What changes financially when you move to Argentina?
Tick where your income comes from. You then see which rules Argentina and the Netherlands apply to your situation: which country may tax you, which schemes exist and how you get insured. With the source, so you can check it yourself.
This applies to everyone who moves. Tick above what applies to you, and the rest will appear.
Which country may tax
Which part of your income may your new country of residence tax?
As a resident Argentina taxes your worldwide income
If you're a resident of Argentina, Argentina taxes your income from Argentina and from abroad. If you're not a resident yet, only your income from Argentina.
That follows from article 1 of the income tax law, the Ley de Impuesto a las Ganancias. Where the treaty assigns an income to the Netherlands, such as a government pension, or lets the Netherlands tax, such as the AOW, Argentina gives a credit. It's in the arrangement block.
- resident
- with permanent residence, or after 12 months of temporary residence
Special regimes
Is there a favourable regime, and do you qualify?
Tax you paid in the Netherlands you deduct in Argentina
A resident of Argentina who paid tax abroad on foreign income may deduct it from the Argentine tax, up to the amount Argentina asks on that income.
That's how it works with your AOW and, if you're not Argentine, with a government pension: the Netherlands taxes, and Argentina deducts that tax. So keep the annual statements with the Dutch tax withheld every year. The treaty says the same in article 25, paragraph 1.
- credit
- up to the Argentine amount on the same income
Health insurance
How do you get insured, and what do you pay for it?
Without permanent residence, care in a state hospital only with insurance
Since May 2025 a national government hospital only gives ordinary care to whoever has no permanent residence with health insurance or if they pay in advance. In an emergency you're always helped.
A permanent resident has the same access to public care as an Argentine. With temporary residence, the first three years, your insurance is therefore your healthcare. On entry you also declare that you have health insurance.
- since
- Decreto 366/2025, 29 May 2025
Source: Ley 25.871, article 8, replaced by Decreto 366/2025 — outside an emergency and the residentes permanentes "solo se brindará tratamiento médico o atención sanitaria habitual contra la presentación de un seguro de salud o la previa cancelación del servicio" — checked on 2026-10-15
Read the whole storyWhat the Netherlands doesn't let go of
Which Dutch obligation travels with you?
Your AOW build-up stops when you leave, repair is possible within one year
Whoever goes to live outside the Netherlands is usually no longer insured for the AOW and the Anw. Every year you're not insured, you later get 2 percent less AOW.
This is about the build-up, not the payment. The treaty with Argentina governs the payment. What you built up until you left stays. If you leave before your AOW age, every year until that age costs 2 percent. With voluntary insurance at the SVB you close the gap. For that you have one year from the moment you're no longer insured. That applies to each partner of a couple separately.
- reduction per uninsured year
- 2% of your AOW
- register for voluntary insurance
- within 1 year
Your Dutch basic insurance ends when you deregister
Your basic insurance stops on the day you deregister. Your new policy only starts once the insurer has accepted you.
Without the CAK there's no safety net, and a national government hospital asks for insurance or payment in advance without permanent residence. So arrange your cover first, and only then take steps you can't reverse. Make sure there's no day between the end date in the Netherlands and your first insured day.
Where this comes from: The list of treaty countries for healthcare (no CAK route), the fixed emigration rule that the Zvw ends on deregistration, and article 8 of the Argentine migration law.
Read the whole storyThis is not tax advice
These are the rules that apply to your situation. What they add up to is not shown here. With Argentina it comes down to two treaties and one waiting period. The 1996 tax treaty gives your occupational pension and your annuity to Argentina, and lets the Netherlands tax your AOW and a government pension. But it only works once you're also a resident for Argentina, and with temporary residence that's after twelve months. Until then the Netherlands keeps taxing, without a tax credit. The 2002 social security treaty lets your full AOW come along, even if you go alone. For healthcare there's no treaty, so no CAK. Argentina taxes residents on their worldwide income, with a credit for tax you already paid in the Netherlands, and also taxes your assets. Which combination you have decides your net monthly income. Take this list to a tax adviser who knows both countries.
Still deciding between countries? Put the rules of two or three countries side by side
Then actually doing it
Knowing which rules apply is the first half. The second is applying them in time: in the right order, without missing a deadline, and with your documents at hand.
Every step on one list, free
Not ready to start yet? Then you get the departure checklist for Argentina: every step in order, to print and tick off. With it, five mails in a week and a half about the pitfalls and the real costs. If the rules for Argentina change, you'll hear about it. After that we ask once where your plans stand, and now and then we send one thing that fits your moment. No newsletter, and you can switch it off at any time.