The Netherlands is well-known for its beautiful canals, colourful tulip fields, and impressive artistic heritage. It’s a country that seamlessly combines its rich history with modern innovation. Discover the Netherlands’ rich tapestry of attractions, from the picturesque windmills of Kinderdijk and the vibrant streets of Amsterdam to the tranquil Wadden Islands and the storied city of Utrecht. There is something for everyone to enjoy in this captivating country. Getting around this country can be easy,if you familiarise yourself with the local cash, ATMs in Netherlands, and payment options. Discover the financial insights that will help you navigate the Netherlands’ vibrant cultural tapestry and breathtaking landscapes effortlessly. Embark on a journey filled with unforgettable moments and delightful Dutch experiences.
You may also enjoy reading Ultimate guide on how to save money for travelling in 2025.
Where can I find ATMs in Netherlands?
The Netherlands has over 6000 ATMs available. These ATMs are operated primarily by Geldmaat, which is a collaborative network owned by four major banks in the Netherlands. There are also ATMs owned by independent ATM operators, which is great to know. In the Netherlands, you’ll find ATMs in both cities and smaller towns, ensuring that you have convenient access to cash in Netherlands. However, if you’re planning to visit remote destinations or islands, don’t anticipate easily locating them.
You can find ATMs at:
- Major airports,
- Market and town squares,
- Every major town has its main tourist streets,
- Shopping malls,
- Food lanes,
- Bank branches,
- Some corporate buildings.
It will be difficult to find ATMs in:
- Small airports,
- Islands,
- Regional bus stops,
- Interior of the villages,
- In small towns, off the main roads.
Best ATMs to use in Netherlands for foreigners
The best ATMs for foreigners to use in Netherlands are those owned by popular banks such as:
Geldmaat – a shared ATM network owned by four banks,
ABN Amro,
Rabo Bank,
ING Bank,
SNS Bank.
Don’t accept conversion at ATMs and withdraw only in local currency
In Netherlands, some ATMs may ask – Accept OR Decline Conversion (also known as With or Without Conversion, or Charge in EUR).
- If you ‘Accept’ – ATM converts your money at ATM’s set exchange rate and you pay an extra % fee to the ATM for currency conversion also.
- If you ‘Decline’ – ATM will convert at exchange rate of the bank/card logo (Visa, Master, etc.).
So, to avoid extra fees while withdrawing cash in Netherlands, select ‘Decline/Without’ Conversion or ‘Charge in EUR’.
If you’d like to understand more, read ATM fees abroad: Charges to use cards at foreign ATMs explained.
Can I use a foreign debit or credit card at an ATM in Netherlands?
Yes, ATMs in the Netherlands accept a variety of cards, including Visa, Mastercard, Cirrus, Plus, and Maestro. Please note that the ATMs in the Netherlands do not accept JCB, UnionPay Amex, Diners, Discover, or RuPay cards.
For a detailed guide, read Money and Currency in Netherlands.
What are the ATM opening hours?
No. Not all ATMs in Netherlands operate 24×7. For security reasons, some of them will not work after 11 pm. They do work all days of the week. Those ATMs inside bank branches can also have limited hours – mainly business hours from 9 am to 3 pm.
What do they call ATMs in Netherlands and how to spot one?
The words ‘ATM’ or ‘Geldmaat’ or ‘Geldautomaten’ are commonly used. A lot of the ATMs are bright yellow in colour mostly with a smiley sign. Otherwise, look for the bank name.
PIN type
ATMs in the Netherlands are designed to accept 4-digit PINs. Typically, longer PINs are not accepted.
You want to also take cards that have chip-and-pin along with a magnetic stripe. Contactless is also always helpful.
Languages at ATMs in Netherlands
ATMs in the Netherlands are designed to be user-friendly and offer mainly Dutch and English as default languages. In addition, they often offer the convenience of other European languages like French, German, and Spanish. If you don’t understand these languages, try out Google Translate’s camera feature to translate the text of ATM screen! Just a quick note: These translations may not always be 100% accurate, so it’s best to take your time and not rush through the transaction.
Do ATMs in Netherlands work similarly as other countries?
Yes, very much. The ATMs are modern in appearance and operation, similar to those found in the US, UK, Europe, Australia, and India. Some of them take your card completely inside during the transaction, so remember to take it after withdrawing cash from such ATMs.
Join the discussion, read and share cash related travel experiences on ATM Fee Saver’s Community Travel Forum at Money & Travel in Europe.
What currencies can I withdraw from ATMs in Netherlands?
