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Guide to cashback from bank accounts

Explore the types of cashback benefits available in the Netherlands.

Cashback incentives are a convenient way for banks and providers to reward customers for using their products. For instance, you can receive a cashback incentive from new bank accounts, credit card spending, day-to-day transactions, home loans and financial package deals.

In this article, we’ll help you learn about the various cashback options in the Netherlands.

Compare cashback accounts in the Netherlands

1 - 11 of 11
Name Product Mobile View Digital Banks EN Monthly fee Card delivery Mobile payments Supported currencies
Revolut Standard
  • Monthly fee

    € 0

  • Card delivery

    Up to 9 working days

  • Mobile payments

  • Supported currencies

    20

€ 0
Up to 9 working days
Apple Pay, Google Pay

20

Enjoy no monthly fee, no currency conversion fees up to € 1,000 per month and the ability to hold up to 16 currencies in your account.
Wirex Premium
  • Monthly fee

    € 9.99

  • Card delivery

    Up to 4 business days

  • Mobile payments

  • Supported currencies

    12

€ 9.99
Up to 4 business days
Apple Pay, Google Pay

12

Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

Enjoy revolutionary digital payment features on-the-go, plus exclusive merchant deals and higher rewards when you spend on your Wirex card.
Revolut Plus
  • Monthly fee

    € 2.99

  • Card delivery

    Up to 9 working days

  • Mobile payments

  • Supported currencies

    20

€ 2.99
Up to 9 working days
Apple Pay, Google Pay

20

A Revolut Plus account gives you the security of all your online purchases with the purchase guarantee, interest on your savings, and many more extras for just a small amount per month
Revolut Premium
  • Monthly fee

    € 7.99

  • Card delivery

    Up to 3 working days

  • Mobile payments

  • Supported currencies

    20

€ 7.99
Up to 3 working days
Apple Pay, Google Pay

20

A combined current account and IBAN account with unlimited free currency conversions and international transfers in 30 currencies.
Revolut Metal
  • Monthly fee

    € 13.99

  • Card delivery

    Up to 3 working days

  • Mobile payments

  • Supported currencies

    20

€ 13.99
Up to 3 working days
Apple Pay, Google Pay

20

A premium account with an exclusive Metal card featuring insurances, cashback, concierge service, cryptocurrencies and more.
N26 Business
  • Monthly fee

    € 0

  • Card delivery

    Up to 10 working days

  • Mobile payments

  • Supported currencies

    1

€ 0
Up to 10 working days
Apple Pay, Google Pay

1

A convenient business account for freelancers. Benefit from cashback, spending categorisation and free foreign currency payments.
N26 Business Metal
  • Monthly fee

    € 16.90

  • Card delivery

    Up to 10 working days

  • Mobile payments

  • Supported currencies

    1

€ 16.90
Up to 10 working days
Apple Pay, Google Pay

1

The N26 Business Metal is a company account with which you get a metal bank card and 0.5% cashback on all your purchases.
N26 Business You
  • Monthly fee

    € 9.90

  • Card delivery

    Up to 10 working days

  • Mobile payments

  • Supported currencies

    1

€ 9.90
Up to 10 working days
Apple Pay, Google Pay

1

A premium business account with free foreign currency payments, cashback and a complimentary insurance package.
N26 Business Smart
  • Monthly fee

    € 4.90

  • Card delivery

    Up to 10 working days

  • Mobile payments

  • Supported currencies

    1

€ 4.90
Up to 10 working days
Apple Pay, Google Pay

1

Enjoy greater convenience as you manage your business finances with budgeting tools, spend statistics and other features offered by this premium plan.
Vivid Standard
  • Monthly fee

    € 0

  • Card delivery

    4-5 days

  • Mobile payments

  • Supported currencies

    1

€ 0
4-5 days
Apple Pay, Google Pay

1

A free bank account with fee-free payments and transfers globally. Enjoy up to 10% cashback per month.
Vivid Premium
  • Monthly fee

    € 9.90

  • Card delivery

    4-5 days

  • Mobile payments

  • Supported currencies

    1

€ 9.90
4-5 days
Apple Pay, Google Pay

1

A premium bank account with maximised cashback rewards on everyday spending online and in store, including up to 100€ cashback per month.
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Disclaimer: The products listed on this page are not representative of the whole market.

