Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Travel money guide: Netherlands

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

Updated

Get credit card suggestions Compare travel cards
Exchange currency online Compare cash pickup

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.

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.

AmsterdamBudgetMidrangeExpensive
to-sleepDorm bed
$20–$35
Double room
$90
Double room at a high-end hotel
$160+
to-eatLunchtime specials
$13
Dinner at a casual restaurant
$25
Dinner at an upscale restaurant
$55
trainOutdoor 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

Back to top

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 optionProsConsiderations
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.

Using a credit card in the Netherlands

MUST READ: 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.

Our pick for a prepaid travel card
Travelex Money Card

Compare travel credit cards

Name Product Welcome offer Rewards Annual fee Filter values
American Express® Gold Card
60,000 points after spending $4,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Rates & fees
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a huge signup bonus worth $1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi Premier® Card
60,000 points after spending $4,000 in the first 3 months
3x points at restaurants, supermarkets, gas stations, flights and hotels and 1x points on everything else
$95
Earn 60,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening.
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$550
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
Marriott Bonvoy Brilliant™ American Express® Card
100,000 points after spending $5,000 in the first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021)
6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases
$450
Earn 100,000 bonus points when you spend $5,000 or more within your first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021). Rates & fees
loading

Compare up to 4 providers

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.

Back to top

Case study: Paul's experience

Paul profile photo
Paul

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.

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.

Cash pickup services in Netherlands

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
$1 Within an hour USD 3.99 0.847 EUR 843 Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up. Go to site Show details
$0 1 - 2 days USD 1.99 0.834 EUR 832 Special offers like free transfers and better exchange rates available for new customers.
Quick, affordable transfers around the world with both express and economy options.
Go to site Show details
$1 Within an hour USD 8.00 0.832 EUR 825 Easily transfer cash to more than 350,000 locations around the world. Show details
$1 3 - 5 days USD 20.00 0.83 EUR 813 The biggest name in money transfers can get your funds to friends, family, or businesses in almost every corner of the globe. Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

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.

Name Product Trip Cancellation Emergency Medical Expenses Baggage Coverage Trip delay
Allianz Travel OneTrip Emergency Medical Plan
$50,000
$2,000
$1,000
Budget-friendly policy designed for international and domestic travelers who want medical protection. Trip cancellation and trip interruption not included.
Allianz Travel AllTrips Basic Plan
$20,000
$1,000
$600
Annual policy that offers affordable protection, but doesn't include trip cancellation or trip interruption.
Travelex Travel Basic
100%
$15,000
$500
$500
Essential travel coverage — with the option to customize — that can protect the cost of your trip.
Travelex Flight Insure
$10,000
$1,000
$100
Protect the cost of your flight and choose the coverage amount that meets your needs — trip delay protection included.
RoamRight Essential Travel Insurance Plan
100%
$15,000
$750
$500
Basic policy with coverage that includes trip cancellation insurance, tourist health insurance and baggage insurance.
loading

Compare up to 4 providers

Back to top

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site