What changes financially when you move to England?
Tick where your income comes from. You then see which rules England 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.
What the Netherlands doesn't let go of
Which Dutch obligation travels with you?
Your AOW accrual stops; apply for voluntary insurance within a year
Every year outside the Netherlands costs you a fixed part of your later AOW. Voluntary continued insurance is only possible if you register for it within one year of the end of the compulsory insurance (usually the day you leave).
Put that date in your diary before you go. If you work in the UK, voluntary continuation is by no means always worthwhile. You build up UK State Pension there as soon as you work and pay contributions. If you do not work, it more often pays off.
Where this comes from: The one-year deadline and the trade-off from the knowledge article; the premium is revised annually, so no amount is given here.
Read the whole storyYour child benefit does not move with you to the UK
Unlike within the EU, Dutch child benefit (kinderbijslag) stops. You still receive it up to and including the quarter in which you move.
Nor can you count on the British schemes in the first years. A Skilled Worker visa comes with the condition that you cannot claim most public funds. Factor that into your family budget. With several children it makes a difference of hundreds of euros per quarter.
Where this comes from: The export rules from the knowledge article; the no recourse to public funds condition belongs to the visa itself.
Read the whole storyYour Dutch basic health insurance ends with the move
Your Dutch health insurance stops on the day you move. Report the move to your insurer yourself.
What replaces it depends on your route. If you go to work, you get the NHS through the Immigration Health Surcharge you pay with your visa. If you come with a Dutch pension, it runs through the CAK route with a digital S1. Neither starts by itself. One starts with your visa, the other with your registration with the CAK.
Where this comes from: Description from the knowledge article on AOW, healthcare and pensions in England.
Read the whole storyFor inheritance and gifts the Netherlands counts you in for ten more years
The Inheritance Tax Act (Successiewet), the law on inheritance and gift tax, pretends an emigrated Dutch national still lives in the Netherlands for ten years. That applies on death and to gifts. The inheritance tax treaty with the United Kingdom leaves that period in place.
If you die within ten years of leaving, your heirs pay Dutch inheritance tax, as if you still lived here. What you give away in those years, to your children for example, falls under Dutch gift tax. So review your will and your gift plans before you leave. For a gift in the first year after you leave, this even applies to everyone who lived in the Netherlands, also without Dutch nationality. If the United Kingdom also taxes, the treaty provides for a credit, so you do not pay twice on the same thing.
- deemed residence
- 10 years
This is not tax advice
These are the rules that apply to your situation. What they add up to is not shown here. Since Brexit, England is a genuine emigration country: you need a visa to be allowed to live there. What applies for tax and healthcare also differs from what still circulates online about the time "before 2021". What the rules together mean for your situation is for a tax adviser who knows both systems to work out. Take this list to that conversation: then you know which questions to ask.
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 England: 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 England change, you'll hear about it. After that we ask once where your plans stand, send one offer, and now and then one thing that fits your moment. No newsletter, and you can switch it off at any time.