Currently, OVpay is compatible with contactless debit cards from all of the major Dutch banks, as well as Mastercard and Visa contactless credit cards and contactless debit and credit cards from Maestro, VPAY, Mastercard and Visa. Thumb: Dutchmen Photography via Shutterstock.com.

Yes, you can now use contactless payment on all Dutch trains, including those operated by NS (Nederlandse Spoorwegen) and other regional carriers. This system is known as OVpay. You do not need a separate "OV-chipkaart" anymore; you can simply "check in" at the yellow gate or post using your contactless debit card, credit card, or mobile wallet (Apple Pay/Google Pay). It is essential to remember to "check out" at your destination using the same card or device to ensure the correct fare is calculated. If you forget to check out, you will be charged a "correction fee" (usually €20). For international visitors in 2026, using a credit card via OVpay is the most practical and cheapest solution, as it avoids the €7.50 cost of an anonymous chipkaart and the need to "top up" a balance. Note that OVpay currently only supports second-class travel by default; if you wish to travel in first class or apply specific "rail season" discounts, you still need to use a personalized or anonymous OV-chipkaart and configure the "class-switch" at a station kiosk before you board.