Belgium Relocation Guide: Exploring a New Life

Hey there! If you're thinking about making the move to Belgium, you're in for a treat. I've lived here for years, and let me tell you—this country has so much to offer. From the beautiful architecture and rich history to the high quality of life, it's truly a wonderful place to call home. In this guide, I'll walk you through everything you need to know to settle in smoothly, whether you're moving for work, studying, or just up for an adventure.

1. Obtain the Right Visa

First things first—let's talk visas. Depending on where you're from, you may need one to enter Belgium. If you're an EU/EEA citizen, no worries—you don't need a visa. But if you're coming from outside the EU, you'll probably need a long-term residence visa (D visa). If you're moving here for work, your employer will provide all the necessary documents, like a work permit or professional certificates. The visa process can take a few weeks, and it can be a bit of a headache. If you're self-employed, you'll need a business plan and financial proof, which can make things even more complicated. But hey, it's all part of the journey, right?

EU Countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.

EEA Countries: This includes all EU countries, including Iceland, Liechtenstein, and Norway.

2. Find Accommodation

Finding a place to live in Belgium can be an adventure on its own. The big cities like Brussels, Antwerp, and Ghent are popular choices because of their vibrant communities and great public transport, but they can be pricey. In Brussels, for example, rent varies a lot depending on the neighborhood—safer, greener areas usually cost more. If you're looking for a place, check out websites like Immoweb and Spotahome, or even Facebook groups like "Bxl à Louer – de bouche à oreille" and "Brussels Rooms and Flats to Rent." Just a heads-up: landlords here usually ask for a deposit of two to three months' rent, and they might want to see proof of your salary for the last three months. If you want to save some money, consider co-housing—it's cheaper and a great way to meet people.

3. Register at the Local Municipality

Once you arrive in Belgium, you'll need to register at the local town hall (commune/gemeente) within eight days. This step is super important to get everything official.

You'll need:

1. Proof of address—this is called "domiciliation" in Belgium. Most rentals let you register your address, but some landlords might not allow it for tax reasons. After you register, the town hall will send a police officer to verify that you're actually living there within 1-2 weeks. If you miss them, it could delay getting your residence permit.

2. Passport.

3. Visa.

4. Registration fee, which is usually between €24 and €26, depending on the municipality.

If you're a student, you'll also need proof of enrollment and financial resources. The whole process usually takes 2-3 weeks, but in some places, it can take up to 1-2 months. My advice? Go to the town hall in person to get all the details straight.

4. Healthcare System

Belgium's healthcare system is top-notch—no joke, it's consistently ranked among the best in the world. Once you're registered, you'll need to choose a health insurance fund (mutuelle/mutualiteit), which is non-profit. Visiting a general practitioner (GP) is mostly covered by insurance, and you'll only pay a small fee. You can also opt for supplementary insurance for things like dental care or hospital stays, which can cost an extra €200-€300 per year but save you money in the long run. Doctors here have different types of pricing: government rates (conventionné/geconventioneerd), non-standard rates (non-conventionné/niet geconventioneerd), or a mix of both. Insurance covers 70%-75% of the costs, but if the doctor charges non-standard rates, fees can be unpredictable—always check before your appointment.

5. Open a Bank Account

Opening a bank account can be a bit tricky if you don't have a job yet. Major banks like BNP Paribas Fortis, KBC, and ING are good options and often offer services in English, but they can be strict about financial proof. If you're in a hurry, online banks like Revolut are a good alternative for basic banking needs. If you're planning on buying property or getting a loan down the road, traditional banks are the way to go. Some banks here even offer green loans for eco-friendly home improvements, which is a great option if you're planning to stay long-term.

6. Language Considerations

Belgium has three official languages: Dutch, French, and German. Which language you'll need depends on where you live—Dutch in Flanders, French in Wallonia, and both in Brussels. Outside of major cities like Brussels and Antwerp, English won't always get you very far, so it's a good idea to pick up some basic Dutch or French. This is especially true if you're dealing with government offices or just doing your grocery shopping. While some municipalities have services specifically for expats, most of the paperwork will require some local language skills. Learning the language will also help you integrate and understand the culture better.

7. Transportation

Public transportation in Belgium is pretty solid—just don't be surprised by occasional delays. You've got trains, trams, buses, and public bikes, plus shared electric scooters, bikes, and cars. In Brussels, a single BRUPASS ticket costs €2.60, or €18.20 for ten rides, and you can also use your credit or debit card for €2.20 per ride (2024 prices). If you're using public transport regularly, consider getting a MOBIB card (€5). Planning to drive? You may need to exchange your foreign driver's license for a Belgian one if you're staying longer than 185 days. Depending on where you're from, you might be able to swap it directly, or you might need to take a test.

8. Cost of Living

Belgium can be pricey, especially in Brussels. Rent, groceries, and eating out can add up quickly. But you get what you pay for—quality social services, healthcare, and public amenities. To save on groceries, Aldi and Lidl are cheaper options compared to Delhaize and Carrefour. Delhaize and Carrefour also have their own budget-friendly brands, like Delhaize's "365." For bulk shopping, check out Colruyt. On weekends, flea markets are a great way to find second-hand furniture and unique items at reasonable prices.

Conclusion

Belgium has a charm all its own. If you're ready to start a new chapter here, planning ahead will make all the difference. There's so much to enjoy—picturesque cities, delicious food, and amazing culture. Whether you're into exploring historical sites, joining local festivals, or just indulging in Belgian chocolate and beer, there's something for everyone. Life here is full of possibilities if you're open to embracing it.