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Debit cards in the Netherlands

Spend money anytime, anywhere with a debit card.

Debit cards are a convenient way for you to spend your own money, but not all of them are the same. This guide covers what you need to know about debit cards in the Netherlands, including how they work and how to find one for you.

Compare a range of debit cards

1 - 9 of 9
Name Product Mobile View Digital Banks EN Monthly fee Card delivery Mobile payments Supported currencies
Wirex Standard
  • Monthly fee

    € 0

  • Card delivery

    Up to 4 business days

  • Mobile payments

  • Supported currencies

    12

€ 0
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.

Benefit from an array of digital payment features, including a free prepaid Wirex card and unlimited fee-free transfers at interbank rates - with zero monthly subscription fee.
N26 Bank Account
  • 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

Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
Wise Multicurrency Account
Wise Multicurrency Account
  • Monthly fee

    € 0

  • Card delivery

    Up to 14 working days

  • Mobile payments

  • Supported currencies

    17

€ 0
Up to 14 working days
Apple Pay, Google Pay

17

Wise (formerly TransferWise) is an international account for over 50 currencies, with instant, super-cheap money transfer, a card to spend in any currency, bank details to get paid in 30 different countries and multi-currency direct debits.
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.
Openbank Open Payment Account
  • Monthly fee

    € 0

  • Card delivery

    N/A

  • Mobile payments

  • Supported currencies

    1

€ 0
N/A
Apple Pay, Google Pay

1

An open payment account with € 0 fees and free domestic and EU transfers. Includes a free debit card with travel benefits.
Nuri
  • Monthly fee

    € 0

  • Card delivery

    Up to 14 days

  • Mobile payments

  • Supported currencies

    1

€ 0
Up to 14 days
Apple Pay, Google Pay, Samsung Pay

1

Invest in cryptocurrencies and enjoy up to 5% interest per year on Bitcoin deposits with this digital bank account
VIALET Current Account
  • Monthly fee

    € 0

  • Card delivery

    Up to 7 working days

  • Mobile payments

  • Supported currencies

    1

€ 0
Up to 7 working days
Apple Pay, Google Pay

1

An IBAN account you can use to manage your money and spend in over 200 countries worldwide, fee-free.
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.
Monese Starter
  • Monthly fee

    € 0

  • Card delivery

    Up to 3 working days

  • Mobile payments

  • Supported currencies

    2

€ 0
Up to 3 working days
Apple Pay, Google Pay

2

A dual currency account with no foreign currency fees up to N/A. Features include budgeting tools and multilingual support.
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Compare up to 4 providers

1 - 17 of 17
Name Product Mobile View Digital Banks EN Monthly fee Card delivery Mobile payments Supported currencies
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.
bunq Easy Money Personal
  • Monthly fee

    € 8.99

  • Card delivery

    Up to 10 working days

  • Mobile payments

  • Supported currencies

    19

€ 8.99
Up to 10 working days
Apple Pay, Google Pay, Fitbit Pay, iDEAL

19

A card linked to up to 25 individual IBAN accounts. Earn interest on all money in your account and benefit from competitive rates and fees.
N26 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

Receive a stainless steel Metal card available in 3 shades, an insurance package, exclusive offers, and great rates and fees.
bunq Easy Bank Personal
  • Monthly fee

    € 2.99

  • Card delivery

    Up to 10 working days

  • Mobile payments

  • Supported currencies

    19

€ 2.99
Up to 10 working days
Apple Pay, Google Pay, Fitbit Pay, iDEAL

19

Benefit from zero FX fees, bill splitting facility, and a wide range of advance payment features with this low-cost digital account.
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
N26 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 smart IBAN account with no currency conversion fees, complimentary insurances and no ATM fees here or abroad.
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.
Wirex Elite
  • Monthly fee

    € 29.99

  • Card delivery

    Up to 4 business days

  • Mobile payments

  • Supported currencies

    12

€ 29.99
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.

