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A Ghanaian’s Guide to Living and Thriving in the Netherlands

A Ghanaian’s Guide to Living and Thriving in the Netherlands

03 Jun 2025


Starting a new life in the Netherlands as a Ghanaian can be exciting. But let’s be honest, it’s also overwhelming. You’re navigating a new country, a different culture, and possibly your first time living so far from home. There’s a lot to sort out, especially in the first few months.

This guide is written for Ghanaians who want more than just survival. It’s about settling in smoothly, making smart choices, and building a life that actually works. 

Why So Many Ghanaians Choose the Netherlands

The Netherlands has a strong economy, a fair legal system, and good public services. English is widely spoken, and many companies value international experience. It’s no surprise that Ghanaians are increasingly moving here for better job opportunities, education, and quality of life.

But knowing where to start is important.

Step 1: Register and Get Your BSN Number

Once you arrive, your first task is getting your BSN (citizen service number). Without it, you can’t work, rent long-term, or open a bank account.

Where to get it:

  • Visit the local Gemeente (town hall) in your city
  • Bring your passport, visa/residence permit, and rental contract
  • Make sure to book an appointment early—it can take weeks to get one

Once you’re registered, you’ll also receive your Dutch address confirmation. This becomes your official proof of residence.

Step 2: Open a Dutch Bank Account

To get paid or pay bills, you need a local bank account.

Popular options include:

  • ING
  • ABN AMRO
  • Bunq (app-based, easier for newcomers)

What to bring:

  • Passport
  • BSN number
  • Proof of address (rental contract or registration document)

Pro tip: Choose a bank that offers English-language apps and customer service if your Dutch isn’t strong yet.

Step 3: Get Health Insurance, It’s Mandatory

Dutch health insurance isn’t optional. Even if you’re healthy, it’s required by law.

How it works:

  • Choose a health insurer (like Zilveren Kruis, VGZ, or Menzis)
  • Basic insurance costs around €130/month
  • Covers GP visits, hospital care, and emergencies

Need help choosing? Use Zorgwijzer to compare plans in English.

Step 4: Where to Find Housing

Housing in the Netherlands is tight, especially in big cities like Amsterdam or Rotterdam. Rent is also high, so be prepared.

Tips for finding housing:

  • Start with KamernetPararius, or Funda
  • Consider cities like Almere, Eindhoven, or Zwolle for lower rent
  • Be cautious of scams—never send money before signing a contract and seeing the place

In the beginning, you might have to settle for a shared space or a small studio. It’s normal, and many expats start this way.

Step 5: Finding a Job That Fits

Whether you’re a professional, student, or looking for temporary work, the Dutch job market has options. The key is knowing where to look and what’s in demand.

In-demand sectors for Ghanaians:

  • Logistics and warehouse jobs
  • IT and software roles
  • Hospitality and cleaning
  • Healthcare support staff
  • Construction and technical work

Where to apply:

Make sure your CV follows the Dutch format, simple, clear, and professional. A one-page resume is often enough. Also, include a short, personal motivation letter with each application.

Step 6: Sending Support Back Home

Most Ghanaian expats send money from Netherlands to Ghana regularly, to support family or invest. But using banks can be costly and slow.

A better choice? ACE Money Transfer. It’s widely used by African communities in Europe and offers:

  • Better exchange rates than traditional banks
  • Fast transfers, often within minutes
  • Lower fees

You can use ACE Money Transfer to send money to Ghana from Netherlands anytime, even on weekends.

Step 7: Managing Culture Shock and Homesickness

Missing home is real, especially during your first few months. But there are simple ways to feel more connected and supported.

What helps:

  • Join Ghanaian groups on Facebook or Telegram. Search for “Ghanaians in the Netherlands” and you’ll find communities in almost every major city.
  • Attend events hosted by African churches, student associations, or cultural groups.
  • Shop for Ghanaian food in African stores. In cities like Amsterdam, Rotterdam, and Utrecht, you’ll find plantains, fufu flour, shito, and more.

Sometimes, even just cooking a familiar meal can lift your mood.

Step 8: Learn Basic Dutch

While many people in the Netherlands speak English, learning Dutch helps you go further. It opens doors to better jobs and helps with daily life, like reading mail or talking to your neighbours.

Free and low-cost ways to learn:

  • Dutch integration courses 
  • Language cafes and meetups
  • Apps like Duolingo or Memrise
  • YouTube channels for Dutch beginners

You don’t need to be fluent—but knowing the basics makes a big difference.

Step 9: Know Your Rights

As a Ghanaian expat, you still have rights. Whether you’re on a work visa or permanent residence, you’re protected under Dutch law.

Key rights include:

  • Fair pay
  • Safe working conditions
  • Protection from discrimination
  • Access to healthcare and legal help

If you’re being treated unfairly at work, reach out to FairWork Netherlands for advice. Their services are free and confidential.

Final Thoughts

Living in the Netherlands as a Ghanaian isn’t always easy. You’ll face challenges, from learning how the system works to dealing with cultural differences. But you’ll also find opportunities, community, and the chance to build a stable, fulfilling life.

Take it step by step. Get your documents sorted, find a place to live, apply for jobs that match your skills, and stay in touch with your roots. And when things feel tough, remember you’re not alone.

Thousands of Ghanaians have made this journey and are now thriving. You can too.

Do I need to learn Dutch to work?

Not always. Many entry-level jobs accept English speakers, especially in logistics and cleaning. But for better roles, Dutch is a plus.

Is it easy to send money home from abroad?

Yes. With apps like ACE Money Transfer, you can send money in minutes, and it's cheaper than banks.

Can I apply for permanent residence?

After five years of legal stay, you can apply. You’ll need to pass a Dutch integration exam and meet income requirements.

Where can I buy Ghanaian food in the Netherlands?

Big cities like Amsterdam and Rotterdam have African shops selling plantains, fufu flour, shito, and more.

What’s the average rent?

For a studio apartment, expect to pay €800–€1,100/month. Shared housing can be cheaper.


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