Netherlands · Visas & Residency

No retirement visa.
Real routes remain.

The Netherlands admits people with a purpose: a business, a qualifying job, a Dutch or EU partner, or studies. Americans hold one extraordinary card — a 1956 treaty. Canadians don't. Here are the 2026 numbers, no salesmanship.

Figures verified 8 July 2026

The 2026 comparison

RouteWho it's forMoney requirement (2026)Leads to
DAFT
Full guide →
US citizens only — self-employed under the 1956 Dutch-American Friendship Treaty €4,500 equity in a Dutch-registered business, maintained throughout; IND fee €423 2-yr permit → 5-yr renewal → permanent residency at 5 yrs
Highly skilled migrant Employees hired by an IND-recognised Dutch sponsor company Gross salary €5,942/month at 30+ (€4,357 under 30), excluding 8% holiday allowance Permit tied to job; same 5-yr path to permanent residency
Self-employed (points) Non-US entrepreneurs — including Canadians No fixed sum; points-based test on experience, business plan, and "added value to the Dutch economy" — refusal rates are high 2-yr permit → same 5-yr path
Partner / family Spouses and partners of Dutch citizens or legal residents Sponsor income at least the statutory minimum (roughly the minimum wage); IND fee €254 5 yrs → permanent residency; marriage route also eases citizenship
Americans and Canadians skip the consulate. Both nationalities are exempt from the MVV (provisional residence visa). You can enter visa-free and file your residence application from inside the Netherlands — the opposite of Portugal's consulate-first rule. Source: IND MVV exemptions.
What doesn't exist: a retirement route. There is no Dutch equivalent of Portugal's D7 or Spain's NLV. Passive income, however large, is not a residence purpose. If none of the four routes above fits, your ceiling is 90 days in any 180 under Schengen rules. We say this early so you can plan around it — or around another country.

After the permit: the residency timeline

Step 1 · Months 0–3

Apply in-country

Enter visa-free, register at the gemeente (BSN), file with the IND. Statutory decision window: 90 days. DAFT first permit: 2 years.

Step 2 · Year 2

Renewal

DAFT renews for 5 more years if your €4,500 equity never dipped. Job-based permits renew with the job.

Step 3 · Year 5

Permanent residency

After 5 years' continuous legal residence, with an A2 civic integration (inburgering) certificate. No renouncing anything.

★ Step 4 · Year 5+

Citizenship — with a catch

Also possible at 5 years (fee, A2 exam) — but the Netherlands generally requires renouncing your US or Canadian citizenship. Main exception: marriage or registered partnership to a Dutch citizen, which also shortens the required residence to 3 years.

Reality check on the dual-citizenship rule. A proposal to extend the naturalisation wait from 5 to 10 years was dropped, but the renunciation requirement stands in 2026. Most American and Canadian long-termers settle on permanent residency and keep their passports. Modernisation of the nationality law is discussed perennially — treat any change as unconfirmed until it's in the Staatsblad.
In this section

Guides

★ New

The DAFT permit: the 2026 guide

The €4,500 deposit, KVK registration, fees, timelines, renewal — and what the treaty doesn't give you.

Read the guide →
Guide

Options for Canadians

No DAFT equivalent exists. The honest rundown: jobs, points-based self-employment, partners, and Schengen visits.

Read the guide →
Coming soon

Highly skilled migrant, in detail

Recognised sponsors, the 2026 salary floors, and what happens to your permit if you lose the job.

Coming soon

Permanent residency at year 5

The A2 inburgering exam, continuous-residence rules, and PR vs citizenship for Americans and Canadians.

Coming soon

Scouting trips & the 90/180 rule

How Schengen counting works, the EES biometric border system, and ETIAS (expected late 2026, €20).

Coming soon

The partner route

Income requirements for sponsors, the basic civic integration exam abroad, and unmarried partners.

Sources

  1. IND — residence permit for self-employed persons (incl. DAFT): ind.nl
  2. IND — MVV exemptions: ind.nl
  3. IND — required amounts (income requirements) 2026: ind.nl
  4. IND — fees 2026: ind.nl; "Fees and required amounts for 2026 known": ind.nl
  5. IND — highly skilled migrant: ind.nl
  6. IND — naturalisation and renouncing nationality: ind.nl, ind.nl
  7. IND — exceptions to the 5-year term (incl. 3-year marriage/partnership route): ind.nl
The Unlock — free weekly email

IND fees and thresholds reset every January.

We track the IND, the Staatscourant, and salary-threshold updates so you don't have to. One email a week. Unsubscribe anytime.