{"id":5116,"date":"2026-07-14T18:18:40","date_gmt":"2026-07-14T16:18:40","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?page_id=5116"},"modified":"2026-08-05T13:52:33","modified_gmt":"2026-08-05T11:52:33","slug":"facts-figures","status":"publish","type":"page","link":"https:\/\/www.betaalvereniging.nl\/en\/facts-figures\/","title":{"rendered":"Facts &amp; Figures 2025"},"content":{"rendered":"\n\t<div data-name=\"acf\/hero\" class=\"alignfull mt-0\">\n\t\t<div data-component=\"hero-image-square\" class=\"bg-ocean-50\">\n\t<div class=\"flex flex-col items-center py-8 md:py-12 gap-8 md:gap-16 lg:gap-24 ll-container md:flex-row\">\n\t\t<div class=\"w-full space-y-4 \">\n\t\t\t<h1 class=\"text-xl sm:text-2xl font-normal lg:text-3xl\">Facts &amp; Figures 2025<\/h1>\n\n\t\t\t\t\t\t\t<div class=\"space-y-10\">\n\t\t\t\t\t<div class=\"text-lg\">\n\t\t\t\t\t\t<p>Facts and figures from the past year about Dutch payments. The sources for these facts and figures are key participants in the Dutch payments system, such as Mastercard, Visa, Currence, EPI Company, Worldline, CCV, Geldmaat, and major banks. Other key sources include studies by the Dutch Payments Association itself, De Nederlandsche Bank, the Dutch Banking Association, and Thuiswinkel.org.<\/p>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"relative -translate-x-[5%] aspect-552\/480 w-[80%] max-w-[306px] md:max-w-[266px] lg:max-w-[294px]\">\n\t\t\t\t<div class=\"relative w-full h-full overflow-hidden image:absolute image:h-full image:w-full image:object-cover image:mask-hexagon\">\n\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"425\" height=\"315\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Contactloos-betalen-met-betaalpas-tvc.jpg\" class=\"attachment-large size-large\" alt=\"\" loading=\"eager\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Contactloos-betalen-met-betaalpas-tvc.jpg 425w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Contactloos-betalen-met-betaalpas-tvc-300x222.jpg 300w\" sizes=\"(max-width: 425px) 100vw, 425px\" \/>\n\t\t\t\t<\/div>\n\t\t\t\t<span class=\"absolute right-0 top-0 w-auto h-full translate-x-[20%] svg:h-full svg:w-auto\" aria-hidden=\"true\">\n\t\t\t\t\t<svg aria-hidden=\"true\" width=\"263\" height=\"480\" viewBox=\"0 0 263 480\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path opacity=\"0.8\" d=\"M108.671 0.337891C118.22 0.337891 130.762 7.5647 135.698 15.7659L259.419 224.775C264.194 232.895 264.194 247.105 259.419 255.225L135.698 464.234C130.843 472.435 118.22 479.662 108.671 479.662H0L141.928 240.122L0.404557 0.337891H108.59H108.671Z\" fill=\"url(#paint0_linear_6455_12637)\"\/>\n<defs>\n<linearGradient id=\"paint0_linear_6455_12637\" x1=\"57.5093\" y1=\"0.337898\" x2=\"361.898\" y2=\"138.726\" gradientUnits=\"userSpaceOnUse\">\n<stop stop-color=\"#CFFDC0\"\/>\n<stop offset=\"1\" stop-color=\"#6FB6E3\"\/>\n<\/linearGradient>\n<\/defs>\n<\/svg>\n\n\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\t<\/div>\n\n\n\n\t<div data-name=\"acf\/horizontal-charts\" id=01 class=\"alignfull last:!mb-0 \">\n\t\t<div class=\"ll-container\">\n\t\t\t<div class=\"@container space-y-8 md:space-y-16 lg:space-y-24\">\n\t\t\t\t<div class=\"md:max-w-3xl lg:max-w-[53rem] text-zoom-lg:max-w-none mx-auto\">\n\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"mb-4 text-xl md:text-2xl break-words\">Payments at points-of-sale<\/h2>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ll-wysiwyg\">\n\t\t\t\t\t\t\t<p>In the Netherlands, we primarily pay at points-of-sale (POS) using debit cards (bank cards). Here we present the figures for payments made by Dutch residents <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/card-payments\/\"><b><u>using debit cards, credit cards, smartphones, smartwatches<\/u><\/b><\/a>, and <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/cash-payments\/\"><b><u>cash<\/u><\/b><\/a> at Dutch POS. This includes payments made, for example, at municipal service counters, on buses and trams, and at vending machines.