Netherlands Statistical Report 21-22

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The Netherlands is a constitutional monarchy and a parliamentary democracy. The Netherlands was one of the founder members of the European Union in 1958 and became a member of the euro zone in 1999. 

As one of the most highly-banked populations in the world, Dutch consumers have a strong affinity for online and mobile banking services, helped by bank-backed online bank transfer schemes like iDEAL and mobile service Payconiq. In particular, iDEAL is the most popular form of online payment in the Netherlands, with payment cards following behind. Credit cards have not grown as strongly as debit cards due to the traditional Dutch aversion to revolving credit, instead banks are expanding the range of services and benefits associated with debit cards. 

Instant transfers are yet another online bank transfer service that have been embraced by Dutch consumers, and Dutch banks have been proactive in promoting their usage. In the Netherlands, 90% of all single credit transfers between Dutch banks are Instant Payments, a much higher proportion than elsewhere in Europe. 

Services like Apple Pay are also forming a larger share of contactless payments, and the rapidly growing use of contactless wearable devices marks the Netherlands as an early adopter of payment innovations. 

The adoption of the revised Payment Services Directive, PSD2, and disruptive technologies have set the stage for digital payments for the digital economy in the Netherlands. They have accelerated digital payment transformation and mobile payment services, as well as cardless IBAN-based payments directly from bank accounts. 

In the last decade, Dutch consumers have embraced mobile devices such as tablets, smartphones and Internet of Things (IoT). This change significantly impacts their shopping experience. Consumers have become increasingly connected and they have started to purchase anywhere, at any time, from any device. 

In addition, new consumer demands are a game changer. Dutch consumers like digital banking apps with access to all their accounts at different banks in one single app, with the option to make payments directly from their bank account of choice. Additionally, they appreciate more banking services and payment services added to their mobile banking app. Consumer adoption of digital payments in the Netherlands is driven by minimal cost, secure payments and a high level of user convenience. 

Driven by the development of social media and mobile devices, the emergence of permanently connected consumers has impacted their interactions with brands but also their expectations of how to shop using the increasing number of touch points between consumers and merchants, e.g.: 

  • Using mobile devices in-store to look up products or additional information on the internet 
  • Using mobile devices in-store to shop at the same merchant or online at another merchant 
  • Using mobile devices to purchase at home in online shops or scan outdoor for advertised products 
  • Using mobile apps to shop online, or using QR-codes to bridge from merchant posters to their online shops 

The ongoing rollout of a mature online and mobile communication infrastructure is an enabler for digital card payment transformation and for Open Banking payments in the Netherlands. 

In a few years from now, mobile banking apps and mobile payment apps are expected to combine account management, digital payment services, personal finance management and value-added digital services from location finders to digital vouchers. 

Cash payments, card payments and cardless payments directly from bank accounts (A2A payments) remain all relevant for Dutch merchants and are heavily used by Dutch consumers. 

This country profile provides an introduction into two competing payment ecosystems in the Netherlands: 

  • Card payment ecosystem 
  • Cardless Open Banking payment ecosystem 


 UPDATED: tables with card business data 2016-2020; 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


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Version 1.0 - last updated Wednesday 26th January 2022