Insurance

Everything a student needs to know about insurance in the Netherlands.

Insurance in the Netherlands: We receive a lot of questions on this topic. Why would I need insurance if I am insured in my home country? Do I need insurance if I get a (student) job? What kind of insurances are there? When do I need to be insured? What is a good insurance company?

If you still have doubts: send us a mail or stop by the office. If you need insurance: contact us for the best student-only offer!

Internet and TV

No way you can survive without internet access, right?

When you rent a home in Maastricht, internet and/or TV are often included in your rent. However, when this is not the case Stu-We has got you covered: we partnered with an independent comparison site to let you choose the best solution for you!

By clicking HERE you will go directly to the comparison tool. Enter postal code and house number and you get all available internet and/or TV options at your address. You can easily compare them based on price, download speed, TV channels, etc. If you find one you like you can immediately sign up for this subscription.

*Your contract will be directly with the supplier of the subscription, not with Stu-We! But of course,  in case of questions we are always happy to help you out.

Government procedures

Getting your DigiD
Your DigiD consists of a username and a password of your choice. With your DigiD you get access to hundreds of Dutch government websites.

Why DigiD?
If you go to your City Hall or to the counter of a different government organisation, in many cases you will have to prove your identity using your ID card, passport or driving licence. Over the Internet, you can prove your identity by logging in with your DigiD. Government organisations will then know that it really is you they are dealing with.

How does DigiD work?
Say you wish to request an excerpt from the municipal personal records database through your local council’s website. You will then automatically be redirected from the local council’s website to the DigiD login page. Here you would enter your DigiD username and password. You will then automatically be redirected to the local council’s website, where you can request the excerpt.

Apply for your DigiD

BSGW

BSGW stands for Municipal and Water Board Tax Collaboration Scheme. BSGW is tasked by the municipality of Maastricht with the responsibility of implementing water board and municipal taxes. This collaboration is meant to maximize the social return from cooperation between local authorities in terms of levying and collecting taxes.

Payment
Everybody who is registered in the city of Maastricht needs to pay taxes to the BSGW. However it could be that you don’t always receive a letter and invoice about this personally. In that case either your landlord or a housemate received the letter. It is important to realize that you as a tenant have the obligation to pay for this, also if your landlord or housemate ask you for this.

INCOME TAX

Anyone who receives income in the Netherlands (salary, pension, support fund, student job, interest) is obliged to pay income taxes.

For some forms of income, like salary, your tax is already deducted by your employer and paid to the National Tax Office (Belastingdienst). For other forms of income this is not the case. Your final Income Tax obligation is determined on the basis not only of how much money you make, but also on how much you have worked. Additionally there are many tax exemption rules, e.g. if you work part-time, for health care, study expenses, if you have kids etc.

For this reason the Tax Office requires that everyone in the Netherlands (incl. all employees in the Netherlands) submit their taxes once per year. The deadline for this is May 1st, but it is possible to do the submission after this as well. If you submit your taxes before May 1st, you will receive notice from the Tax Office about your final tax obligation before August 1st.

Because many exemptions are not taken into account in the taxes your employer is paying for you, it may very well be the case that you are entitled to a refund. If you work part-time this is usually the case, and it is almost always the case for students and couples as well.

YOU ARE OBLIGED TO FILL OUT A TAX RETURN ONLY IF YOU HAVE RECEIVED AN INVITATION OR IF YOU HAVE NON-SALARY SOURCES OF INCOME. YOU MAY FILE VOLUNTARILY IF YOU ARE ENTITLED TO A REFUND

DID YOU KNOW THAT

  • 70% of Dutch inhabitants forgets to claim their tax refund, accounting for a total of 30 mln euro of unclaimed refunds; 250 euro per person on average.
  • that 85% of the customers we file tax declarations for is entitled to a refund.

SOME IMPORTANT TIPS

  • The Dutch tax year runs from 1 January to 31 December.
  • Mail from the Tax Office always comes in a blue envelope with ‘Belastingdienst’ on it.
  • If you work in the Netherlands, your wage tax based on your salary is already paid to the Tax Office by your employer.
  • Your employer will usually make sure that by February of the next year you receive an annual income statement, which you need to file your taxes.
  • For income other than salary filing your taxes if your own responsibility.
  • You are legally only obliged to file your taxes if you receive an invitation from the Tax Office to do so. , or if you have non-salary income. If you don’t, you may file your taxes if you want, but you are not obliged to. Often in the first two or three years of your stay in the Netherlands, the Tax Office may not yet send you an invitation.
  • Even if you did not receive an invitation, you may want to file your taxes because you may be entitled to a refund.For income other than salary you will have to file and pay your taxes yourself.

THE NATIONAL DEADLINE FOR HANDING IN YOUR TAX FORMS IS MAY 1ST

  • Once you have filed your taxes once (even if you did so voluntarily), you will be expected to continue this every year.
  • Refunds are very likely if you make little money (like student income), if you are part of a couple (in fiscal terms), and if you have worked in the Netherlands only part of the year.
  • The official deadline for handing in your income tax forms is May 1st. If you stick to the deadline, your declaration will be processed before August 1st and you will receive a reply by then. If you don’t hand in your forms by May 1st, the Tax Office will take longer to process them. You may hand in your income tax forms until 5 years after the deadline. 

Important tax-related terms

Belastingdienst Tax Office
aanslag assesment
toeslag allowance
belastingaangifte tax declaration
aangiftebrief invitation
voorlopige aanslag inkomstenbelasting (IB) provisional income tax assesment
studiefinanciering study finance
jaaropgaaf annual statement
zorgtoeslag healthcare allowance
huurtoeslag rent allowance
aftrekposten deductibilities
zorgkosten healthcare costs
hypotheekrente mortgage interest payments
giften donations
studiekosten study expenses

FOR HIGHLY SKILLED WORKERS: UNDER THE 30% RULING YOU CAN OPT TO BE TREATED AS A NON-RESIDENT TAXPAYER. THIS RESULTS IN NOT HAVING TO PAY INCOME TAX ON INCOME SAVINGS AND INVESTMENTS ABROAD.

The 30% tax facility for highly skilled workers

Highly skilled migrants and scientific researchers may be eligible for an advantageous income tax regulation known as the 30% facility. This means 30% of income is entirely free of tax for a certain period of time. This 30% allowance is meant to cover the extra costs incurred as a consequence of living abroad (so-called extra territorial costs). The purpose of this facility is to attract highly skilled professionals to the Dutch labour market.

An application for the 30% ruling must be made by the employer and the employee, and is case specific. The main criteria to be eligible for the 30% tax facility are: salary level, education level and relevant work experience.

Hence this facility does not apply to student jobs in the Netherlands.

‘Huursubsidie’

Why rent benefit?

Rent benefit is a contribution to help cover the costs of renting; it is also known as housing benefit.

We are happy to explain rent benefit to students, but no rights can be derived from this explanation. For the full details relating to rent benefit, please see the information under Benefits’ on www.belastingdienst.nl.