<\/p>\n<p><a href=\"https:\/\/www.betaalvereniging.nl\/en\/news\/young-and-elderly-in-particular-are-more-likely-to-use-debit-cards-at-the-till\/\"><b><u><em>Read the latest research on point-of-sale payments&#8230;<\/em><\/u><\/b><\/a><\/p>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t<ul class=\"grid grid-cols-1 @3xl:grid-cols-2 gap-8 mt-8 md:gap-16 xl:gap-24\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t<h3 class=\"text-lg md:text-xl text-center mb-8\">Number of transactions in 2024<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div data-react-app=\"donut-chart-trx\" data-props=\"{&quot;data&quot;:[{&quot;label&quot;:&quot;Debit card&quot;,&quot;trx&quot;:5770000000,&quot;money&quot;:147000000000},{&quot;label&quot;:&quot;Cash&quot;,&quot;trx&quot;:1380000000,&quot;money&quot;:29500000000},{&quot;label&quot;:&quot;Credit card&quot;,&quot;trx&quot;:33400000,&quot;money&quot;:2130000000}],&quot;background_color&quot;:false,&quot;ariaLabel&quot;:&quot;Cirkeldiagram: Number of transactions in 2024, Debit card, Cash, Credit card. Gebruik de tabel onder het diagram voor een toegankelijk tekstoverzicht.&quot;}\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t<h3 class=\"text-lg md:text-xl text-center mb-8\">Number of transactions in 2025<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div data-react-app=\"donut-chart-trx\" data-props=\"{&quot;data&quot;:[{&quot;label&quot;:&quot;Debit card&quot;,&quot;trx&quot;:5830000000,&quot;money&quot;:150000000000},{&quot;label&quot;:&quot;Cash&quot;,&quot;trx&quot;:1200000000,&quot;money&quot;:28000000000},{&quot;label&quot;:&quot;Credit card&quot;,&quot;trx&quot;:30000000,&quot;money&quot;:2000000000}],&quot;background_color&quot;:false,&quot;ariaLabel&quot;:&quot;Cirkeldiagram: Number of transactions in 2025, Debit card, Cash, Credit card. Gebruik de tabel onder het diagram voor een toegankelijk tekstoverzicht.&quot;}\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n\t<div data-name=\"acf\/horizontal-charts\" id=contactloos class=\"alignfull last:!mb-0 block-bg bg-ocean-50 py-12 md:py-16 xl:py-24\">\n\t\t<div class=\"ll-container\">\n\t\t\t<div class=\"@container space-y-8 md:space-y-16 lg:space-y-24\">\n\t\t\t\t<div class=\"md:max-w-3xl lg:max-w-[53rem] text-zoom-lg:max-w-none mx-auto\">\n\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"mb-4 text-xl md:text-2xl break-words\">Chip-and-pin vs. contactless<\/h2>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ll-wysiwyg\">\n\t\t\t\t\t\t\t<p>In 2025, 95% of all Dutch <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/card-payments\/\"><b><u>debit card payments at points-of-sale<\/u><\/b><\/a> (POS) were contactless, 1 percentage point more than a year earlier. The share of cardless and contactless payments, made with a smartphone or smartwatch, continues to grow steadily, but in 2025 it was not yet the most commonly used payment method at POS; that remained tap-to-pay with a physical card.<\/p>\n<p><a href=\"https:\/\/www.pin.nl\/actueel\/kerncijfers\/\" target=\"_blank\" rel=\"noopener\">More facts and figures about debit card payments (contactless or otherwise, in Dutch)&#8230;<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/p>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t<ul class=\"grid grid-cols-1 @3xl:grid-cols-2 gap-8 mt-8 md:gap-16 xl:gap-24\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t<h3 class=\"text-lg md:text-xl text-center mb-8\">Distribution in 2024<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div data-react-app=\"donut-chart-percentage\" data-props=\"{&quot;data&quot;:[{&quot;label&quot;:&quot;Contactless with card&quot;,&quot;percentage&quot;:51},{&quot;label&quot;:&quot;Contactless without card&quot;,&quot;percentage&quot;:43},{&quot;label&quot;:&quot;Chip-and-pin&quot;,&quot;percentage&quot;:6}],&quot;background_color&quot;:true,&quot;ariaLabel&quot;:&quot;Cirkeldiagram: Distribution in 2024, Contactless with card, Contactless without card, Chip-and-pin. Gebruik de tabel onder het diagram voor een toegankelijk tekstoverzicht.