Travel money guide for spending while in the Netherlands | finder.com

Travel money guide: Netherlands

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Take your travel money to Amsterdam and spend like a local.

The Netherlands is famous for many reasons. With a reputation for being affluent, educated and ultra-liberal, its capital, Amsterdam, is a must-see destination for travelers around the world.

Whether you are sticking to the urban metropolis or venturing out to explore the country, find out the best way to take your travel money to the Netherlands — otherwise you’re throwing money away.

Compare travel cards for Netherlands

Updated August 15th, 2018
Name Product Currency Conversion Fee Annual Fee APR (Annual Percentage Rate) for Purchases
None
$195
16.74% variable
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
None
$0
14.74%, 18.74% or 24.74% variable
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees
None
$495
16.74% variable
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
None
$995
16.74% variable
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
None
$0 annual fee for the first year ( thereafter)
16.74%, 22.49% or 25.49% variable
Get 4 points back on dining, 3 on travel, 2 on Uber rides and online shopping and 1 on other purchases, and redeem points for Uber credits, gift cards or cash back.
None
$0
16.74% to 24.74% variable
20,000 online bonus points offer. Ditch the restrictions of typical airline rewards cards. Any airline, any hotel, anytime. No blackout dates.
None
$0 annual fee for the first year ($95 thereafter)
14.74%, 21.24% or 24.74% variable
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.
None
$0 annual fee for the first year ($95 thereafter)
17.74% to 24.74% variable
Earn 50,000 points when you spend $4,000 on purchases within the first 3 months of your account opening, and an additional 30,000 points when you spend a total of $30,000 on purchases within the first year of your account opening.
None
$95
17.74% to 24.74% variable
Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
None
$450
17.74% to 24.74% variable
Earn 50,000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
None
$550
None (Charge Card)
Get 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X points on eligible hotels booked on amextravel.com.
None
$450
17.74% to 24.74% variable
Enjoy United Club membership, Premier Access® travel services, free checked bags, plus earn miles on every purchase.
None
$75
16.74% to 24.74% variable
Buy one ticket, get one for just the taxes and fees ($0 fare plus taxes and fees from just $22) after you make $1,000 or more in purchases within the first 90 days of your account opening. There are no blackout dates.
None
$195
17.49% to 26.49% variable
Earn 70,000 Bonus Miles and 10,000 Medallion® Qualification Miles(MQMs) after spending $3,000 in purchases on your new Card in your first 3 months.

Compare up to 4 providers

Promoted
Travelex Money Card

Why we like: Travelex Money Card

Load GBP, EUR, CAD, AUD, JPY or MXN onto this prepaid travel money card and use it at millions of locations worldwide.

  • Not linked to your bank account for safety.
  • Convert currency with a 5.50% Foreign Exchange Fee
  • Contactless payments
  • Reload, withdraw, or replace your card for free.

    What should I budget for my trip to the Netherlands?

    Amsterdam and the Netherlands have a reputation for being expensive, but budget between $50 and $150 based on how you travel and what you decide to do.

    Amsterdam Budget Midrange Expensive
    to-sleep Dorm bed
    $20–$35
    Double room
    $90
    Double room at a high-end hotel
    $160+
    to-eat Lunchtime specials
    $13
    Dinner at a casual restaurant
    $25
    Dinner at an upscale restaurant
    $55
    train Outdoor exploration
    Free
    Museums and trains
    $18
    First class trains, guided tours
    $35

    *Prices are approximate and are subject to change

    Compare money transfers to Netherlands

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    What’s the best way to take money to Amsterdam and the Netherlands?

    Card payments are the norm, so expect to find many shops, restaurants and cafes that will not accept cash. ATMs are everywhere and most payments are made with chip and PIN technology or contactless touch-and-go cards.

    If you are heading off to the Netherlands, find a card that allows you to shop without paying extra for the foreign transaction and ATM fees.

