Continue

Table of contents

    Continue

    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 with debit cards, credit cards and cash, including at town hall tellers, busses and trams and vending machines.

    Card payments in 2018 have increased by a whopping 12.6% compared to 2017. The yearly growth of card payments has not been this high since 2001.

    Chip-and-pin vs. contactless

    By the end of 2017 every other card payment in the Netherlands was contactless. By the end of 2018 the share of contactless payments with debit cards and credit cards had increased to 56%.

    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. The average amount for a reverse card payment in 2018 was €51,50.

    Person-to-person payments

    Consumers roughly make 800 million person-to-person payments per year, with cash, electronically with credit transfers and payment requests and with various kinds of gift cards. The convenience of payment requests with mobile apps has boosted the number of electronic person-to-person payments,
    at the expense of mutual cash payments.

    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 (until 2017)

    The source of these figures until 2017 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.

    Figures for 2018 are not yet available!

    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.

    Mobile banking and internet banking

    Almost nine in ten Dutch bank customers use mobile devices (smartphones and tablets) or internet banking (on desktops and laptops) for banking services. In the third quarter of 2018 the use of mobile devices for banking services surpassed the use of internet banking.

    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

    Availibility201620172018
    Chip-and-pin and contactless99.88%99.88%99.89%
    Mobile banking99.77%99.83%99.75%
    Internet banking99.79%99.83%99.72%

    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 2018 was set at 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 (2016 and 2017)

    These charts show the distribution of damages for the most important fraud categories in bank payment services, for 2016 and 2017.

    Figures for 2018 are not yet available!

    Payment fraud (2013 - 2017)

    This line chart shows the trend for fraud with bank payment services from 2013 to 2017, 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).

    Figures for 2018 are not yet available!

    Cash withdrawals

    Cash withdrawals and payments 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 dispense facility.

    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.