&quot;}\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t<h3 class=\"text-lg md:text-xl text-center mb-8\">Distribution in 2025<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div data-react-app=\"donut-chart-percentage\" data-props=\"{&quot;data&quot;:[{&quot;label&quot;:&quot;Contactless with card&quot;,&quot;percentage&quot;:48},{&quot;label&quot;:&quot;Contactless without card&quot;,&quot;percentage&quot;:47},{&quot;label&quot;:&quot;Chip-and-pin&quot;,&quot;percentage&quot;:5}],&quot;background_color&quot;:true,&quot;ariaLabel&quot;:&quot;Cirkeldiagram: Distribution in 2025, Contactless with card, Contactless without card, Chip-and-pin. Gebruik de tabel onder het diagram voor een toegankelijk tekstoverzicht.&quot;}\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n\t<div data-name=\"acf\/data-pairs\" class=\"align\" id=kaart-terugbetalingen>\n\t\t<div class=\"\">\n\t\t\t<div class=\"@container\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"mb-4 md:mb-8 text-xl md:text-2xl w-full @5xl:text-center\">Card refunds<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ll-wysiwyg mb-4 md:mb-8 @5xl:text-center\">\n\t\t\t\t\t\t<p>A card refund is an electronic refund at the point-of-sale using a customer\u2019s payment card. This allows a merchant to refund, for example, a deposit or a returned purchase.<\/p>\n<p>Card refunds include both Retourpinnen transactions and general card refunds. With <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/card-payments\/card-refunds\/\"><b><u>the Dutch Retourpinnen system<\/u><\/b><\/a>, a debit card must be held against the payment terminal in the store. With most card refunds, this is not necessary, and the required card details can be retrieved from the original card payment in the payment service provider\u2019s systems.<\/p>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<ul class=\"items-stretch grid grid-cols-1 gap-4 @2xl:gap-12 gap-y-8 @5xl:gap-y-12 @xl:grid-cols-2  \">\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container w-full\">\n\t\t\t\t\t\t\t<div class=\"flex w-full flex-col gap-4 h-full text-center justify-between @xl:flex-row @xl:gap-8\">\n\t<div class=\"w-[80%] max-w-[240px] @xl:max-w-[188px] @4xl:max-w-[344px] mx-auto flex items-center\">\n\t\t<div class=\"w-full relative aspect-square\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"text-xl bg-ocean-50 w-full h-full absolute top-1\/2 left-1\/2 -translate-1\/2 rounded-full flex flex-wrap gap-1 items-center justify-center text-center\"\n\t\t\t\t\t  aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span id=\"counter-6a734c02c40fe\" data-module=\"counter\" data-config=\"{&quot;endValue&quot;:31}\" class=\"max-w-[90%] break-words\">\n\t\t\t\t\t\t\t\t31\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"-ml-[0.2em] -mr-[0.2em] inline-block\">.<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span id=\"counter-6a734c02c410b\" data-module=\"counter\" data-config=\"{&quot;endValue&quot;:4}\" class=\"max-w-[90%] break-words\">\n\t\t\t\t\t\t\t\t4\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"inline-block break-words\">mn<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t\t<div class=\"flex flex-col gap-2 grow h-full justify-center @xl:items-start @4xl:text-md\">\n\t\t\t<div class=\"sr-only\">\n\t\t\t\t31.4mn \t\t\t\tNumber of card refunds in 2025 \t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"text-sm @sm:text-base\">\n\t\t\t\t\tNumber of card refunds in 2025\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container w-full\">\n\t\t\t\t\t\t\t<div class=\"flex