO at schools known as
athenaeum and gymnasium and complete the stream around the age of 18.
Dutch Schools
 There are numerous locations for daycare, crèche and kindergarten in Utrecht. All can be found online
in combination with your postal code. Please note it’s recommended to use a location near your
residence.
 There are 101 primary schools in Utrecht. You can find them here;
https://scholenopdekaart.nl/zoeken/basisscholen?zoektermen=utrecht&weergave=Lijst
 There are 27 secondary schools in Utrecht. You can find them here;
https://scholenopdekaart.nl/zoeken/middelbare-scholen?zoektermen=utrecht&weergave=Lijst
Each of the three different streams is mentioned.
 There are 9 universities for Applied Science in Utrecht. You can find them here;
1. Hogeschool van Utrecht: https://www.hu.nl/
2. Fontys Hogeschool: https://fontys.nl/Studeren/Studeren-in-Fontyssteden/Utrecht-1.htm
3. TIO: https://www.tio.nl/vestigingen/utrecht/
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4. TIAS School for Business and Society Utrecht: www.tias.edu
5. InterCollege Business School: www.intercollege.nl
6. Hogeschool Geesteswetenschappen Utrecht: https://academiegeesteswetenschappen.nl/over-
de-academie/
7. HKU University of the Arts Utrecht: https://www.hku.nl/en/home
8. Marnix Academie: www.marnixacademie.nl
9. Euro college: https://www.eurocollege.nl/vestigingen/utrecht/
 There is 1 university for research in Utrecht. Please find their information below;
Utrecht University: https://www.uu.nl/bachelors/en
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7. Transportation
Transportation in The Netherlands is generally well organized and Utrecht is easily reached by all types of
transportation as it’s in the middle of the country. Several major highways are located nearby and the city
hosts eight train stations: Centraal, Leidsche Rijn, Lunetten, Maliebaan, Overvecht, Terwijde, Vaartsche
Rijn and Zuilen. Schiphol Airport - The main airport of The Netherlands - is roughly 35 minutes away by
train or car.
In greater Utrecht the company U-OV is responsible for public transportation. It operates a system of
busses, trams and metros which cover virtually the entire city. More information about U-OV can be found
on their website https://www.u-ov.info/ which contains a journey planner as well.
Another very useful journey planner can be found at http://9292.nl/en# or download the 9292 app from
your app store. This is a nationwide journey planner for all types of public transportation, buses, trams,
trains, metro etc.
7.1. OV Chip card

For all public transportation in The Netherlands a special card is required, the so-called OV-kaart (public
transport chip card). You can use this card for the bus, tram, train and metro services. This card is the
same size as a credit card and has an invisible chip.
You need to top up the card with credit which can be done at special machines in bigger supermarkets
like Albert Heijn and Jumbo or at railway stations. There are two types of cards; a personal one (with an
ID photo and your name) and an anonymous version (which can also be used by friends and family). Using
this card is very easy; you simply need to swipe the card when you enter a bus, tram, metro or rail way
station at the special card readers. However, you need to make sure that you don’t forget to swipe again
when you leave (otherwise you’ll end up paying extra)! For using bus, tram and metro you need to have
a minimum saldo of 4, - Euros on your card and using the train requires a minimum of 20, - Euros.
Additional information about the OV-chip card can be found at the following website: https://www.ov-
chipkaart.nl/home-1.htm
7.2. Bicycle friendly country

Besides wooden shoes, herring, cheese, windmills and football The Dutch are also known for their cycling.
Did you know there are more bicycles then people in the country at an average of 1.3 bicycle per person?
Cycling is fast, cheap and a good daily exercise getting yourself from A to B. With 37.000 kilometers of
bicycle lanes there is a chance you might find yourself cycling to your office. As part of your relocation is
getting familiarized with the culture, please find below some information about bicycles.
Bicycle stores (new)

https://www.giga-bikes.nl/
https://www.decathlon.nl/
https://www.fietsenwinkel.nl/
https://www.city-bikes.nl/
Used or 2nd hand

www.marktplaats.nl
https://www.cheapassbikes.nl/
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Bicycle repair shop

https://www.hetzwartefietsenplan.com/nl/content/43-fietsenmakers-utrecht
https://defietsenmaker.cc/
https://www.laagcatharijne.nl/fietsreparatie
Bicycle parking
There are multiple bicycle garages in Utrecht. There are municipal garages free of charge (<24h) and
throughout the city there are several options for paid bicycle garages. Incorrectly parked bicycles will be
removed and transported to the municipalities “Fietsdepot”. The municipality can charge you up to 21.95
to get your bicycle back, so make sure you park it properly. For more information about Fietsdepot see:
https://www.utrecht.nl/wonen-en-leven/verkeer/fiets/fiets-weg/gemeentelijk-fietsendepot/
Also note; don’t forget to use the lights on your bicycle during nighttime. No lights? Risking a 55 euros
fine! Either get them with your bicycle store or any grocery/household store.
7.3. Shared scooters/cars sharing

