Europe · GDP rank #16
Netherlands
NL · EUR @ 1.1595/USD
Cards — specifically Maestro and its debit successors — dominate at the point of sale, while e-commerce runs almost entirely through iDEAL, the domestic bank-transfer scheme owned by a consortium of Dutch banks and being migrated into the pan-European Wero wallet. Cash usage is among the lowest in the euro zone. Regulatory posture is EU-compliant with a DNB emphasis on AML vigilance after the 2020s ING-ABN scandals.
Tab 02
Consumer payments
How consumers actually pay: the share of cash, the stock and flow of cards, the scheme split at checkout, which mobile wallets matter, and how broadly POS acceptance reaches.
Every figure is authored against a named publisher — click the ⓘ anywhere to open the source panel with the underlying URL and access date.
Cash share of POS volume
% · 2024
Debit card share
% · 2024
Credit card share
% · 2024
Mobile wallet share
% · 2024
Payment mix
At the point of sale
The shares below are POS volume (count of transactions), which reads differently from POS value. For the value-share read, see the card-economy grid underneath.
Share of POS
- Cash20%
- Credit card4%
- Debit card67%
- Instant / A2A5%
- Mobile wallet24%
- BNPL13%
- Other4%
Cash behaviour
- ATM network
- 5,300
- Avg. ATM withdrawal
- €130
- Cash share · value
- 10%
- Cash share · volume
- 20%
Source · Geldmaat
Scheme share
Which networks clear the card volume
Scheme share is the split of general-purpose card purchase volume — not issuance, not count of cards. A high domestic share (e.g. UnionPay, RuPay, ELO) means a large share of card flow never touches a global scheme.
Maestro was retired end-2023; Dutch banks migrated debit cards to Mastercard Debit co-badged with iDEAL.
Share of card volume
- Visa31%
- Mastercard62%
- Amex5%
- Other2%
Debit card transactions
transactions/year · 2024
Debit card spend
EUR annual · 2024
Credit card transactions
transactions/year · 2024
Credit card spend
EUR annual · 2024
Average debit ticket size
EUR · 2024
Average credit ticket size
EUR · 2024
Mobile wallets
Where wallets actually land
User counts are the best single scalar for wallet reach, but they understate usage intensity in markets where one super-app carries multi-digit trillions of renminbi or rupees. For flow, see the rails tab.
Active users
- Apple Pay4.8M
2024
- Google Pay3.9M
2024
- Wero2.6M
Q1 2026
- iDEAL (pre-Wero)~20M
2024
- Tikkie8M
2024
Notable wallets
Apple Pay
Betaalvereniging Nederland
Google Pay
Betaalvereniging Nederland
Wero
European Payments Initiative
iDEAL (pre-Wero)
Currence
Tikkie
ABN AMRO
Full reference