w-full flex-col gap-4 h-full text-center justify-between @xl:flex-row @xl:gap-8\">\n\t<div class=\"w-[80%] max-w-[240px] @xl:max-w-[188px] @4xl:max-w-[344px] mx-auto flex items-center\">\n\t\t<div class=\"w-full relative aspect-square\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"text-xl bg-ocean-50 w-full h-full absolute top-1\/2 left-1\/2 -translate-1\/2 rounded-full flex flex-wrap gap-1 items-center justify-center text-center\"\n\t\t\t\t\t  aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"inline-block break-words\">\u20ac<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span id=\"counter-6a734c02c414b\" data-module=\"counter\" data-config=\"{&quot;endValue&quot;:1}\" class=\"max-w-[90%] break-words\">\n\t\t\t\t\t\t\t\t1\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"-ml-[0.2em] -mr-[0.2em] inline-block\">.<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span id=\"counter-6a734c02c4150\" data-module=\"counter\" data-config=\"{&quot;endValue&quot;:35}\" class=\"max-w-[90%] break-words\">\n\t\t\t\t\t\t\t\t35\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"inline-block break-words\">bn<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t\t<div class=\"flex flex-col gap-2 grow h-full justify-center @xl:items-start @4xl:text-md\">\n\t\t\t<div class=\"sr-only\">\n\t\t\t\t\u20ac1.35bn \t\t\t\tTotal amount of card refunds in 2025 \t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"text-sm @sm:text-base\">\n\t\t\t\t\tTotal amount of card refunds in 2025\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The average amount for a card refund in 2025 was \u20ac43.<\/p>\n\n\n\n\n\t<div data-name=\"acf\/chart-payment-by-cash\" id=Giraal class=\"alignfull last:!mb-0 block-bg bg-ocean-50 py-12 md:py-16 xl:py-24\">\n\t\t<div class=\"ll-container\">\n\t\t\t<div class=\"@container space-y-8 md:space-y-16 lg:space-y-24\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"mb-4 text-xl md:text-2xl break-words\">Account-to-account payments<\/h2>\n\t\t\t\t\n\t\t\t\t<ul class=\"grid grid-cols-1 @4xl:grid-cols-2 gap-8 mt-8 md:gap-16 xl:gap-24\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t<div class=\"ll-wysiwyg\">\n\t\t\t\t\t\t\t\t<p>The numbers and amounts for SEPA credit transfers and instant payments refer only to transactions between different Dutch banks. Transactions within the same bank are not included.<\/p>\n<p><em><a href=\"https:\/\/www.dnb.nl\/en\/statistics\/data-search\/#\/details\/payment-statistics-quarter\/dataset\/78918cd2-9043-4418-b4fe-44bee68f2fac\" target=\"_blank\" rel=\"noopener\">More figures on online banking transactions by DNB<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>\u2026<\/em><\/p>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\n\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t\t<div data-react-app=\"chart-payment-by-cash\" data-props=\"{&quot;data&quot;:[{&quot;year&quot;:&quot;2022&quot;,&quot;payment_methods&quot;:[{&quot;type&quot;:{&quot;value&quot;:&quot;sepa_overboeking&quot;,&quot;label&quot;:&quot;SCT transfer&quot;},&quot;trx&quot;:&quot;1.46e9&quot;,&quot;money&quot;:&quot;2.42e12&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;instant_payments&quot;,&quot;label&quot;:&quot;SCT Inst transfer&quot;},&quot;trx&quot;:&quot;456000000&quot;,&quot;money&quot;:&quot;557e9&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;sepa_incasso&quot;,&quot;label&quot;:&quot;SDD direct debit&quot;},&quot;trx&quot;:&quot;1.88e9&quot;,&quot;money&quot;:&quot;323e9&quot;}]},{&quot;year&quot;:&quot;2023&quot;,&quot;payment_methods&quot;:[{&quot;type&quot;:{&quot;value&quot;:&quot;sepa_overboeking&quot;,&quot;label&quot;:&quot;SCT transfer&quot;},&quot;trx&quot;:&quot;1.54e9&quot;,&quot;money&quot;:&quot;2.47e12&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;instant_payments&quot;,&quot;label&quot;:&quot;SCT Inst