How do tourists pay in the Netherlands?

Tourists in the Netherlands primarily use contactless debit/credit cards (Visa/Mastercard) and mobile payments (Apple/Google Pay) for almost all transactions. The country is highly digital, with many locations being cashless. For public transport, commuters can tap in and out directly with contactless cards via OVpay.

What is the best way to pay for things in the Netherlands?

The dominant online payment method in the Netherlands is iDEAL, which allows customers to pay securely and directly through their own bank's online environment. For in-store purchases, debit cards (with Maestro and V-Pay as common schemes) are the most popular method, and credit card acceptance can be limited.

What is the 30% rule in the Netherlands?

The Netherlands' 30% ruling is a tax advantage for highly skilled international employees, allowing employers to pay up to 30% of their gross salary tax-free for up to five years to cover "extraterritorial costs" (moving expenses/extra living costs). Key conditions include recruitment from abroad, specific expertise needed in the Netherlands, and meeting a minimum taxable salary threshold (e.g., €46,660 for most in 2025). The ruling is being phased out, with a scaling-back (30-20-10) applied in recent years and a new flat 27% rate planned from 2027, though 30% still applies for 2025-2026.
 

Can I use contactless in the Netherlands?

You can pay with your debit card in just about any store. Moreover, POS terminals are often very modern, so you can use them to make contactless payments with your debit card or smart phone.

Is it better to take cash or card to Amsterdam?

The general consensus seems to be that it is best to use a credit/debit card to pay for transactions and/or withdraw cash in Amsterdam, rather than to change money up in advance and bring cash to Amsterdam.

16 Things I Wish I Knew Before Visiting Amsterdam 🇳🇱

Can I use my UK debit card in the Netherlands?

Using your debit card abroad

You can use your debit card to spend or withdraw cash worldwide. Just use it in the same way you do at home, wherever you see the Visa symbol. We convert card transactions into pounds using the Visa exchange rate.

Can I use English money in Amsterdam?

Like all cities in Netherlands, Amsterdam uses the Euro as its official currency. Each Euro is divided into 100 cents. While you're in Netherlands, you'll see the symbol € in shops and restaurants. If you're exchanging currencies, keep an eye out for the currency code EUR.

What is the 2 3 4 rule for credit cards?

The 2/3/4 rule for credit cards is a guideline, notably used by Bank of America, that limits how many new cards you can get approved for: no more than two in 30 days, three in 12 months, and four in 24 months, helping manage hard inquiries and credit risk. It's a strategy to space out applications, preventing too many hard pulls on your credit report and helping maintain financial health by avoiding over-extending yourself. 

Is it better to get euros or use a debit card?

Wherever you wander in Europe, it's wise to travel with cash euros. While ATMs and card facilities are widespread across the continent, this cannot always be relied upon. Some countries or areas off the beaten track have yet to fully embrace card payments, so cash means you won't get caught short.

What are the biggest issues facing the Netherlands?

As of Spring 2023, the most important issue facing people in the Netherlands was that of the environment and climate change, with over a majority of respondents selecting this option as being in one of the two most important issues. By comparison, relatively few people named the government debt or unemployment.

What are some popular Dutch foods?

There is a lot more to Dutch cuisine than pancakes!

• Poffertjes. ...
• Hollandse nieuwe haring. ...
• Pannenkoeken. ...
• Sate. ...
• Stamppot. ...
• Oliebollen. ...
• Erwtensoep. ...
• Bamischijf.

Is 70k a good salary in the Netherlands?

The average income in the Netherlands is around €36,500 gross per year. This means that a salary of €70,000 is almost double the average income. It is therefore understandable that this is considered a high income.

Do I tip in the Netherlands?

The amount you tip in the Netherlands will depend on where you are and what type of services you're buying. As a general rule, expect to tip around 10% of the bill. If you get exceptionally good service, say thank you with a tip closer to 15-20%.

Should I bring cash to the Netherlands?

If you only have a credit card, be advised that some Dutch supermarkets do not accept them at all. Even if you're in a tourist area where your card is normally accepted, it's always a good idea to carry a small amount of cash.

How to pay at restaurants in the Netherlands?

The payment system in the Netherlands

In most shops and restaurants, you can pay using a debit card or through contactless payment methods. Cash usage is decreasing and becoming less common. It is essential to always have a debit card with you. You can also use digital payment methods, such as Apple Pay or Google Pay.

What is the 15 3 credit card trick?

What Is the 15/3 Rule?

• Make a credit card payment 15 days before the bill's due date. You might be told to make your minimum payment, or pay down at least half your bill, early.
• Make another payment three days before the due date.

How much of my $1000 credit card should I use?

That said, most experts recommend limiting your credit utilization ratio (the percentage of credit that you're currently using) to just 30% of your credit limit. So, in this case, if your limit is $1,000, you shouldn't spend more than $300.

What is the golden rule of credit card use?

When using a credit card, remember the golden rule: only spend what you can afford to pay off in full each month. Carrying a balance leads to interest charges that can grow quickly. Paying off your statement balance each billing cycle keeps your costs down and your credit score in good shape.

Is 200 Euros a day enough for Amsterdam?

The average daily budget for a trip to Amsterdam can vary depending on your travel style and preferences. However, a rough estimate for a budget traveler would be around €60-80 per day, while mid-range travelers can expect to spend around €100-150 per day.

How much is 1 pound to 1 Euro today?

£ 1 GBP = € 1.1532 EUR

Last updated Monday, 19 January 2026 09:30. Rates shown are interbank rates. eurochange rates will differ.

What does "pin only" mean in the Netherlands?

If you've ever been to the Netherlands, you may have noticed that many stores have a "PIN-only" sign. This sign indicates that only payments from a PIN debit card, usually from a Dutch bank, are accepted. From grocery stores and gas stations to public restrooms, you will likely be expected to pay using this method.

How do I avoid foreign transaction fees on my debit card?

Settle payments in the local currency

1. Pay in the local currency with your card provider determining the rates and fees.
2. Pay in your home currency using a Dynamic Currency Conversion.

What are the new entry requirements for the Netherlands?

New European Union Entry/Exit System (EES)

Effective October 12, 2025, most U.S. citizens visiting the Netherlands for short stays should expect to have their biodata, including fingerprints and facial images, digitally collected at the border (upon arrival and departure).

Which ATM is best for Netherlands?

If you would like to use ATMs in the Netherlands, you should look for the yellow 'Geldmaat'. This ATM is officially issued by the government and all Dutch banks. These ATMs accept all types of bank cards.