New in The Netherlands is the shared vehicle concept. A selection of E-scooters and cars is offered
throughout the city as a new mobility program. A ride can be located with an app, reserved and activated
within minutes. E-Scooters: Felyx, CHECK or GO. Cars: Green wheels or Snappcar. More information can
be found online or in the app store.
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8. Healthcare and more

If you live in the Netherlands and pay taxes in the Netherlands, you have to take a mandatory health
insurance that covers your medical expenses, unless you are covered by a global insurance. Most
employees have a Dutch health insurance while working and living in the Netherlands.
In order to get this insurance once you live in the Netherlands, a BSN (Dutch social security number), an
official address and a bank account number (for your payments) is needed. If you do not have this when
you arrive (but hopefully soon) the insurance can be arranged in retrospect with a maximum of 4 months
while you are still covered.
8.1. Types of Dutch health insurance

In general, most insurance companies have 2 packages that you can choose from. From basic to more
extensive; you always have to start with a basic package that can be topped up with additional coverages.
The basic package in the Netherlands is compulsory and provides the same basic health coverage across
all insurers, as it is set by the government. Examples include: doctors, basic dental care, blood tests,
ambulance services, mental healthcare, pregnancy & maternity care, aged care and physiotherapy.
You may also need to take out extra coverage for additional medical treatment. This is where health
insurance companies compete to offer policies that are best tailored to your health needs and lifestyle.
There are many health services that are (partially) covered by additional insurance, examples include:
Extra dental care, emergency health care for travel abroad, vaccinations, contraception, glasses & lenses,
hearing aids and plastic surgery. For a full description and explanation of services please have a look at:
www.rijksoverheid.nl/onderwerpen/zorgverzekering/vraag-en-antwoord/wat-zit-er-in-het-basispakket-
van-de-zorgverzekering
To compare Dutch health insurances and prices please visit: www.zorgwijzer.nl/zorgvergelijker/english

Signing up is possible by using the link on their website and fill out the requested details.
8.2. Premium and own risk costs

There are two main costs that you need to pay for your Dutch health insurance:
 The monthly premium (premie), a fixed fee that is deducted from your bank account each month.
 The "own risk" amount (eigen risico), which is an annual amount that you must pay out of your own
pocket for some treatments and medicines before your health insurance will cover the rest. In 2021,
the own risk is up to a maximum of 385 euros. If you do not have any medical costs in a year then you
pay no own risk.
8.3. Children and Dutch health insurance

Children under 18 must also be insured, however their insurance cover is free, with no monthly
premium and no own risk. Children can usually be covered by the insurer of their parents, however
it’s also possible to choose other providers. The first month after a child turns 18, they must start
paying their monthly premium. Newborn babies must be registered for health insurance within four
months of birth.
8.4. Hints and tips about Dutch health insurance

 Dutch insurance companies are obliged by law to offer you the basic package. They cannot deny
coverage because of gender, age or health profile.
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 You may only change your health insurance provider once per year, for the following year. The
deadline to switch is December 31.
 If you are on a low income you may be eligible to have your monthly health insurance premiums
(partly) covered by the healthcare allowance (zorgtoeslag).
 Many businesses, including international companies, arrange collective agreements with insurance
companies and offer a small discount to their employees.
 Be aware that there may be long waiting lists for certain services.
 Doctors can all be expected to speak English.
 Not having a health insurance set up within 4 months after arrival will lead to a 426.24 euros fine. You
can get multiple fines.
Please note:
Some health insurance companies have a special agreement with your employer and you will get a
discount through your employer. It would be good if you take an insurance through your employer as the
basic insurance premium is more or less the same with any other health insurance company.
8.5. Register with a GP (huisarts)

