Leaving from Belgium?To the Belgian plan →See the plan for Belgians moving to Luxembourg →This plan is for people leaving the Netherlands.
Luxembourg · No visa required
Emigrating to Luxembourg
To live in Luxembourg, you report to the commune twice: your arrival within eight days, the registration declaration within three months. A treaty from 1968 places your occupational pension and your AOW with Luxembourg. There you declare them yourself. It's close by, with no border and three official languages. The home is the heaviest item of the journey.
€ 199 one-off · 32 steps · no subscription
- Kind of journey
- Administrative: two reports at the commune
- The clocks
- 8 days for the report, 3 months for the registration, 6 months for the car
- Note
- Pension and AOW taxed in Luxembourg: declare yourself, with advance payments
Last updated: 14 October 2026
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Five phases, from the commune to the Bëllegen Akt
Luxembourg is close by, but has its own deadlines: eight days for the report, three months for the registration, six months for the car. A treaty from 1968 places pension and AOW with the country of residence. Nobody withholds anything there, so you file the return yourself. And the housing market decides whether the journey goes ahead.
- Orientation
Two deadlines at the commune, a treaty from 1968, and the housing costs
In this phase you work out how residence, tax and healthcare work, and you explore the region. You have eight days to report your arrival and three months for the registration. The treaty of 1968 places your pension and your AOW exclusively with Luxembourg. That's why you apply for the wage tax exemption for both: then the Netherlands no longer withholds tax on them. Luxembourg taxes progressively, up to 42 percent, and per tax class (which depends on your household situation). On a foreign pension Luxembourg withholds nothing. Healthcare runs through the CAK, the Dutch agency that arranges your healthcare abroad, to the CNS, the Luxembourg health fund. It reimburses 88 percent. Explore the region with the housing costs in hand, because they are higher than in the Randstad.Read more
- Closing the Netherlands
The wage tax exemption for pension and AOW, and your own return in Luxembourg
In this phase you close things down in the Netherlands, and here the list works out favourably. Apply for the wage tax exemption for your occupational pension and your AOW. Both go exclusively to Luxembourg, so the Netherlands then withholds nothing on them. Your government pension does stay Dutch, even with a Luxembourg passport. After that you declare your pension in Luxembourg yourself. You pay advance payments on 10 March, 10 June, 10 September and 10 December. You also apply for the S1 at the CAK six weeks before departure: the form that moves your healthcare with you. You report to the SVB in time. And four hours' drive away, the eight-month rule is a real option: with it you keep living partly in the Netherlands.Read more
- The move
One day's drive, a customs sticker even within the EU, and the home first
In this phase you move by road: half a day, without customs and without an inventory. The home comes before everything. For the eight-day report you need a lease, and the Luxembourg housing market is the tightest step of this journey. The car comes along as relocation goods, without excise duty and without VAT. But it must be on plates within six months. For that you go past the SNCA (the Luxembourg vehicle authority), the insurer and customs. At customs you get the vignette 705, with a stamp of 50 euros. The pet needs only chip, jab and the EU pet passport.Read more
- Registration in Luxembourg
Commune, commune, CNS, tax office
In this phase you register with the commune, the health fund and the tax office. The order is fixed. First you report your arrival at the population office, within eight days, with your lease. Then you make the registration declaration, within three months, with the proof of your means and your S1. You then get the registration certificate, and it's valid indefinitely. After that you take the S1 to the CNS for your social security card. Finally you register with the tax office, because on a foreign pension nobody withholds anything. There you ask about your class and arrange the advance payments.Read more
- Arrival
The licence stays, anyone may buy: 7 percent duties, 40,000 euros credit
In this phase you sort out your driving licence and possibly a home of your own. An EEA driving licence doesn't need exchanging. Registering it is optional and free; from now on you renew it here. Anyone may buy. The state charges 7 percent duties. With the Bëllegen Akt, a tax credit for whoever is going to live there themselves, 40,000 euros per person comes off that. You must move in within two years and stay two years, and you get it once. After five years you apply for permanent residence.Read more
This is what one step of your plan looks like
This is the real thing: one of the steps of the journey to Luxembourg, exactly as it appears in your personal step-by-step plan, with the deadlines, the offices and the sources.
Step 2.3 of your plan
Know where you'll pay tax, and apply for the exemption
- Lead time
- one good conversation, then an application of weeks
- Costs
- advisory hours — depending on your situation
In this step you make sure the Netherlands no longer withholds anything on your pension and your AOW, and you see how Luxembourg taxes them.
The tax treaty places your occupational pension and your AOW exclusively with Luxembourg: only Luxembourg may tax them. An annuity falls under the same residual article (the rule for everything the treaty doesn't name separately) and comes along.
This is how you go about it:
- Apply to the Dutch tax authority for the wage tax exemption, for both your pension and your AOW.
- Do so with a Luxembourg certificate of residence: proof that you live in Luxembourg.
If you don't, your fund keeps withholding and you only get it back after a year.
The government pension (the pension from a job in government) is the exception. The Netherlands may tax that. Unlike in most treaties a Luxembourg passport doesn't help against it. Luxembourg exempts it, but counts it for the rate on the rest.
On the Luxembourg side nobody withholds anything on a foreign pension. You arrange the tax yourself:
- You file a return every year with the Administration des contributions directes, the Luxembourg tax authority.
- You attach the pension statement from your fund and from the SVB.
