Using a credit card in the Netherlands

The Netherlands is a popular destination for many Brits due to its close proximity to the British Isles. Travellers are drawn to the country’s tulips, canals, pancakes and art galleries.

The Netherlands is, overall, a very modern and highly westernised destination. Card payments are the norm and as a major global leader in banking, financial services are widely available. In Amsterdam, expect to find many shops, restaurants and cafes that will not accept cash at all. Cash machines are everywhere, and most payments are made with chip and PIN, or contactless technology.

Visa and Mastercard are widely accepted, while American Express is less popular.

Cash machines in the Netherlands

“Geldautomaats”, which translates as “money machines”, are everywhere in Amsterdam and throughout 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.

You’ll find cash machines are linked to the Plus or Cirrus systems so using your Visa or Mastercard card will be easy. Bank-affiliated ATMs don’t usually impose additional fees to those your bank may levy.

Cash in the Netherlands

You’ll need to pay for most small purchases of around €10 to €20 in cash. Keep around €100 to €150 in cash to pay newspaper vendors, cafes, restaurants, bars and small souvenir shops. Don’t be surprised if you are looked at strangely when you ask to pay by card at a local bar when your bill is under €20. You may also come across shopkeepers who aren’t particularly comfortable using the card machines they have.

Find a great deal on your travel money for the Netherlands

Chip and PIN

Paying via debit or credit card with a PIN is very popular in the Netherlands with many shops, businesses and restaurants offering this as the main form of payment. Contactless technology is also growing so you can use it to pay for transactions of €25 or under.

The Netherlands has moved from magnetic-stripe to chip cards, and all banks in the Netherlands now issue the latter. You’ll still be able to use your magnetic-stripe card in the Netherlands, although you can expect some confusion. In the switching of technology, some retailers falsely believe that they can no longer accept magnetic-stripe cards while some others will not let you use them, to do their bit in reducing credit card fraud. All they basically need you to do is swipe your card instead of inserting it into the machine, and then get you to sign for the purchase.

If you use a chip-and-signature card, you can use it in the Netherlands just about everywhere you find a manned credit card machine. However, some businesses are hesitant in accepting them because they are not sure if it’s allowed and some others don’t accept them to cut down on credit card fraud. If you’re getting tickets from a machine, you’ll need to enter a PIN, in which case your chip-and-signature card won’t work.

Potential credit card fees

Credit card fees can leave a noticeable dent in your pocket when you’re travelling overseas, so know what you’re up against well in advance and choose a card with no or low fees.

Foreign transaction fees

British credit card issuers typically charge a fee equivalent to 1% to 3% of your transaction, so carefully review your card’s fine print to avoid statement surprises. Some cards designed for travel come with no foreign transaction fees, so this could be a good time to switch.

Learn more about cards designed for overseas spending

Currency conversion fees

If a retailer offers to bill your credit card in sterling, dynamic currency conversion comes into play. While this might sound like a good deal, you’ll actually end up getting a worse exchange rate, and you might also end up paying currency conversion fees. Whenever you’re presented with an option, choose to pay in the local currency.

Cash advance fees

Using your credit card to withdraw money from an ATM may not make sense unless it’s a bona fide emergency. Each time you withdraw funds from an ATM, you’re likely to pay a cash advance fee. Your APR for cash advances is normally higher than your purchase APR. Typically, you get no grace period and you will start paying interest immediately. Again, some cards designed for overseas spending will waive this fee.

The table below serves as an example of how much extra you may pay to use your credit card in the Netherlands.

Additionally you can get an idea of costs by using these online currency conversion tools from Mastercard and Visa.

Is it safe to use my card in the Netherlands?

By exercising some caution when using your credit card in the Netherlands, you will have a relatively trouble-free experience.

• Keep your PIN safe. Use one hand to enter the PIN and the other to shield it from prying eyes and hidden cameras.
• Select ATMs with care. Try and stick to ATMs in banks and avoid using ones in the street.
• Watch out for “skimmers”. When installed in an ATM, a card skimmer works by stealing information from credit and debit cards. If you feel the card slot is not as smooth as it should be or if there is a problem with the keypad, cancel your transaction and look for another ATM.

Keeping your credit card (physically) safe

Remain alert to street crime, especially where two or more people work in distracting victims before decamping with their valuables. Instances of theft at airports are not uncommon, so stay vigilant while arriving and departing. There have been numerous instances of thefts from hired cars so don’t leave your wallet or purse in a parked car. In some cases, thieves pose as police and ask to see wallets for identification purposes. In such a scenario, make sure you’re speaking with genuine police officers. It is very unlikely that a real officer will want to sift through your wallet.

