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Over 95% of Dutch debit card payments is ‘tap & go’

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In 2025 more than 95% of all debit card payments at points-of-sale was ‘tap & go’, with a contactless physical card, smartphone or smartwatch. This is evident from nation wide debit card statistics that the Dutch Payments Association has resumed publishing periodically starting this year.

Klant houdt een smartphone tegen een betaalterminal terwijl een medewerker het pinapparaat vasthoudt, tijdens een contactloze mobiele betaling.

In total, Dutch cardholders made 5.83 billion payments using their debit cards, smartphones, or smartwatches at Dutch points-of-sale over the past year, totaling €150 billion. The number of payments was 1.2% higher than a year earlier, while the total amount spent rose by 2.2%. Consumers make more than a third of all debit card payments at supermarkets. The hospitality sector accounts for one in seven debit card payments.

Cardholders are particularly likely to insert their card for large amounts, even though tap-to-pay with a physical card is possible for any amount, including very large sums of thousands of euros. For amounts over €50 however, the cardholder must always enter the correct PIN. When using a physical debit card, Dutch consumers spend an average of over €51, while tap-to-pay (with a card or mobile) averages nearly €25. At car dealerships, inserting a physical debit card results in an average transaction of nearly €702, whereas tap-to-pay averages €94.

Roughly half of all contactless debit card payments are made cardless, using a smartphone or smartwatch. The other half are made with a physical contactless debit card.

From now on, point-of-sale debit card figures will once again be published(opens in new window) on PIN.NL , every quarter.

Note: On March 26, we reported that nearly 6 out of 10 debit card payments in 2025 were cardless. Based on new additional data, that appears to be an overly high rough estimate. For the time being, we are therefore maintaining a share of cardless debit card payments at roughly half of all contactless debit card payments. In mid-May 2026, we expect to announce a an adjusted final percentage forcardless debit card payments in 2025.

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