transfer&quot;},&quot;trx&quot;:&quot;504000000&quot;,&quot;money&quot;:&quot;618e9&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;sepa_incasso&quot;,&quot;label&quot;:&quot;SDD direct debit&quot;},&quot;trx&quot;:&quot;1.98e9&quot;,&quot;money&quot;:&quot;346e9&quot;}]},{&quot;year&quot;:&quot;2024&quot;,&quot;payment_methods&quot;:[{&quot;type&quot;:{&quot;value&quot;:&quot;sepa_overboeking&quot;,&quot;label&quot;:&quot;SCT transfer&quot;},&quot;trx&quot;:&quot;1.63e9&quot;,&quot;money&quot;:&quot;2.49e12&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;instant_payments&quot;,&quot;label&quot;:&quot;SCT Inst transfer&quot;},&quot;trx&quot;:&quot;534000000&quot;,&quot;money&quot;:&quot;669e9&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;sepa_incasso&quot;,&quot;label&quot;:&quot;SDD direct debit&quot;},&quot;trx&quot;:&quot;2.01e9&quot;,&quot;money&quot;:&quot;358e9&quot;}]},{&quot;year&quot;:&quot;2025&quot;,&quot;payment_methods&quot;:[{&quot;type&quot;:{&quot;value&quot;:&quot;sepa_overboeking&quot;,&quot;label&quot;:&quot;SCT transfer&quot;},&quot;trx&quot;:&quot;1.70e9&quot;,&quot;money&quot;:&quot;2.44e12&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;instant_payments&quot;,&quot;label&quot;:&quot;SCT Inst transfer&quot;},&quot;trx&quot;:&quot;565000000&quot;,&quot;money&quot;:&quot;789e9&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;sepa_incasso&quot;,&quot;label&quot;:&quot;SDD direct debit&quot;},&quot;trx&quot;:&quot;2.05e9&quot;,&quot;money&quot;:&quot;367e9&quot;}]}],&quot;ariaLabel&quot;:&quot;Staafdiagram: Account-to-account payments, SCT transfer, SCT Inst transfer, SDD direct debit, 2022\\u20132025. Gebruik de tabel onder het diagram voor een toegankelijk tekstoverzicht.&quot;,&quot;yAxisLabel&quot;:&quot;Number of transactions&quot;,&quot;yAxisMultiplier&quot;:&quot;&quot;,&quot;background_color&quot;:true}\"><\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n\n\t<div data-name=\"acf\/chart-direct-debit-mandates\" id=Incassomachtigen class=\"alignfull last:!mb-0 \">\n\t\t<div class=\"ll-container\">\n\t\t\t<div class=\"@container space-y-8 md:space-y-16 lg:space-y-24\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"mb-4 text-xl md:text-2xl break-words\">E-Mandates<\/h2>\n\t\t\t\t\n\t\t\t\t<ul class=\"grid grid-cols-1 @4xl:grid-cols-2 gap-8 mt-8 md:gap-16 xl:gap-24\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t<div class=\"ll-wysiwyg\">\n\t\t\t\t\t\t\t\t<p>In 2015, Dutch banks launched a collective digital mandate service for direct debits (e-mandate) via online banking. To make monthly payments via direct debit for example, the payer only needs to issue an e-mandate once. As a result, these figures for the number of issued e-mandates are relatively modest compared to the figures for individual direct debit payments.<\/p>\n<p><a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/digital-mandate-service\/\" rel=\"noopener\"><em>More about the collective digital mandate service\u2026<\/em><\/a><\/p>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\n\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t\t<div data-react-app=\"chart-direct-debit-mandates\" data-props=\"{&quot;data&quot;:[{&quot;year&quot;:&quot;2022&quot;,&quot;mandates&quot;:&quot;1050&quot;},{&quot;year&quot;:&quot;2023&quot;,&quot;mandates&quot;:&quot;1150&quot;},{&quot;year&quot;:&quot;2024&quot;,&quot;mandates&quot;:&quot;1130&quot;},{&quot;year&quot;:&quot;2025&quot;,&quot;mandates&quot;:&quot;1990&quot;}],&quot;title&quot;:&quot;E-Mandates&quot;,&quot;yAxisLabel&quot;:&quot;Digital mandates&quot;,&quot;legendLabel&quot;:&quot;Number of mandates&quot;,&quot;yAxisMultiplier&quot;:&quot;1000&quot;,&quot;background_color&quot;:false}\"><\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n\n\t<div data-name=\"acf\/chart-transfer-service\" id=Overstapservice class=\"alignfull last:!mb-0 block-bg bg-ocean-50 py-12 