    A quick summary of your travel money options in the Netherlands

    Travel money option Pros Considerations
    Debit cards for travel
    • Protected by PIN & chip
    • Ideal for managing your travel budget
    • Currency conversion and international ATM fees
    • No emergency cash
    • No backup cards
    Prepaid travel money cards
    • Protected by PIN & chip
    • Preload and secure your exchange rate in multiple foreign currencies
    • Accepted worldwide
    • Emergency card replacement and backup cards
    • Ideal for managing your travel budget
    • Local ATM fee
    • Reloading time
    • No fee if spending in a currency loaded onto the card
    Credit cards for travel
    • Protected by PIN & chip
    • Access to funds up to your credit limit
    • Accepted worldwide
    • No currency conversion or transaction fees
    • Perks including rewards points, 0% purchases and frequent flyer program
    • Emergency card replacement
    • High withdrawal and cash advance fees
    • Higher spending limit (depends on your approved credit limit)
    Traveler’s checks
    • Secure and can be easily replaced if lost or stolen
    • Photo ID needed to cash checks
    • Costly with initial purchase charges
    • Not all merchants accept traveler’s checks
    Cash
    • Greater payment flexibility
    • Convenience
    • More difficult to manage expenses
    • Higher risk of theft

    This table is a general summary of the travel money products in the market. Features and benefits can vary between cards.

    How the different travel money products work in the Netherlands

    Using debit card

    A travel-friendly debit card allows you to withdraw cash for all ATMs in the Netherlands, without carrying a lot on you at once. Because you’re spending your own money, you’ll avoid interest charges. Save money by finding a bank that waives the fee for international ATM withdrawals and doesn’t charge a monthly account keeping fee.

    • Tip: If you misplace your card, you’ll likely have to wait for a replacement, so it’s smart to have other options when it comes to spending.

    Using a travel prepaid card

    Travel cards can lock in conversion rates once you load USD. Use it for purchases without worrying about rates each time you spend — debit and credit cards often charge 3% for each transaction.

    Where you save in the conversion rates you may pay in fees. You’ll pay fees each time you load the card, ATM withdrawals and sometimes even an inactivity fee. And loading your card can take longer than you expect if you make the transaction on the weekend or holiday.

    Use this card to manage you money — like a debit card. You’re issued two cards, so if you lose one, you’ll have a backup. This type of card will allow you to effectively manage your money and comes with a backup incase you lose your primary card.

    • Tip: Banks that provide travel cards make money by applying a higher margin to the exchange rate. You can get a better rate using a debit card or credit card.

    Using credit cards

    Credit cards give you the most purchasing power on expensive items like hotels and flights when traveling in Vietnam. Find yourself a credit card that waives foreign transaction fees. Carrying a credit card gives you the added benefit of travel insurance and discounts, depending on your provider. For added savings, take advantage of the interest-free period by paying your balance in full each month.

    Cards that offer travel perks and waive fees often charge an annual fee, so make sure the fee is worth it before you bring it along on your travels. If you’re ever in a jam, credit cards also offer cash advances, though we don’t recommend it. You’ll pay high fees and interest rates apply the moment you get your money.

    If you lost your card…

    Call your bank immediately to have it canceled and make arrangements for a replacement. If your passport or other identity documents go missing, contact the US Embassy in the Hague immediately. Theft of identity papers contributes to the global black market of identity theft and human trafficking.

    Paying with cash in Netherlands

    You should be able to use your credit or debit cards anywhere in the Netherlands, but having some cash on hand can help just in case.

    Where to exchange money in the Netherlands

    You won’t have trouble finding money exchange offices or Geldwisselkantoors in Amsterdam. The business is highly competitive and most places usually offer fair exchange rates. Be sure to check the daily exchange rates and calculate how much money you’re expected to get, so you’re not short changed.

    Using ATMs in Amsterdam

    Geldautomaats or “money machines” are everywhere in the Netherlands — at post offices, supermarkets, train stations, hotels and on the street. They have an option for an English language menu and accept any card with chip and PIN technology. Banks and ATMs are widely available and are compatible with nearly all US cards.

