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Payment methods in the Netherlands

Find out how you can pay in the Netherlands and which payment option is right for you.

Not sure how to pay in the Netherlands? We break down all the common payment methods you can use in the Netherlands, including in-store and online. Find out how each payment method works, where you can use it and what providers there are.

Payment methods in the Netherlands

Cash

Cash is still accepted as a payment method in many places in the Netherlands. In fact, some markets and local shops only allow cash payments. Yet in a few other stores, paying in cash is no longer possible.

According to Nibud, the number of point-of-sale transactions made in cash in the Netherlands has been decreasing. In 2010, approximately 65% of payments were made in cash. In 2018, this percentage dipped to 37% and fell even further to 32% in 2019. Although this may seem like a drastic drop, it still equates to €34 billion in cash.

Payment cards

While the number of cash payments has been decreasing over the years, the number of card payments, are going up. Payment cards in the Netherlands can be split into two types: debit cards and credit cards.

  • Debit cards. A debit card is issued when you set up a bank account. It comes with a personal PIN code and allows you to make payments up to the maximum amount in your account balance. In principle, you can never spend more than what you have with a debit card, unless you consciously choose to be in the red. Depending on the bank and default spending limit, you may actually may payments that exceed your balance. But do note that overdrafts usually comes with a fee and high interest rates.
  • Credit cards. Credit cards are available in two options: prepaid and regular credit cards. A prepaid credit card functions in the same way as a debit card since you can’t spend more than the balance on your account. To use a prepaid credit card, you’d need to load funds to the linked account in advance. When this balance is depleted, you’ll not be able to transact further unless you top up the balance – so it’s almost impossible to be in the red with prepaid cards. Prepaid credit cards are usually free and issued by banks or e-wallet service providers. A regular credit card is a form of unsecured credit issued by banks. It comes with a credit limit and an interest rate which is set by the lender. When you use a credit card, you are essentially borrowing money from the bank to pay the retailer for goods or services. At the end of each monthly billing cycle, you’ll receive a statement that tells you the total amount you owe the bank. By paying back the debt in full and on time, you typically won’t be charged any interest fees.

Credit card providers in the Netherlands

Credit card companies

  • Mastercard
  • Visa
  • American Express

E-wallet prepaid creditcards

Contactless payment methods in the Netherlands

Contactless payment was first introduced in the Netherlands in 2015 and has become increasingly popular. Making contactless payments with debit cards (or your smartphone, smartwatch or other wearables) is possible at most point-of-sale terminals.

To conduct a contactless transaction, simply hold your connected device close to the payment terminal for the transfer to occur. Next, the accompanying app will prompt for authorisation and may require that you enter a PIN code. Do note that the maximum amount you can transact via contactless payments is typically limited to € 50 to € 100 per day.

Contactless payment options in the Netherlands:

  • Apple Pay
  • Google Pay
  • Payconiq
  • Garmin Pay
  • PayPal

Online payment methods

In addition to ‘over-the-counter payments’, we’re also making online purchases a lot more frequently these days.

With the global rise of eCommerce, you can buy almost anything online – be it apparel, groceries, toiletries or pet supplies. In 2019, it was reported that almost 79% of the Dutch 12+ population have bought something on the Internet.

When you check out an online order, you’d typically be able to choose from a wide range of payment methods such as credit/debit card, Paypal or other supported online payment services. This process is generally completed within minutes. Once the online merchant receive your payment, they’d proceed to pack and ship your purchases.

Online payment services in the Netherlands:

  • iDEAL
  • SaferPay
  • Mollie
  • Payolution
  • Ingenico
  • Stripe
  • Ayden

Direct bank transfer

In the past, one would have to head down to a physical bank branch and fill up a paper form in order to transfer funds between accounts. As technology advanced, we can now transfer money from a bank account to another online in a matter of seconds, anytime anywhere.

Most Dutch banks rely on digital and mobile banking platforms to offer a range of services, and one of its main features is to allow its customers to send and receive payments 24/7. Simply fill in your recipient’s bank details (e.g. bank name, IBAN/SWIFT code, country, account number etc) and the amount you wish to transfer. Once you have initiated the transfer, the bank proceeds to verify if you have sufficient money in your balance to conduct the transfer and if the transaction is legitimate. This process is almost instantaneous.

Some banks even allow you to send a payment request in the form of a text message, email or WhatsApp. Ensure that the sender has the correct details of your bank account before transferring.

How to choose the right payment method

If you’re wondering which of the payment methods above is the most ideal, know that there’s no fixed answer to this since different situations call for different payment methods.

Here are some factors to consider when choosing a payment method:

  • Place. If you pay in a store or at the market, make sure to check for the types of payment methods that are accepted by the merchant. PIN payments are generally accepted at almost every retailer in the Netherlands, but credit/debit card payments are not. Bear in mind that local shops or small market stalls may only accept cash payments.
  • Security. Different payment methods pose their own security risk. E-wallets, for example, are often not as strictly regulated as (online) banks in the Netherlands. Depending on the transaction amount, your account balance, as well as the level of security you’re comfortable with.
  • Costs. Some payment methods may incur additional fees. For example, many Dutch banks offer free SEPA transfers, but other providers may charge a fee for wire transfers or direct debit. While these costs are usually negligible, they can add up over time. So make sure to keep this in mind before selecting a payment method.
  • Convenience. The ease of payment is also a point to take into account. For example, most Dutch banks offer debit or credit cards equipped with contactless payment technology. In addition, you can often link these bank cards to contactless payment apps (e.g. Apple Pay or Google Pay) on your smartphone or wearables.

Dutch bank accounts typically offer a wide selection of payment options, such as ATM withdrawals for cash payments, PIN input for debit cards, RFID chip embedded cards for contactless payments and 16-digit debit/credit numbers for online payments. This way, you can use a variety of payment modes with the same account.

Compare contactless bank cards

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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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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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    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.
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