md:py-16 xl:py-24\">\n\t\t<div class=\"ll-container\">\n\t\t\t<div class=\"@container space-y-8 md:space-y-16 lg:space-y-24\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"mb-4 text-xl md:text-2xl break-words\">Bank Switching Service<\/h2>\n\t\t\t\t\n\t\t\t\t<ul class=\"grid grid-cols-1 @4xl:grid-cols-2 gap-8 mt-8 md:gap-16 xl:gap-24\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t<div class=\"ll-wysiwyg\">\n\t\t\t\t\t\t\t\t<p>These figures show the total number of users of the collective Bank Switching Service per year, for both business and personal payment accounts at all Dutch consumer banks.<\/p>\n<p><a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/special-accounts-and-services\/switching-service\/\"><em>Read more about the Bank Switching Service&#8230;<\/em><\/a><\/p>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\n\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div data-react-app=\"chart-transfer-service\" data-props=\"{&quot;data&quot;:[{&quot;label&quot;:&quot;2022&quot;,&quot;trx&quot;:45000},{&quot;label&quot;:&quot;2023&quot;,&quot;trx&quot;:44000},{&quot;label&quot;:&quot;2024&quot;,&quot;trx&quot;:48000},{&quot;label&quot;:&quot;2025&quot;,&quot;trx&quot;:42000}],&quot;ariaLabel&quot;:&quot;Staafdiagram: Bank Switching Service, Number of users, 2022, 2023, 2024, 2025. Gebruik de tabel onder het diagram voor een toegankelijk tekstoverzicht.&quot;,&quot;yAxisLabel&quot;:&quot;Number of users&quot;,&quot;legendLabel&quot;:&quot;Number of users&quot;,&quot;yAxisMultiplier&quot;:&quot;&quot;,&quot;background_color&quot;:true}\"><\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n\n\t<div data-name=\"acf\/chart-payment-methods\" id=Online class=\"alignfull last:!mb-0 \">\n\t\t<div class=\"ll-container\">\n\t\t\t<div class=\"@container space-y-8 md:space-y-16 lg:space-y-24\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"mb-4 text-xl md:text-2xl break-words\">Online payments<\/h2>\n\t\t\t\t\n\t\t\t\t<ul class=\"grid grid-cols-1 @4xl:grid-cols-2 gap-8 mt-8 md:gap-16 xl:gap-24\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t<div class=\"ll-wysiwyg\">\n\t\t\t\t\t\t\t\t<p>In recent years, reliable figures have only been available for iDEAL credit cards and (upgraded) debit cards. iDEAL and payment cards cover roughly 85% of the Dutch e-commerce payment market. There are other online payment methods not included in this chart due to a lack of reliable data.<\/p>\n<p>These numbers and amounts cover all types of online payments made by Dutch residents to domestic and foreign online stores, businesses, and organizations. This also includes online payments to government agencies, for example, and iDEAL payments for mobile requests-to-pay from family and friends.<\/p>\n<p><a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/\" rel=\"noopener\"><em>Meer about online payments\u2026<\/em><\/a><\/p>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\n\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t\t<div data-react-app=\"chart-payment-methods\" data-props=\"{&quot;data&quot;:[{&quot;year&quot;:&quot;2022&quot;,&quot;payment_methods&quot;:[{&quot;type&quot;:{&quot;value&quot;:&quot;ideal&quot;,&quot;label&quot;:&quot;iDEAL&quot;},&quot;trx&quot;:&quot;1.23e9&quot;,&quot;money&quot;:&quot;107e9&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;creditcard&quot;,&quot;label&quot;:&quot;Credit card&quot;},&quot;trx&quot;:&quot;176000000&quot;,&quot;money&quot;:&quot;14.2e9&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;debitcard&quot;,&quot;label&quot;:&quot;Debit card&quot;},&quot;trx&quot;:&quot;23200000&quot;,&quot;money&quot;:&quot;825000000&quot;}]},{&quot;year&quot;:&quot;2023&quot;,&quot;payment_methods&quot;:[{&quot;type&quot;:{&quot;value&quot;:&quot;ideal&quot;,&quot;label&quot;:&quot;iDEAL&quot;},&quot;trx&quot;:&quot;1.36e9&quot;,&quot;money&quot;:&quot;124e9&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;creditcard&quot;,&quot;label&quot;:&quot;Credit