ATMs in Netherlands dispense only the official currency Euros (EUR).
ATM withdrawal limits in Netherlands?
ATMs in Netherlands have a maximum withdrawal limit per transaction of € 5,000. However, this is greatly dependent on the amount of cash notes available in the ATM at the time of withdrawal so one may be able to withdraw as less as € 400 per transaction if the cash in the ATM is lesser.
ATM Fees in Netherlands?
There are some fee-free ATMs in Netherlands. Majority of the bank ATMs are part of the shared ATM network called Geldmaat. If you’re card is from the European region, these bank ATMs do not charge any ATM Access Fees to foreign cardholders. For foreign cardholders from outside Europe, bank ATMs charge € 4.5 to € 10 per transaction, and fees go lower as the withdrawal amount increases. So, there are limited fee-free options in Netherlands for a foreign cardholder.
Apart from ATM Access Fees, there can be other potential charges to withdraw cash in Netherlands – something every traveller handling cash in Netherlands should be aware of. These are:
- Currency Conversion Fees (Accept or Decline Conversion)
- Your Bank’s currency conversion fee – Some banks charge the card holder a fee to use the card abroad. Cross check with your bank on what the charges are.
How to avoid high fees when withdrawing cash in Netherlands?
- Use the fee-free or lower fee ATMs in the country.
- Use the ATM Fee Saver app to find fee-free or low-fee ATMs.
- Opt for “Decline Conversion” or “Without Conversion” during ATM transactions.
- Consider getting a fee-free travel card from your home country.
- Get one Visa and one Mastercard fee-free cards as some ATMs abroad accept only Visa and some only Mastercard.
- Avoid using ATMs at the airports, sometimes they have higher fees.
For a detailed guide, read Withdrawing cash abroad? 9 best ways to save foreign ATM fees.
Ways to find fee-free ATMs in Netherlands?
Discover fee-free and low-fee ATMs on the ATM Fee Saver mobile app for iOS and Android. This app provides ATM PINs and details of leading bank ATMs such as ATM fees and withdrawal limits for foreign cardholders at ATMs in Netherlands. Moreover, its simple fee calculator helps you determine exact withdrawal charges. You can also find cash tips and tricks on the app for 160+ countries including Netherlands.
Download now from the App Store or Play Store.
Download ATM Fee Saver now.
Is it safe to use Netherlands ATMs?
Typically, yes. Many ATMs feature cameras. Crime rates near ATMs are low. Pickpocketing is more common in touristy areas.
To be safe, use precautions such as:
- Use the ATMs located inside bank branches instead of standalone ones.
- Avoid using ATMs on empty streets or late at night.
- Keep your card visible at all times.
- Cover the PIN pad with the palm of your hand to avoid revealing your PIN to hidden cameras.
- If you find any suspicious devices attached around the keypad area of the ATM, do not use the ATM.
- Be aware of your surroundings, if you see suspicious people, move away.
- Keep two or more cards as backup.
- If also using your mobile phone for the transaction, avoid using public Wi-Fi. Use VPN for extra protection.
FAQs
What to do if an ATM takes your card?
If an ATM in Netherlands takes your card, contact the bank (if you used an ATM inside a bank branch), they may retreive your card if you have proof of identity. You can also contact the bank’s helpline but they usually retreive and resend new cards only for their own customers. If so, you’ll need to contact your own bank and ask them to deliver a new card at home or abroad.
Fee-free ATMs and possible to withdraw cash free of cost at ATMs here?
Yes, it is possible. There are some fee-free ATMs in Netherlands. Majority of the bank ATMs are part of the shared ATM network called Geldmaat. If you’re card is from the European region, these bank ATMs do not charge any ATM Access Fees to foreign cardholders. For foreign cardholders from outside Europe, bank ATMs charge € 4.5 to € 10 per transaction, and fees go lower as the withdrawal amount increases.So, there are limited fee-free options in Netherlands for a foreign cardholder.
Foreign cards from US, UK, India, China, Europe, Australia accepted at ATMs in Netherlands?
Yes. ATMs in Netherlands typically accept credit cards from the United States, the United Kingdom, Europe, Australia, and other countries.
Bitcoin ATMs?
Yes, there are approximately 30 Bitcoin ATMs in Netherlands.
Foreign bank ATMs’ in Netherlands
Bank of America: There are no Bank of America ATMs in Netherlands.
Citibank: None.
Barclays: There are no Barclays ATMs in Netherlands.
HSBC: There are no HSBC ATMs in Netherlands.
Standard Chartered: There are no Standard Chartered ATMs in Netherlands.
