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