What is cashback?

A cashback incentive, or rebate, is either a reward program or a once-off deal in which a percentage of a qualifying amount spent is refunded to the customer.

Rebates are great for customers, especially when they come with few restrictions and conditions that can be met easily.

Where can you get a cashback product?

You can get cashback offers with a few different products in the Netherlands, including:

Bank accounts

Banks in the Netherlands occasionally offer time-limited promotions, including cashback and other rewards, to entice new customers to signup or switch over from their current bank. These bonuses typically come with certain conditions that you’ll need to meet in order to be eligible.

Currently (August 2021), there are no ongoing offers from Dutch banks but do keep your eyes peeled for new promos in this section.

Credit cards

Credit cards are one of the most common financial products that offer rebates. Some cards only offer rebates for their specific partner brands and outlets, while others provide a flat rebate across all items bought with the card.

However, do note that credit cards are still not as widely accepted in the Netherlands compared to cash, prepaid cards or debit cards. That said, you may not find many credit cards offering cashback rewards at the moment.

Digital banks

Some digital banks in the Netherlands may offer cashback incentives as limited-time offers. These are used by providers as a way to encourage sign-ups from people who are on the fence about their products.

Let’s take a look at three cashback offers, which were correct at the time of writing on 13 August 2021:

    Digital bankCashback feature
    Revolut
    • Revolut Metal. Earn 0.1% cashback from card spend within Europe, and 1% from payments outside Europe. Cashback is available in 30 supported currencies, including Bitcoin, Litecoin and Ether.
    N26
    • N26 Business Standard, Smart, and You. Receive 0.1% cashback on every card payment.
    • N26 Business Metal. Benefit from 0.5% cashback on all card transactions.
    Wirex
    • Wirex Multicurrency Card. Get up to 2% rebate in WXT with Wirex’s Cryptoback™ rewards on all spending, online and offline.
    Vivid
    • Vivid Standard. Gain up to €20 cashback per month and 10% Champion cashback at your favourite places.
    • Vivid Prime. Earn up to €100 cashback a month from the Prime Cashback, Champion and Super Deals programs. The cashback is automatically credited in your Stock Rewards Pocket and you can invest them in your preferred company stocks.

    Home loans

    Home loans in the Netherlands sometimes come with rebates as well. The amount offered tends to be much higher than what you would receive with credit cards because a home loan involves significantly higher overall spend.

    You may put the cashback towards your home loan, or store it as extra savings. Remember that choosing a home loan is an important decision. As such, you should consider rebates only as a bonus feature to your home loan. Ultimately, you should primarily consider interest rates, fees and loan terms when making a decision.

    What other types of cashback is there?

    There are plenty of other financial products that offer cashback deals. One popular example is a package deal, where you stand to get exclusive discounts when you bundle certain products and services together.

    For instance, a lender might offer you a rebate for getting a credit card alongside a new current account. These packages allow lenders to sell more products while customers benefit from the bundle’s convenience and lower costs.

    What to consider with cashback

    While cashback incentives may sound like a great deal, it can be difficult for you to decide if the incentive is worth what you’re actually paying for.

    Here are some important things to keep in mind before you agree to a cashback deal.

    • The original product on offer. Rebates could sometimes distract you from the original product on offer. Consider the credit card, home loan, or bank account you’re looking at and compare all its features and fees. The cashback deal should be a nice bonus benefit for you to think about, but should not primarily drive your decision.
    • Type of rebate. Not all rebates are the same. Some deals offer a direct discount on the product you’re purchasing, while others allow a future discount on an affiliate brand. You should pursue a cashback offer that can give you the most bang for your buck, depending on your preferences.
    • Rebate limits. Certain financial products, like credit cards, cap your redeemable rebate amount. Do remember to read the fine print on rebate limits before you pursue a cashback deal.

    Bottom line

    At the end of the day, you shouldn’t consider a financial product or service solely for its cashback. Besides rebates, consider it for all the features it offers including fees, features and other add-on benefits. If all the other features check out and the rebate is generous as well, that might just be the best deal for you.

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