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Cash payments

Every Dutch citizen can use a debit card linked to a payments account to withdraw cash from an ATM. In the Netherlands, this can be done at Geldmaat's yellow ATMs, which also allow you to deposit money.

Recent developments in society

  • Cash is a topic of public debate.
  • Digital payment methods are gaining popularity due to their convenience and efficiency.
  • Cash remains essential for certain groups.
  • Voluntary agreements and legislation ensure that cash remains readily available and accessible.

Role of the Dutch Payments Association

  • The Dutch Payments Association strives to ensure that cash payments in the Netherlands function well, are affordable, secure, and accessible.
  • We stimulate innovation, seek a good balance between cash and digital payments, and work together with various stakeholders to achieve this.
  • We provide reliable facts and figures about the use and costs of various payment methods at the point-of-sale, including cash.

Our vision for the future

  • The Dutch Payments Association believes in a future in which cash and electronic payments continue to coexist.
  • We strive for an inclusive payments system in which everyone can pay in the way that suits them best.
  • We remain committed to reliable, accessible, secure, and affordable cash transactions—now and in the future.

Facts and figures

  • 1.4billion In 2024, 1.4 billion purchases were paid for in cash at the counter
    In 2024, 1.4 billion purchases were paid for in cash at the counter
  • €29.5billion The total value of cash payments at the counter amounted to €29.5 billion in 2024
    The total value of cash payments at the counter amounted to €29.5 billion in 2024
  • In 2024, nearly 1 in 5 cash register payments were made in cash
    In 2024, nearly 1 in 5 cash register payments were made in cash
  • 16% For payments between €50 and €100, 16% of transactions were paid in cash in 2024
    For payments between €50 and €100, 16% of transactions were paid in cash in 2024
  • 38% Consumers who find it (very) difficult to make ends meet paid 38% of their purchases in cash in 2024
    Consumers who find it (very) difficult to make ends meet paid 38% of their purchases in cash in 2024
  • 11% In 2024, only 11% of payments at vending machines were made in cash
    In 2024, only 11% of payments at vending machines were made in cash

Latest news

  • DNB presents ‘Payments Strategy’ until 2028

    • News
    • Availability and disruptions
    Published on:
    The pillars underpinning DNB’s strategy are greater European autonomy and stronger resilience in payment transactions, and promoting innovation in the payments market.

A list of articles

See all the news

Frequently asked questions

  • What is the maximum amount I can pay in cash?

    From January 1, 2026, the maximum amount that can be paid in cash between a merchant and a consumer is €3,000. This is a legal requirement to prevent money laundering and tax evasion. Different rules apply between private individuals. You may pay each other more than €3,000 in cash. However, for private transactions above €10,000, both parties are required to report this to the Dutch Tax Administration. It is not permitted to circumvent the limit by splitting a payment into several parts, even between private individuals.

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Let's shape the future of payments together

Join the network of payment service providers working together to create a secure, reliable, accessible, and efficient payment ecosystem in the Netherlands.

  • Access to up-to-date knowledge and developments in payments
  • Influence on policy and standards in the Netherlands and Europe
  • Representing the sector to stakeholders
  • Part of the Dutch payment ecosystem