Access supercharged rewards and curated merchant offers in addition to standard Wirex digital payment features and travel card.
bunq Easy Green Personal
  • Monthly fee

    € 17.99

  • Card delivery

    Up to 10 working days

  • Mobile payments

  • Supported currencies

    19

€ 17.99
Up to 10 working days
Apple Pay, Google Pay, Fitbit Pay, iDEAL

19

An account with an exclusive stainless steel card. Help the environment – a tree will be planted for every € 100 you spend.
N26 Smart
  • Monthly fee

    € 4.95

  • Card delivery

    Up to 10 working days

  • Mobile payments

  • Supported currencies

    1

€ 4.95
Up to 10 working days
Apple Pay, Google Pay

1

A mid-tier, premium subscription plan that comes with a range of essential money management features to help you better manage your finances.
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.
VIABUY Online Account
  • Monthly fee

    € 1.66

  • Card delivery

    Within 24 hours

  • Mobile payments

  • Supported currencies

    1

€ 1.66
Within 24 hours
Apple Pay, Google Pay

1

A secure, prepaid card that lets you spend worldwide. No credit checks and receive your card within 24 hours.
Triodos Internet Payment Account
Triodos Internet Payment Account
  • Monthly fee

    € 5

  • Card delivery

    N/A

  • Mobile payments

    • Supported currencies

      1

    € 5
    N/A
    iDEAL

    1

    A Triodos internet payment account is an online and mobile banking services for those who want to change the world for the better.
    Monese Premium
    • Monthly fee

      € 14.95

    • Card delivery

      Up to 3 working days

    • Mobile payments

    • Supported currencies

      2

    € 14.95
    Up to 3 working days
    Apple Pay, Google Pay

    2

    A premium card with no fee for international payments, no foreign currency fees and unlimited ATM withdrawals at home and abroad.
    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.
    Monese Classic
    • Monthly fee

      € 5.95

    • Card delivery

      Up to 3 working days

    • Mobile payments

    • Supported currencies

      2

    € 5.95
    Up to 3 working days
    Apple Pay, Google Pay

    2

    A dual currency card designed for travellers with no foreign currency fees up to Unlimited and foreign transfers in 8 currencies.
    Knab Plus
    Knab Plus
    • Monthly fee

      € 5

    • Card delivery

      3 to 5 working days

    • Mobile payments

    • Supported currencies

      1

    € 5
    3 to 5 working days
    Apple Pay

    1

    Get your complete banking package via the app for only € 5 a month and enjoy multiple (saving) accounts and even a free credit card if you wish.
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    1 - 1 of 1
    Name Product Mobile View Digital Banks EN Monthly fee Card delivery Mobile payments Supported currencies
    Openbank Я42 Debitcard
    • Monthly fee

      € 7.99

    • Card delivery

      N/A

    • Mobile payments

    • Supported currencies

      1

    € 7.99
    N/A
    Apple Pay, Google Pay

    1

    With the Openbank Я42 debit card you can easily spend money worldwide. In addition, for only € 7.99 you can travel stress-free thanks to the flexible travel card plan, which also immediately insures you.
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    Disclaimer: The products listed on this page are not representative of the whole market.

    How does a debit card work?

    Debit cards are attached to your bank account and allow you to spend the money in that account. You can use your debit card to make purchases online and in-store and withdraw cash from ATMs. As soon as you make a purchase or withdraw money from an ATM using your debit card, the money will be deducted from your bank account.

    You’re also able to set up an overdraft on your bank account so you can draw over the amount you have available. Keep in mind that not all banks offer this, and those that do tend to apply high interest rates.

    What features do debit cards have?

