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    Payments at points-of-sale

    The Dutch mostly pay with debit cards from Maestro or V PAY. These figures are about payments at points-of-sale, including town hall tellers, busses and trams and vending machines.

    Chip-and-pin vs. contactless

    By the end of 2017 every other debit card payment in the Netherlands was contactless. However, for the whole of 2017 the average share of contactless payments was less than half.

    Contactless payments with smartphones or wearables (with built-in NFC-chip) are still rare but are expected to become more common in the years to come.

    Reverse card payments

    Reverse card payments are offered by Dutch shops that reimburse customers when they return recently made purchases. They are particularly popular in clothing and furniture stores. By the end of 2017 one in five shops that allow purchases to be returned, offered reverse card payments, for an average amount of € 50 per reimbursement.

    Leading online payment methods

    Reliable transaction figures are available for three popular online payment methods in the Netherlands. These figures cover every kind of online payment by Dutch residents, at domestic and foreign web shops, companies and institutions. For example, they include online payments for public services or online payments between friends and relatives.

    Please note: Several other online payment methods are not shown in this diagram because they cannot provide the required figures for Dutch residents only.

    E-Commerce payments by device

    The source of these figures is the eCommerce Payment Monitor from Thuiswinkel.org, the Dutch trade organisation for online merchants. They represent online payments by Dutch consumers at online merchants in the Netherlands and abroad. Online payments outside of e-commerce, such as payments between friends or for traffic violations, are not included.

    Giro-based payments

    The figures for domestic giro-based payments – mostly credit transfers and direct debits – are from De Nederlandsche Bank (DNB or the Dutch national bank). They include rapidly declining paper based payment requests. Notably, the figures about Acceptgiro payment requests only cover paper forms that are signed and forwarded by payers to their banks. The vast majority of Acceptgiro payment requests (90%) are transferred by payers to online banking and become regular credit transfers. In the end, these Acceptgiro forms are thrown out as paper waste.

    Internet and mobile banking

    In 2017 online banking was used by 84 percent of all Dutch bank customers, on desktops, laptops, tablets and smartphones. The total number of online banking transactions has been fairly stable for many years, around 1,5 billion. However, the value of these payments has suddenly increased considerably in 2017.

    More figures on online banking transactions by DNB…

    E-Mandates

    The Dutch banks launched the possibility to issue e-mandates through online banking in 2015. As a single mandate allows for multiple recurring direct debit payments over many years, the number of issued mandates per year is quite modest in comparison with the number of credit transfers or direct debits per year.

    Bank switching service

    These figures show the number of yearly applicants for the Dutch Bank Switching Service, business and private applicants alike. The Bank Switching Service allows bank customers to easily switch banks for payment services. Direct debits and account credits for the old account are automatically forwarded to the new account, for 13 months.  The service also assists customers to inform creditors and debtors about the new account number.

    Availability of payment chains

    Availibility 2016 2017
    Chip-and-pin and contactless 99.88% 99.90%
    Internet banking 99.79% 99.83%
    Mobile banking 99.77% 99.83%

    The Dutch Payments Association monitors the availability of the Dutch payment system. DNB, the Dutch national bank, sets requirements for the overal availabilty of chip-and-pin and contactless. The required availability for 2017 was set at 99.76%. For 2018 this was raised to 99.88%.

    The Payments Association also reports the availibility of internet banking (via websites) and mobile banking (with apps) for every quarter on its website.

    There are no formal requirements for internet banking or mobile banking but Dutch law dictates that online banking services may not be interrupted for more than two hours at a time.

    The availibility of iDEAL, the leading Dutch online payment method, is monitored by Currence. Currence tracks the average monthly availability of iDEAL as well as the real-time availability, hour by hour, going back for one week.

    Payment fraud (recent)

    These charts show the distribution of damages for the most important fraud categories in bank payment services, for the last two reporting years.

    Payment fraud (last 5 years)

    This line chart shows the trend for fraud with bank payment services during the last five years, for total fraud and for the biggest losses in giro-based payments (with internet banking), for debit cards (with stolen cards) and for credit cards (with online payments).

    Cash withdrawals

    Cash withdrawals and paymenst are in decline. Withdrawals at counters have become very rare and nonetheless ATM-withdrawals are also in decline. The Dutch increasingly pay with debit cards. Still, the availability and accessibility of cash remains very good. Over 99.5 percent of Dutch residents live within 5 km of a cash distribution point.

    Bank offices, ATMs and POS terminals

    The shift from cash to electronic payments is also apparent from the gradual decrease in the number of bank offices and ATMs and rapid increase of the number of payment terminals at points-of-sale.

    Payment instruments

    The number of payment accounts and payment cards in circulation has been quite stable in recent years because virtually all Dutch resident have a payment account with a debit card by the time they reach adulthood.