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    Interview with Paul about his trip to the Netherlands

    Paul visited the Netherlands with some friends while vacationing in Europe. He spent four days in Amsterdam and then made his way to London. Because he expected to spend a lot in London, he kept a tight budget in Amsterdam. He used a travel money and a credit card with a low APR for all his purchases.

    What cards did you take with you?

    • Travelex Money card
    • Simmons Card

    Why did you take these cards?

    He brought the Travelex money card because he could easily load euros and pounds. He had no issues finding ATMs and merchants to accept his travel money card. And once he ran out of money, he easily reloaded it at the Travelex store in Amsterdam.

    Paul used his Simmons travel credit card for large purchases and hotel bookings. It didn’t charge a foreign transaction or annual fee. Paul says a the low 9.25% was important to him in case he wasn’t able to pay back the balance once he got back home.

    What’s your travel money recommendation?

    Paul said he saved a lot of money by withdrawing the maximum amount at ATM to save on the bank’s service charge.

    Do you have any travel money tips for the Netherlands?

    Paul says he spent more than he budgeted for in Amsterdam. It was his first time in the city and he indulged in all the “coffee shops” had to offer. He suggests to factor in a bit extra than you thin you might spend.

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    Tipping in amsterdam and the netherlands

    Round up to the nearest euro. It’s not really expected to leave a substantial tip in most places. Generally, Dutch people just round up to the nearest euro or two.

    5 travel tips for saving money in Amsterdam

    • Rent or Airbnb an apartment. One of the most popular ways to sleep well and affordably nowadays is by renting an apartment short term. Apartment rentals may be cheaper per person per night than your average hotel or hostel.
    • Buy an I Amsterdam Card. The IAmsterdam City Card is a city-issued tourist card that allows free entry into Amsterdam’s major museums, free unlimited use of public transport and discounts to a number of popular attractions. Buy it online, in news agencies or tourist information offices from €57 to €87.
    • Forget using a taxi. They’re pricey, and other forms of public transport are plentiful. Make like a local and bike around town.
    • Pack a picnic. If you want your spending money to last, head to one of the many high-quality city-markets and take your food to the park or along the canal.
    • Buy your train ticket in advance. You’ll find the tickets available for a much cheaper price online or by booking well in advance. The prices rise substantially at the station at the last minute.
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    Travel insurance for Netherlands

    Travel insurance protects more than just your health, having travel insurance protects from:

    • Lost or stolen luggage
    • Stolen travel cash and travel documents
    • Trip cancellation
    • Delayed luggage

    Compare travel insurance policies for the Netherlands and make sure your vacation is protected.

