Is it better to use cash or card in Amsterdam?

Dutch currency Many shops and restaurants in Amsterdam accept credit cards, but not all. It is therefore recommended to either ask before you order or ensure you have a sufficient amount in cash to cover the bill. Most shops and restaurants do not accept €200 or €500 notes.



In 2026, Amsterdam is a city that significantly favors card over cash. Most shops, cafés, supermarkets (like Albert Heijn), and even public transport have become completely cashless. It is common to see signs stating "Pin Only," referring to debit and credit card payments. While a small amount of cash—roughly €20—is good for emergencies or occasional small tips, you can essentially navigate the city using contactless payments via your card or smartphone (Apple Pay/Google Pay). For public transport, you can simply "tap in and tap out" using your credit or debit card directly at the reader. Be aware that some international credit cards may still incur foreign transaction fees, so using a travel-friendly card like Wise or Revolut is highly recommended for the best exchange rates during your stay.

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That's because, in the Netherlands, there is no social or written requirement to tip a restaurant worker. However, if you received good service or thoroughly enjoyed the food, it's customary to give a small tip — around 5-10% of the bill. If your service was just average, round up the bill or leave some change.

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Advantages of using cash If your spending discipline breaks down when you use credit cards, cash may be a better choice while you let loose on vacation. No foreign transaction fees: Many credit cards charge an extra fee of up to 3% on purchases made outside the country, although you can find cards that don't.

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Using credit and debit cards in the Netherlands Major credit cards and debit cards, such as Visa, MasterCard and American Express are widely accepted in the Netherlands at restaurants, hotels, and tourist destinations. Although some small shops may charge a fee of anywhere from 2-6% if you use them.

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The train from Schiphol Airport to Amsterdam Centraal Station is the fastest and cheapest way to the city center. The train runs 24 hours a day, with departures scheduled for every 10–15 minutes between the hours of 6 a.m. and 1 a.m. (they depart every hour during other times).

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FAQs about Amsterdam Trip Cost 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.

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Paying with cash Although there is a strong rise of 'pin only' stores in our country, more than three quarters of all stores, pubs, bars, and accommodation offer the option to pay in cash.

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Cons of paying with cash: Cash is less secure than a credit card. Unlike credit cards, if you lose physical money or have it stolen, there's no way to recover your losses. Less Convenient. You can't always use cash as a payment method.

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