    Debit cards can come with a few different features, including:

    • Low fees. Compared to credit cards, debit cards is an affordable way to make payments. You’ll not be charged any ongoing fees and cash withdrawals are free within the Netherlands and usually in the EU. Unlike a credit card, you won’t have to make payments at a later date so there’ll be no risk of incurring any late payment fees. The main fee to watch out for is currency exchange fees if you use it abroad.
    • Contactless. If your debit card is equipped with contactless payment technology, you’d only need to tap it on the payment terminal to complete a transaction. However, there is a limit of €25 for contactless transactions.
    • Security. Debit cards don’t only allow you make payments, but they also keep your money secure. When you’re issued with your debit card, you’d need to choose a PIN and sign the back. Some banks also allow you to lock your card instantly if you’ve lost it.
    • ATM withdrawals. Most ATMs in the Netherlands allow for free cash withdrawals in Euros. However, you’d usually incur a fee if you withdraw money overseas.
    • Spending abroad. Depending on your debit card, you may not be able to make withdrawals overseas. If you are, you will usually be charged an overseas ATM withdrawal fee and a foreign currency exchange fee.
    • Pay parking fees. You can pay parking fees in the Netherlands with your debit card without entering your PIN. This is also known as Dip & Go.

    What’s the difference between a debit card and credit card?

    The main difference between a debit card and a credit card lies in how you’ll be spending your money. With a debit card, you can only spend what is in your account, while a credit card allows you to spend on credit, which you’d have to pay back at a later date. Here are the differences between a debit and credit card:

    Debit card

    • Usually free or cheaper than a credit card
    • An widely accepted payment method in the Netherlands and most of Europe. Outside Europe, merchants may be less inclined to accept this payment mode
    • Money is immediately debited from the account after payment and you’re unable to spend more than your balance
    • Cash withdrawals in the Netherlands and in euros is almost always free
    • Limited or no extras benefits

    Credit card

    • Usually more expensive than a debit card
    • Worldwide acceptance in both retail and online stores. But do take note that credit cards is not widely accepted as a means of payment in the Netherlands
    • You spend on credit and only pay it back at the end of the month (sometimes with interest)
    • Cash withdrawal often incur fees and high interest, both in the Netherlands and abroad
    • Often comes with bonus extras, such as travel insurance and purchase guarantees

    How do PINs work?

    A PIN (personal identification number) allows you to spend money held in your bank account using your debit card securely. When you sign up for a bank account and receive your debit card, you should receive instructions on how to set your PIN. This may be done online through your Internet banking portal or banking app.

    Keep your PIN to yourself and do not share it with anyone as this will help ensure your funds remain secure. If you forget your PIN or need to change it, make sure to contact your bank directly.

    How can you pay safely?

    It is important to keep your PIN to yourself, memorise it and never write it down anywhere. Keep the following tips in mind when you use your debit card and PIN code:

    • Keep PIN away from prying eyes. Cover it with your hand when you input the PIN to prevent others from seeing it.
    • Stay alert. Do not be distracted during the PIN, as this can prevent you from protecting the PIN properly.
    • Activate contactless payment. With contactless payment, you wouldn’t have to enter the PIN code.
    • Check your payment amount. If you’re making a payment transfer via ATM, make sure to double check if the amount you’re sending is correct.
    • Lower the limit of your debit card. By lowering the limit, they can never withdraw more than that amount from your account.
    • Cut your old card in half. If you’ve a new card, dispose the old one after cutting it into half.
    • Check your debits regularly. Ensure that there’s no unrecognised transactions on your account.
    • Block your debit card immediately if compromised. If you notice that you have lost your debit card, make sure to block it as soon as possible.

    How do you apply for a debit card?

    In the Netherlands, you’ll automatically receive a debit card within a few working days when you open a new bank account. To activate your card, you’d normally need to log into the bank’s Internet banking platform or in the mobile app. The PIN is always sent to you in a separate mailer or through the banking app as soon as the card is activated.

    Depending on the bank, parents can also request a debit card for your child from 6 or 8 years old. This youth card is part of a children’s savings account and often has a lower spending limit that can be adjusted based on your preferences. In addition, parents are also granted full insight into the account and instill money sense for their child.

    Frequently asked questions

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