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.
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.
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:
Once you’re registered, you’ll also receive your Dutch address confirmation. This becomes your official proof of residence.
To get paid or pay bills, you need a local bank account.
Popular options include:
What to bring:
Pro tip: Choose a bank that offers English-language apps and customer service if your Dutch isn’t strong yet.
Dutch health insurance isn’t optional. Even if you’re healthy, it’s required by law.
How it works:
Need help choosing? Use Zorgwijzer to compare plans in English.
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:
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.
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.
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.
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:
You can use ACE Money Transfer to send money to Ghana from Netherlands anytime, even on weekends.
Missing home is real, especially during your first few months. But there are simple ways to feel more connected and supported.
Sometimes, even just cooking a familiar meal can lift your mood.
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.
You don’t need to be fluent—but knowing the basics makes a big difference.
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:
If you’re being treated unfairly at work, reach out to FairWork Netherlands for advice. Their services are free and confidential.
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.
Not always. Many entry-level jobs accept English speakers, especially in logistics and cleaning. But for better roles, Dutch is a plus.
Yes. With apps like ACE Money Transfer, you can send money in minutes, and it's cheaper than banks.
After five years of legal stay, you can apply. You’ll need to pass a Dutch integration exam and meet income requirements.
Big cities like Amsterdam and Rotterdam have African shops selling plantains, fufu flour, shito, and more.
For a studio apartment, expect to pay €800–€1,100/month. Shared housing can be cheaper.