How to prepare before travelling to the Netherlands

1. Go with Visa or Mastercard. Carry at least two cards on your trip to the Netherlands, preferably connected with Visa or Mastercard. If you just take an American Express card, you may find not everywhere accepts it.
2. Think no foreign transaction fees. When there are cards that come with no foreign transaction fees, using ones that charge 2% or 3% of each overseas transaction does not make sense. Some of these cards don’t charge an annual fee, either.
3. Keep your bank informed. Banks, in their efforts to thwart fraudulent transactions, block credit cards if they detect suspicious activity such as unexpected overseas transactions. To make sure this does not happen to your card, let your bank know about your travel plans before you leave the UK.
4. Keep the emergency number handy. Know which numbers you will need to call if you end up losing your card or if you need an emergency replacement.
5. Know where you’ll get cash from. Consider using your debit card to withdraw cash from ATMs. If you need to exchange money, stick to banks or official money-exchange offices because possessing counterfeit money in the Netherlands is a serious crime. Try to avoid exchanging money at airports and popular tourist destinations because of typically poor exchange rates.

Next steps

Ask yourself these simple questions before you leave so your spending in the Netherlands does not hit any roadblocks.

• Which cards will I take? Visa and Mastercard are the favourites. If you’re planning a trip, check out cards which give you complimentary airport lounge access. If you’re planning well in advance, consider earning air miles for your trip with a frequent flyer credit card.
• Have I let my bank know? If you don’t inform your bank about your travel plans, you may end up with a temporarily suspended card.
• What fees do I need to pay? If your existing cards come with foreign transaction fees, look for one that does not. Paying in sterling outside of the UK might come with currency conversion fees.
• How will I get cash? Using your debit card at an ATM is the simplest way to access your own money. You can carry cash and traveller’s cheques with you. Exchanging sterling to euros is easy and you’ll get several options.

When you’re in the Netherlands, you don’t have to worry about where and when you can use your credit card. Just keep some cash handy to pay for small purchases.

Compare cards with fee-free currency conversion in the Netherlands

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Name	Product UKCCF	Finder Score	Finder score	Foreign usage charge (EU)	Foreign usage charge (rest of world)	Purchases	Annual/monthly fees	Representative APR	Link	Incentive	Representative example
Santander All in One Credit Card		4.4 ★★★★★	★★★★★ Expert analysis	0%	0%	0% for 15 months reverting to 23.9%	£3 per month	29.8% APR (variable)	Check eligibility Read review Compare	0.5% after £1 of monthly spend. Maximum of £10 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).	loading Fetching your data...
Yonder Credit Card Finder Award		4.5 ★★★★★	★★★★★ Expert analysis	0%	0%	29.94%	1 month for £0, £15 per month thereafter	66.7% APR (variable)	Check eligibility Read review Compare	First month free for new members, £15 p/m thereafter. Plus, 10,000 bonus points. Earn 5 points per £1 spent and up to 25 points per £1 at selected partners. Membership includes worldwide travel insurance, no FX fees and use your points towards any flight.	Representative example: When you spend £1,200 at a purchase rate of 29.94% (variable) p.a. with a fee of £15 per month, your representative rate is 66.7% APR (variable).	loading Fetching your data...
118 118 Money Guaranteed Rate Card		3.8 ★★★★★	★★★★★ Expert analysis	0%	0%	49%	£0	49% APR (variable)	Check eligibility Read review Compare		Representative example: When you spend £1,200 at a purchase rate of 49% (variable) p.a., your representative rate is 49% APR (variable).	loading Fetching your data...
Yonder 'No Fee' Credit Card Finder Award		4.0 ★★★★★	★★★★★ Expert analysis	0%	0%	32.9%	£0	32.9% APR (variable)	Check eligibility Read review Compare		Representative example: When you spend £1,200 at a purchase rate of 32.9% (variable) p.a., your representative rate is 32.9% APR (variable).	loading Fetching your data...
Santander Edge Credit Card Mastercard		4.5 ★★★★★	★★★★★ Expert analysis	0%	0%	23.9%	£3 per month	29.8% APR (variable)	Read review Compare	2% after £1 of monthly spend in first year, then 1%. Maximum of £15 cashback paid per month.	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).	loading Fetching your data...
The Royal Bank Credit Card		4.6 ★★★★★	★★★★★ Expert analysis	0%	0%	12.9%	£0	12.9% APR (variable)	Read review Compare		Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).	loading Fetching your data...
NatWest Credit Card		4.7 ★★★★★	★★★★★ Expert analysis	0%	0%	12.9%	£0	12.9% APR (variable)	Read review Compare		Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).	loading Fetching your data...

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Frequently asked questions

• What is the sterling to euro exchange rate?

• How do I send money to the Netherlands?

  We use banks to take care of all our other financial needs, so surely we should use them when sending an international money transfer, right? Not necessarily. While major UK banks offer money transfer services, they typically present less competitive exchange rates coupled with high transfer fees. Learn how to send money to the Netherlands the smart way.

• What is the most commonly used credit card network in the Netherlands?

  Visa and Mastercard are almost on a par. American Express follows at a distant third.

• Are there any currency restrictions for entry into the Netherlands?

  There are no currency restrictions, although you’ll need to declare if you’re bringing in more than €10,000 or its equivalent in another currency.

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Chris Lilly

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Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

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