After you have chosen your health insurance package, you should register with a general practitioner. The
GP plays a very important role in health care. Whatever doctor you might need, a visit to your GP is your
first stop on your way to receive medical treatment. This is the best way (next to asking friends,
colleagues) to find a GP (or a dentist):
 Search the website: www.ikzoekeenhuisarts.nl Enter your city or postal code, adjust the mileage and
it will give you all the registered GPs within that distance.
 Or check the following link for all kind of medical services in Utrecht:
https://www.zorgkaartnederland.nl/?zoekterm=utrecht
Once you have a GP you can easily schedule an appointment to discuss any health issues you may have. If
you need a specific examination you should first liaise with your doctor, who will then refer you to the
right specialist, clinic or hospital.
If you need to see a GP outside of the office hours, you can always call him; you will hear an emergency
number from the answering machine. The emergency number is a network of all emergency GPs in your
area. If it you experience a real emergency case (car accident, broken arm etc.), please visit the hospital
directly or call 112.
8.6. Hospitals
Hospitals in the Netherlands fall into one of three categories: university medical centres, teaching
hospitals and general hospitals. University medical centres form part of a university. As such, they attract
researchers and specialists in order to provide the most specialized care. Teaching hospitals are affiliated
with university medical centres. They attract specialists and provide a more general forum for research
and training of student nurses and medical interns. Interns accompany medical professionals during many
procedures. Lastly, general hospitals provide standard care. By no means sub-standard, they provide
excellent care and will refer patients to more specialized facilities if the condition merits it.
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Hospitals in Utrecht
There are 5 hospitals available in Utrecht. Emergency assistance is provided at most hospitals 24 hours a
day at the Spoedeisende Hulp (SEH). The hospitals are categorized in three types: University medical
centers, teaching hospitals and general hospitals. University medical centres form part of a university. As
such, they attract researchers and specialists in order to provide the most specialized care.
Teaching hospitals are affiliated with university medical centers. They attract specialists and provide a
more general forum for research and training of student nurses and medical interns. Interns accompany
medical professionals during many procedures.
Lastly, general hospitals provide standard care. By no means sub-standard, they provide excellent care
and will refer patients to more specialized facilities if the condition merits it.
The main hospital in the Utrecht region is the Sint Antonius ziekenhuis. It is spread over several locations
in and around the city of Utrecht. The contact details of the two main locations can be found below.
Name: St. Antonius Ziekenhuis Utrecht

Address: Soestwetering 1, 3543 AZ Utrecht
Telephone number: +31(0) 88 320 30 00
Name: St. Antonius Ziekenhuis Nieuwegein

Address: Koekoekslaan 1, 3435 CM, Nieuwegein
Telephone number: +31(0) 88 320 30 00
Website: http://www.antoniusziekenhuis.nl/
University Medical Center Utrecht (UMC Utrecht) is the second main hospital in Utrecht. UMC Utrecht is
also spread over several locations. The contact details of the two main locations can be found below.
Name: Location UMC

Address: Heidelberglaan 100, 3584 CX, Utrecht
Telephone number: +31(0)88 75 555 55
Website: https://www.umcutrecht.nl/en
Name: Location WKZ (children’s hospital)

Address: Lundlaan 6, 3584 EA, Utrecht
Telephone number: +31(0)88 75 555 55
Website: http://www.hetwkz.nl
Name: Diakonessenhuis Utrecht

Address: Bosboomstraat 1, 3582 KE Utrecht
Telephone number: 088 250 5000
Website: https://www.diakonessenhuis.nl/
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8.7. Important telephone numbers
General emergency number: 112
Police: 0900 – 8844
Fire Brigade: 0900 – 8844
Emergency number GP: 088-1309670
Emergency dentist number: 0900 – 8602
Emergency gas/electricity/water: 0800 – 9009
Town Hall Utrecht: 14 030/ +31 (0)30 286 00 00

Utrecht Taxi Centrale +31 (0) 30 230 04 00
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9. Child Benefits
If you have children under 18, the government will help you with the costs of bringing them up and caring
for them. The money you receive for this from the government is called child benefit (kinderbijslag). The
rules for who can get child benefit and how much child benefit will be paid are set down in the National
Child Benefits Act (AKW).
When can you get child benefit?

To get child benefit, you need to be insured under the AKW child benefit scheme. You can get child benefit
for bringing up and caring for children of your own, but also for:
 adopted children
 foster children
 stepchildren, or
 other children you bring up and care for as if they were your own children.
How much child benefit can you get?

