Paying in Amsterdam: Cards, Cash and What Works

The short version

Payments in the Netherlands work differently from many other countries. Dutch shoppers mostly use debit cards, and many businesses do not take credit cards at all, or add a fee if they do. Bring more than one way to pay.

Why credit cards get refused

• Debit is the local default. Businesses set up their terminals for Dutch debit cards, and some are not set up for credit.
• Fees. Credit card fees are relatively high, so some small businesses avoid them or pass on the cost.
• Some cards are accepted less widely. American Express in particular is often not taken.
• Contactless limits. Foreign cards may need a chip and PIN for larger amounts.

Cards that tend to work

A debit card from Visa or Mastercard usually works. Many places also accept credit cards from those networks, but it is worth asking before you order. Set up your card for chip and PIN, and remember your PIN.

Coffeeshops

Coffeeshops often prefer cash, and some accept debit cards only. Card rules vary from shop to shop, so carry euros. See our guide to ordering.

How much cash

You do not need a large amount. A modest reserve for coffeeshops, small cafés, markets and tips is enough for most days. Withdraw from cash machines at banks, and check your bank's foreign fees first.

Tips for smoother payments

• Tell your bank you are travelling.
• Check that your card works abroad and has a chip.
• Keep a second card and some cash in a separate place.
• If asked whether you want to pay in your home currency, choose euros, which is usually cheaper.

Planning costs? Try our budget calculator.