    Details Features
    Seven Corners Trip Protection Insurance
    Seven Corners Trip Protection Insurance
    Travel with a smile - protect your trip cost, your medical expenses, & your belongings.
    • Emergency Accident & Sickness Medical Expenses up to $250,000
    • Trip Cancellation – 100% of Trip Cost
    • Trip Interruption – up to 150% of Trip Cost
    • Political Evacuation - $20,000
    • Lost, Stolen or Damaged Baggage – up to $2,500
    • Emergency Medical Evacuation – up to $1 million
    Go to site More info
    Travelex Travel Max
    Travelex Travel Max
    TravelEx's most comprehensive protection plan for the comprehensive traveler. Offers optional Cancel For Any Reason upgrade.
    • Trip Cancellation - 100% of Insured Trip Cost
    • Trip Interruption - 150% of Insured Trip Cost
    • Trip Delay - $1000
    • Medical Expense Benefits - $100,000
    Go to site More info
    RoamRight Travel Insurance Essential
    RoamRight Travel Insurance Essential
    RoamRight’s Essential travel insurance package can be broken down into three critical parts: Trip Cancellation insurance, tourist health insurance, and baggage insurance.
    • Cancellation Cover - 100% Cost of Trip
    • Emergency Medical Expenses - $15,000
    • Emergency Evacuation and Repatriation - $150,000
    • Baggage and Personal Effects Cover - $750
    Go to site More info
    STA Travel Standard International
    STA Travel Standard International
    Get affordable cover for the essentials of options with STA's mid-level cover policy. This option will still provide up to $1500 in luggage cover and up to $100,000 in medical cover.
    • Trip Cancellation Cover - 100% of trip cost insured up to $10,000
    • Emergency Medical Expenses Cover - Up to $100,000
    • Baggage and Personal Effects - Up to $1,500
    • Trip Delay - Up to $500
    Go to site More info
    RoamRight Travel Insurance Preferred
    RoamRight Travel Insurance Preferred
    As the name implies, the Preferred package provides coverage for most trips and vacations.
    • Cancellation Cover - 100% Cost of Trip
    • Emergency Accident & Medical Expenses - $50,000
    • Emergency Evacuation and Repatriation - $500,000
    • Accidental Death and Dismemberment - $10,000
    Go to site More info
    Travelex Cancel for Any Reason
    Travelex Cancel for Any Reason
    Cancel For Any reason upgrade available with the Travel Max plan. Cancel for any reason - no questions asked.
    • Reimburses up to 75% of the insured trip cost
    • 100% cover if delayed to departure and loose at least 30%
    Go to site More info
    Atlas Travel
    Atlas Travel
    Provides customizable coverage for specific losses. Cover can be tailored to provide a balance between the basic essentials and premium cover.
    • Illness and Injury Cover - Up to $1 million
    • Emergency Medical Evacuation - Up to $1 million
    • Lost Checked Luggage - Up to $500
    • Travel Delay - $100/day up to 2 days
    Go to site More info
    Atlas Premium
    Atlas Premium
    Provides quality cover for a range of benefits with higher cover limits. Premium plan is perfect for travellers with health concerns looking for total protective cover.
    • Illness and Injury Cover - Up to $2 million
    • Emergency Medical Evacuation - Up to $1 million
    • Lost Checked Luggage - Up to $1,000
    • Travel Delay - $200/day up to 2 days
    Go to site More info
    Travelex Flight Insure Plus
    Travelex Flight Insure Plus
    Provides option to choose between different levels of flight insurance protection.
    • Flight Accident AD&D - Up to $1 Million
    • Baggage - $2,000
    • Medical Expense Benefits - $2,500
    • Medical Evacuation / Repatriation - $25,000
    Go to site More info
    STA Travel Explorer Plus
    STA Travel Explorer Plus
    Get premiere cover for a whole range of options with STA's premium policy. This option will still provide up to $100,000 in medical expense cover and up to $3,000 in cancellation cover.
    • Trip Cancellation Cover - $3,000
    • Emergency Medical Expenses Cover - Up to $100,000
    • Baggage and Personal Effects - Up to $2,500
    • Trip Delay - Up to $1,000
    Go to site More info
    Allianz Domestic Travel Insurance
    Allianz Domestic Travel Insurance
    Allianz Domestic Travel Insurance makes sure you are covered incase your planned trip unexpectedly goes awry.
    • Trip coverage - Depends on plan
    • Baggage coverage - Up to $1,000
    • 24-hour hotline assistance
    • Existing medical coverage - Up to $500,000
    Go to site More info
    Allianz International Travel Insurance
    Allianz International Travel Insurance
    If you frequently travel abroad and want extra coverage in case you get sick, injured, or need to cancel your trip, Allianz International Travel Insurance is the perfect solution.
    • Trip coverage - Depends on plan
    • Baggage coverage - Up to $1,000
    • 24-hour hotline assistance
    • Existing medical coverage - Up to $1,000,000
    Go to site More info
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    You might also be interested in:

    Do some research and make a comparison of the most suitable travel money options for you. If you make wise decisions about how to use your spending money, your budget will go further.

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