The amount of child benefit depends on the age of your child. You will get a higher amount when your
child turns 6 and it will increase again when your child turns 12. If your child does not live with you because
he or she is disabled, and you are faced with high expenses, you may be eligible for child benefit at twice
the basic rate.
When does Dutch child benefit get paid?

You get child benefit once a quarter. The first payment you will receive will be for the next quarter after
your child's birthday. In other words, your child benefit will start in January, April, July or October. The
SVB pays child benefit after the end of each quarter. If you adopt a child or if you have just come to live
in The Netherlands, your child benefit may start at a different time.
You have come to live and work in the Netherlands

If you have come to live and work in the Netherlands and you have a child, you can get Dutch child benefit
if:
 You are from an EU or EEA country or Switzerland, and you have not been posted from another
country to work in the Netherlands (you do not have a secondment certificate), or
 You have a valid residence permit or a work permit.
When will you get non-Dutch child benefit?

You or your partner may also get child benefit from another country or from an international organization.
This will be the case if:
 You or your partner works for an international organization, or
 You or your partner works for the government of a country other than the Netherlands, or
 You work in the Netherlands and your partner lives and works in another country.
Can you get supplementary Dutch child benefit on top of non-Dutch child benefit?
There are agreements in place between countries that determine which country's child benefit has
priority. If you get non-Dutch child benefit and the amount is lower than the Dutch amount, the SVB will
supplement the non-Dutch child benefit to the level of the Dutch child benefit.
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Other social benefits
Child care benefit (kinderopvangtoeslag)
This is an extra allowance when kids have to visit a daycare after school/kindergarten because their
parent(s) are working. You can calculate what you could get on: https://www.belastingdienst.nl or
https://www.svb.nl/int/en and search for child care benefit.
In order to claim Dutch Child benefits, you will need to use your DIGID. Please have a look at
www.svb.nl/int/en On this website you can type in your postal code to get the address and telephone
number of the nearest SVB office in case you have specific questions.
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10. Practical information

In this chapter you will find some practical information about the Utrecht area varying from shopping
nights to public holidays
10.1. Shopping
In Utrecht you will find many types of shops ranging from corner shops to large department shops.
General shop opening hours can be found in the table below.
Day Opening Hours
Monday 1200 - 1800

Tuesday 0900 - 1800
Wednesday 0900 - 1800
Thursday 0900 - 2100 (shopping night)
Friday 0900 - 1800
Saturday 0930 - 1800
Sunday 1200 - 1700 (not all shops are open)
As can be seen in the table above, shops are open till 2100 on Thursday; this is called the Koopavond in
Dutch, literally ‘purchasing evening’. There are a variety of supermarkets available, ranging from Aldi or
Lidl (German chain) to Jumbo and Albert Heijn. In general, most supermarkets are open from 0830 – 2100
on most days.
Albert Heijn supermarkets are generally open from 0800 – 2200. Albert Heijn are one of the few
supermarkets that are open on Sunday from 1000 – 1700/1800. The easiest way to find a
supermarket/shop closest to where you live is by searching online. (www.google.nl)
10.2. Tourist office

The tourist office (VVV) is the number one place to get yourself inspired and informed about the sights in
your region. From village to city and from region to area. No tourist office is the same. Each tourist office
breaths its own local atmosphere and tells you the (hi)story of its own town.
The employees at the tourist office can inform you were to relax, have a lovely meal or drink, enjoy the
wonders of the nature, cultural events, plan daytrips with car, cycling and walking routes, or enjoy the
local sights. Rather go shopping? The tourist office knows where to find the “secret gems” of the city, that
can’t be found on the internet. The employees are deeply rooted into their local areas and more than
happy to help you. Your local tourist office;
VVV Utrecht
Domplein 9
3512 JC Utrecht
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10.3. Leisure
The cultural district of the city centre is south-east of the central station with numerous shops, restaurant
and points of interest. In general Utrecht is considered to be a modern and very open-minded city. Utrecht
is a city which offers many culinary surprises. The best way to find a restaurant is to use the following
website: https://www.thefork.nl/
10.4. Public Holidays 2021