- Then you pay four advance payments a year: on 10 March, 10 June, 10 September and 10 December.
The rate rises progressively to 42 percent: the higher your income, the higher the rate. A surcharge for the employment fund comes on top. Which scale applies depends on your tax class: 1, 1a from sixty-four, or 2 as a couple.
And this is the dashboard that step lives in. The example shows the plan for Spain; your dashboard shows the plan for Luxembourg.
This is step 2.3 of 34. The other 33 are ready for you, each with the same sources, the same offices and a schedule that keeps track of your dates.
See all 34 steps for LuxembourgWhat you get for € 199
All 34 steps to Luxembourg, for your situation
In order, with the office and the official source at every step. Steps that don't apply to you don't appear.
Your deadlines in one place
For each step you see the latest date to start, and you get a heads-up before something is due or expires. Your documents sit in the vault, with their dates.
A plan that stays right
Twice a month we check the sources. If something changes, it's in your plan and you get a message.
The step-by-step plan for Luxembourg
€ 199
one-off · 34 steps
- Pay once, no subscription
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Every step on one list, free
Not ready to start yet? Then you get the departure checklist for Luxembourg: 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 Luxembourg 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.
That was the move. And once you live there?
Which country may tax your pension once you live in Luxembourg? Is there a favourable regime, a scheme that lowers your tax? And how do you get insured? That depends on where your income comes from. Tick it and you'll see which rules apply to you, with the source.
See the financial conditionsClosing down the Netherlands: all your letters in one go
Moving to Luxembourg starts with leaving the Netherlands properly. That's why the plan includes the letter tool: you enter your details once and every cancellation and notification letter is ready.
Just the letters, without the plan? That works too, for € 49
- Health insurance, rent, energy, subscriptions, GP, school, bank and pension fund: 16 kinds of letters. You enter your details only once.
- A sending list that counts back from your departure date and your notice period, even when that's three months.
- Also what you need to ask for as an emigrant: your no-claims years in English, your medical file and the school report (the report on your child for the new school).
Auke, maker of Vertrekklaar
On 2 January we're leaving ourselves, on a trip around the world with our family. What I put here, I'm arranging for my own family too.
On 20 September 2026 a customer wrote that the CAK rule for early retirement was missing from his plan. He was right. That evening the step was in thirteen plans, with the source attached.
The knowledge base on Luxembourg
Per phase, the articles that are already there. They're written from the same journey and go deeper than what fits above.
- AOW, pension and tax in Luxembourg: everything to the country of residence, and you declare it yourselfThe treaty with Luxembourg from 1968 places your occupational pension exclusively with Luxembourg, and because it has no social security article, your AOW and your annuity go the same way via the residual article. Luxembourg taxes them in a progressive scale up to 42 percent, per tax class — without withholding, so with an annual return and four advance payments. The government pension stays Dutch, even with a Luxembourg passport.
- The impatriate regime in Luxembourg: half your salary exempt, from 75,000 eurosLuxembourg has a special tax regime for highly qualified employees who come from abroad: since 2025 half of the gross salary is exempt, up to a salary of 400,000 euros, for eight years. The thresholds are high and precise, and one condition can hit Dutch people from the south in particular: the 150 kilometres.
- Working in Luxembourg: free as an EU citizen, with the highest minimum wage and a recognition that costs moneyAs a Dutch national you work in Luxembourg without a permit. The statutory minimum wage has been 2,771.33 euros gross a month since 1 June 2026, and a fifth more if you count as skilled. Two things do need work in advance: a regulated profession, for which your diploma must first be recognised, and a business of your own, which needs a business permit.
- Healthcare in Luxembourg: from the CAK's S1 to the CNS, and then 88 percent backLuxembourg is a treaty country. With a Dutch statutory pension you apply for an S1 form at the CAK, register with it at the Caisse nationale de santé and get the Luxembourg social security card. The system works by reimbursement: you freely choose a doctor, also a specialist without referral, pay yourself and get 88 percent of the tariff back — or the doctor settles directly with the fund.
- Car and driving licence in Luxembourg: six months, a customs sticker and a stamp of 50 eurosLuxembourg charges no excise duty and no VAT on a used car you bring as relocation goods, but wants it on Luxembourg plates within six months — past three counters, with a customs sticker you need even within the EU. The driving licence doesn't need exchanging, but do have it registered, and from now on you renew it here.
- Renting in Luxembourg: two months' deposit, the agent shared, and a legal ceilingRenting in Luxembourg is expensive, but better regulated than most Dutch people think: the deposit is capped by law at two months, you share the agency fees with the landlord, and the rent may go up at most once every two years. The trap is the term: a fixed-term lease is not something you simply cancel halfway.
All 14 articles about Luxembourg
- Your dog or cat to Luxembourg: the pet passport, and then the commune
- Your household goods to Luxembourg: no customs, but guide levels for your wine cellar
- Bank account in Luxembourg: four banks that may not refuse you, and ten working days
- The matricule in Luxembourg: the thirteen-digit number everything hangs on
- Your first weeks in Luxembourg: one home, four clocks and one number
- Residence in Luxembourg: eight days for the report, three months for the registration
- Buying a house in Luxembourg: 7 percent duties, and 40,000 euros credit per person
- School in Luxembourg: three languages, the SIA, and six free European schools
Also applies to your move
Ready to begin?
The step-by-step plan for Luxembourg: 34 steps, with your documents and your costs in one place. For each step you see the latest date to start. You pay once and it's yours.