Most used retail payment methods in Netherlands 2005-2021
55 percent of all Dutch consumers have a credit card in his or her possession. The use of debit cards, however, is much more accepted as a payment method. The objective of both banks and retailers in the Netherlands was to reach a ratio of 60 percent debit card and 40 percent cash payments by consumers by the end of 2018. Leading reasons in the Netherlands to use credit cards domestically include online purchases, hotel reservations and payments in restaurants.
In the fourth quarter of 2021, approximately 33.2 million retail transactions were made using debit cards as opposed to 1.8 million with credit cards. According to the Dutch Central Bank (DNB), approximately