What is the best way to pay for things in the Netherlands?

Debit Cards Debit cards are the top payment method across the entire retail sector in the Netherlands, despite the high number of iDEAL transactions online.



In 2026, the Netherlands has become one of the most "cashless" societies in the world, and the best way to pay is using a contactless debit card or a mobile wallet like Apple Pay or Google Pay. Most Dutch retailers, supermarkets (especially Albert Heijn), and cafes use the "Maestro" or "V-Pay" systems, which are now widely compatible with international Mastercard and Visa debit cards. Interestingly, many small businesses are now "PIN Only," meaning they do not accept cash at all. While credit cards are accepted in tourist areas and major hotels, they are surprisingly still refused in some smaller local shops and supermarkets. For online payments or local services, the "iDEAL" system is the king of the Dutch market, though this usually requires a Dutch bank account. For a tourist, the most seamless experience is achieved by using a travel-friendly debit card (like Monzo, Revolut, or Wise) loaded into your phone’s NFC wallet, which allows you to "tap and pay" for everything from a stroopwafel to your train ticket.

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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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Yes it is. It behaves like any other Visa or Mastercard credit card.

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Apple Pay can only be used in-store at certain merchants in the Netherlands. However, most cafes, shops, grocery chains, and petrol kiosks, from ALDI to McDonald's, should accept Apple Pay as long as the store has a POS terminal that accepts tap-and-go payments.

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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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Tipping is not mandatory, and you should only do so if you feel comfortable about it and if you want to reward truly exceptional service. Tipping for great service is very much appreciated.

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If you like to get you're bill you'll have to ask the waiter for it. You can pay by cash or pin (debit or credit card). Waiters are on a salary (like everybody else in Holland) (s)he doesn't depend on a tip for a solid wage, so no tipping neccesary. What we normally do is round the bill upwards.

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