Netherlands uses the Euro (EUR) — cards work almost everywhere.
Want the full guide? Get a PDF with cash and card tips for Netherlands — free.
Netherlands uses the Euro (EUR).
In Netherlands, cards work almost everywhere. Extremely card and contactless friendly — some shops don't accept cash at all, and locals mostly use debit (Maestro) over credit.
Exchange rates at airport kiosks are usually the worst available — a local ATM after you land almost always gets you a better rate, and a small amount of cash exchanged in advance is only worth it for late-night arrivals.
Always choose the local currency when a card terminal or ATM in Netherlands asks — "dynamic currency conversion" into your home currency almost always carries a worse exchange rate.
Banks and airport kiosks quietly add 3–7% to every exchange through worse rates and fees. A Wise account converts your money at the real mid-market rate, holds 40+ currencies, and comes with a card that works at ATMs and terminals in Netherlands like a local one — usually the cheapest way for travelers to spend abroad.
See how Wise works →Disclosure: if you buy through this link, TravelSmarter may earn a commission at no extra cost to you. It keeps our tools free.