Payment Card Year Books

Netherlands 2019/2020

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Payment Organisations

Currence managed domestic payment products until end-2014
Betaalvereniging Nederland (Dutch Payments Association)

Domestic Card Brand

No domestic debit cards. PIN phased-out by end-2011.
E-purse Chipknip cards were phased-out by end-2014.

Market Structure

Debit cards, with 4.53 billion payments in 2018, dominate the market. All Dutch retail banks issue Maestro cards. In addition, De Volksbank issues V PAY cards.

Despite bank programmes, credit card use remains low.
Online bank transfer service iDEAL is an essential financial service in the Netherlands. It dominates online payments and mobile payments.

Card payments by number are 15.45 times higher than cash withdrawals on cards by number; the card payments value is 2.93 times higher than the withdrawals value on cards.

The Dutch card market has a decentralised infrastructure composed of 30 major issuer banks, 18 debit acquirers, three credit card acquirers, three processors, 35 PSPs, one ATM network, two POS networks and two resident EMIs licensed by DNB/AFM.

Emerging Open Banking ecosystem.

Notable Market Trends

Roll-out of contactless cards/terminals, mobile banking apps,
Payconiq, mobile HCE NFC pilots, immediate payments.

Statistical Key Figures for 2018 provided in this profile:

UPDATED: tables with card business data 2014-2018; growth rates: Y-o-Y, CAGR
Population, Cards per Capita, Card Value per Capita
Debit Cards, Credit/Delayed Debit Cards, Total Cards
Card payments by number and by value, ATV per card, payments per card/year
ATMs, POS terminals, ATMs/POS terminals per 1 million capita
ATM withdrawals by number/by value, ATV per withdrawal, TXs per ATM/month
POS payments by number/by value, ATV per POS payment, TXs per POS/month
Internet Use, e-payment mix, B2C e-Commerce by value and growth rate
Issued Card brands by individual major issuer bank
Accepted card brands by individual major acquirer
Drill down into the debit card use and credit cards use details

Product information

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1.1 last updated 13th January 2020