These are the main public holidays in The Netherlands:
 New Year’s Eve and Day: December 31st - January 1st
 Easter and Easter Monday (April)
 King’s Day: April 27th
 Ascension Day: 6th Thursday after Easter
 Pentecost: 7th Sunday after Easter
 Whit Monday: 7th Monday after Easter
 St. Nicolas’ Day (Sinterklaas): December 5th
 Christmas: December 25 – 26th
Sources
 www.utrecht.nl
 www.hollandexpatcenter.com.
 https://www.iamexpat.nl/education/primary-secondary-education/dutch-school-system
 https://www.u-ov.info/
 https://www.ov-chipkaart.nl/home-1.htm
 http://9292.nl/en#
 https://www.belastingdienst.nl
 https://www.svb.nl/int/en
 https://www.thefork.nl/
 www.ikzoekeenhuisarts.nl
 https://www.zorgkaartnederland.nl
 www.svb.nl
 www.belastingdienst.nl
 https://www.hu.nl/
 https://fontys.nl/Studeren/Studeren-in-Fontyssteden/Utrecht-1.htm
 https://www.tio.nl/vestigingen/utrecht/
 www.tias.edu
 www.intercollege.nl
 https://academiegeesteswetenschappen.nl/over-de-academie/
 https://www.hku.nl/en/home
 www.marnixacademie.nl
 https://www.eurocollege.nl/vestigingen/utrecht/
 https://www.uu.nl/bachelors/en
 https://www.diakonessenhuis.nl/
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The Americas
Frisco, Texas
Shelton, Connecticut
Walnut Creek, California
Minnetonka, Minnesota
Europe / Middle East / Africa

London, England
Brussels, Belgium
Dublin, Ireland
Paris, France
The Hague, The Netherlands
Asia / Pacific
Singapore
Shanghai, China
www.altairglobal.com
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Utrecht

Het Kleine Loo 414 T

Visiting address: Stadsplateau 1, 3521 AZ Utrecht

Other city office

Important telephone numbers

Town Hall Utrecht: 14 030/ +31 (0)30 286 00 00

Figure 1: 12 Provinces the Netherlands, with the provincial capitals.

Figure 2: Province of Utrecht with its bigger cities.

Figure 3: Utrecht city districts

3. Registration (BSN) and bank account appointment

3.1. Registration appointment

3.2. Bank appointment

You can find more information on the official website:https://www.digid.nl/en/

4. Permanent Housing & Settling in

# of Bedrooms Description of Housing Size of House Monthly rent Monthly costs

1 bedroom unfurnished apartment 45 m2 € 1.100 € 150 – 180

4.1. Shell apartment

Floor coverings  Wall coverings 

Figure 4: Example of a shell apartment

4.2. Unfurnished (semi furnished) apartment

Floor coverings  Wall coverings 

Figure 5: Example of an unfurnished apartment

4.3. Fully furnished apartment

Floor coverings  Wall coverings 

Figure 5: Example of a fully furnished apartment

4.4. Lease contracts

 Home insurances can cover:

Some Electricity & Gas providers:

Telephone/internet and TV:

4.8. Importing household goods

4.9. Garbage disposal

What is not allowed to be placed on the street for collection:

4.11. Parking permit

5.1. Liability insurance

5.2. House and home insurance

5.3. Contents insurance

5.4. Other insurances

6.1. International schools

International School Utrecht (ISU)

Name: International School Utrecht

Dutch day care, crèche, kindergarten (kinderopvang, kinderdagverblijf, peuterspeelzaal)

Secondary school in the Netherlands (voortgezet onderwijs)

VMBO (preparatory secondary vocational education)

HAVO (senior general secondary education)

VWO (university preparatory education)

7.1. OV Chip card

7.2. Bicycle friendly country

Bicycle stores (new)

Used or 2nd hand

Bicycle repair shop

7.3. Shared scooters/cars sharing

8. Healthcare and more

8.1. Types of Dutch health insurance

To compare Dutch health insurances and prices please visit: www.zorgwijzer.nl/zorgvergelijker/english

8.2. Premium and own risk costs

8.3. Children and Dutch health insurance

8.4. Hints and tips about Dutch health insurance

8.5. Register with a GP (huisarts)

Name: St. Antonius Ziekenhuis Utrecht

Name: St. Antonius Ziekenhuis Nieuwegein

Name: Location UMC

Name: Location WKZ (children’s hospital)

Name: Diakonessenhuis Utrecht

Town Hall Utrecht: 14 030/ +31 (0)30 286 00 00