card&quot;},&quot;trx&quot;:&quot;200000000&quot;,&quot;money&quot;:&quot;16.7e9&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;debitcard&quot;,&quot;label&quot;:&quot;Debit card&quot;},&quot;trx&quot;:&quot;39100000&quot;,&quot;money&quot;:&quot;1.89e09&quot;}]},{&quot;year&quot;:&quot;2024&quot;,&quot;payment_methods&quot;:[{&quot;type&quot;:{&quot;value&quot;:&quot;ideal&quot;,&quot;label&quot;:&quot;iDEAL&quot;},&quot;trx&quot;:&quot;1.47e9&quot;,&quot;money&quot;:&quot;141e9&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;creditcard&quot;,&quot;label&quot;:&quot;Credit card&quot;},&quot;trx&quot;:&quot;230000000&quot;,&quot;money&quot;:&quot;19.4e9&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;debitcard&quot;,&quot;label&quot;:&quot;Debit card&quot;},&quot;trx&quot;:&quot;55200000&quot;,&quot;money&quot;:&quot;3.15e09&quot;}]},{&quot;year&quot;:&quot;2025&quot;,&quot;payment_methods&quot;:[{&quot;type&quot;:{&quot;value&quot;:&quot;ideal&quot;,&quot;label&quot;:&quot;iDEAL&quot;},&quot;trx&quot;:&quot;1.56e9&quot;,&quot;money&quot;:&quot;157e9&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;creditcard&quot;,&quot;label&quot;:&quot;Credit card&quot;},&quot;trx&quot;:&quot;258000000&quot;,&quot;money&quot;:&quot;21.6e9&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;debitcard&quot;,&quot;label&quot;:&quot;Debit card&quot;},&quot;trx&quot;:&quot;112000000&quot;,&quot;money&quot;:&quot;6.72e9&quot;}]}],&quot;ariaLabel&quot;:&quot;Staafdiagram: Online payments, iDEAL, Credit card, Debit card, 2022\\u20132025. Gebruik de tabel onder het diagram voor een toegankelijk tekstoverzicht.&quot;,&quot;yAxisLabel&quot;:&quot;Number of payments&quot;,&quot;yAxisMultiplier&quot;:&quot;&quot;,&quot;background_color&quot;:false}\"><\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n\t<div data-name=\"acf\/horizontal-charts\" id=Onderling class=\"alignfull last:!mb-0 block-bg bg-ocean-50 py-12 md:py-16 xl:py-24\">\n\t\t<div class=\"ll-container\">\n\t\t\t<div class=\"@container space-y-8 md:space-y-16 lg:space-y-24\">\n\t\t\t\t<div class=\"md:max-w-3xl lg:max-w-[53rem] text-zoom-lg:max-w-none mx-auto\">\n\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"mb-4 text-xl md:text-2xl break-words\">Peer-to-peer payments (P2P)<\/h2>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ll-wysiwyg\">\n\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/p2p-payments\/\"><b><u>Consumers pay each other using cash, bank transfers, and mobile requests-to-pay<\/u><\/b><\/a>, as well as various gift cards. Due to the convenience of requests-to-pay via mobile apps, the number of electronic peer-to-peer payments is rising sharply, at the expense of cash peer-to-peer payments.<\/p>\n<p><a href=\"https:\/\/www.betaalvereniging.nl\/en\/news\/elderly-increasingly-debit-card\/\" rel=\"noopener\"><em>Read the latest research on peer-to-peer payments\u2026<\/em><\/a><\/p>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t<ul class=\"grid grid-cols-1 @3xl:grid-cols-2 gap-8 mt-8 md:gap-16 xl:gap-24\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t<h3 class=\"text-lg md:text-xl text-center mb-8\">Number of P2P payments in 2024<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div data-react-app=\"donut-chart-trx\" data-props=\"{&quot;data&quot;:[{&quot;label&quot;:&quot;Electronic&quot;,&quot;trx&quot;:392000000,&quot;money&quot;:20400000000},{&quot;label&quot;:&quot;Cash&quot;,&quot;trx&quot;:221000000,&quot;money&quot;:8760000000},{&quot;label&quot;:&quot;Other&quot;,&quot;trx&quot;:1230000,&quot;money&quot;:29200000}],&quot;background_color&quot;:true,&quot;ariaLabel&quot;:&quot;Cirkeldiagram: Number of P2P payments in 2024, Electronic, Cash, Other. Gebruik de tabel onder het diagram voor een toegankelijk tekstoverzicht.