Is cash still widely used?
Rarely. The Netherlands has embraced cashless payments strongly. Debit cards (via PIN) are the dominant payment method, and iDEAL is used for online payments. Many Dutch businesses — including some supermarkets — have gone fully cashless.
ATMs and withdrawing cash
ATMs (geldautomaat) are available in cities and town centres. ING and ABN AMRO machines are the most widespread.
- Fees for foreign non-EU cards are typically around 3 EUR per withdrawal
- Some supermarkets have cashback at the till as an alternative
- Good availability in Amsterdam and major cities
Card acceptance
Excellent. Visa and Mastercard are accepted broadly, though the local Maestro/V Pay system is dominant among Dutch residents. Contactless is universal.
Tips for travelers
- Some Dutch businesses only accept Dutch debit cards (PIN) — check before assuming Visa works
- Carry a small amount of cash for smaller markets and older establishments
- Amsterdam is very tourist-friendly with excellent card infrastructure
- Tipping is appreciated — rounding up or leaving 10% is common