&quot;}\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t<h3 class=\"text-lg md:text-xl text-center mb-8\">Number of P2P payments in 2025<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div data-react-app=\"donut-chart-trx\" data-props=\"{&quot;data&quot;:[{&quot;label&quot;:&quot;Electronic&quot;,&quot;trx&quot;:403000000,&quot;money&quot;:20700000000},{&quot;label&quot;:&quot;Cash&quot;,&quot;trx&quot;:203000000,&quot;money&quot;:7280000000},{&quot;label&quot;:&quot;Other&quot;,&quot;trx&quot;:2000000,&quot;money&quot;:60000000}],&quot;background_color&quot;:true,&quot;ariaLabel&quot;:&quot;Cirkeldiagram: Number of P2P payments in 2025, Electronic, Cash, Other. Gebruik de tabel onder het diagram voor een toegankelijk tekstoverzicht.&quot;}\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n\t<div data-name=\"acf\/horizontal-charts\" id=E-Commerce\u00adbetalingen class=\"alignfull last:!mb-0 \">\n\t\t<div class=\"ll-container\">\n\t\t\t<div class=\"@container space-y-8 md:space-y-16 lg:space-y-24\">\n\t\t\t\t<div class=\"md:max-w-3xl lg:max-w-[53rem] text-zoom-lg:max-w-none mx-auto\">\n\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"mb-4 text-xl md:text-2xl break-words\">E-Commerce payments by device<\/h2>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ll-wysiwyg\">\n\t\t\t\t\t\t\t<p>These percentages are taken from the Thuiswinkel Markt Monitor. They relate to (online) e-commerce payments made by Dutch consumers at online stores and businesses in the Netherlands and abroad. Online payments outside of e-commerce, such as mobile requests-to-pay or traffic fines, are excluded.<\/p>\n<p><a href=\"https:\/\/www.betaalvereniging.nl\/en\/news\/more-online-product-purchases-less-spending-on-travel-and-events-in-2025\/\" rel=\"noopener\"><em>Read more about e-commerce payments in 2025\u2026<\/em><\/a><\/p>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t<ul class=\"grid grid-cols-1 @3xl:grid-cols-2 gap-8 mt-8 md:gap-16 xl:gap-24\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t<h3 class=\"text-lg md:text-xl text-center mb-8\">Share by device in 2024<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div data-react-app=\"donut-chart-percentage\" data-props=\"{&quot;data&quot;:[{&quot;label&quot;:&quot;Laptop\\\/Desktop&quot;,&quot;percentage&quot;:49},{&quot;label&quot;:&quot;Smartphone&quot;,&quot;percentage&quot;:36},{&quot;label&quot;:&quot;Tablet&quot;,&quot;percentage&quot;:12},{&quot;label&quot;:&quot;Other&quot;,&quot;percentage&quot;:3}],&quot;background_color&quot;:false,&quot;ariaLabel&quot;:&quot;Cirkeldiagram: Share by device in 2024, Laptop\\\/Desktop, Smartphone, Tablet, Other. Gebruik de tabel onder het diagram voor een toegankelijk tekstoverzicht.&quot;}\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t<h3 class=\"text-lg md:text-xl text-center mb-8\">Share by device in 2025<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div data-react-app=\"donut-chart-percentage\" data-props=\"{&quot;data&quot;:[{&quot;label&quot;:&quot;Laptop\\\/Desktop&quot;,&quot;percentage&quot;:45},{&quot;label&quot;:&quot;Smartphone&quot;,&quot;percentage&quot;:41},{&quot;label&quot;:&quot;Tablet&quot;,&quot;percentage&quot;:13},{&quot;label&quot;:&quot;Other&quot;,&quot;percentage&quot;:1}],&quot;background_color&quot;:false,&quot;ariaLabel&quot;:&quot;Cirkeldiagram: Share by device in 2025, Laptop\\\/Desktop, Smartphone, Tablet, Other. Gebruik de tabel onder het diagram voor een toegankelijk tekstoverzicht.&quot;}\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n\n\t<div data-name=\"acf\/chart-payment-instruments\" id=Betaalinstrumenten class=\"alignfull last:!mb-0 block-bg bg-ocean-50 py-12 md:py-16 xl:py-24\">\n\t\t<div class=\"ll-container\">\n\t\t\t<div class=\"@container space-y-8 md:space-y-16 lg:space-y-24\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"mb-4 text-xl md:text-2xl break-words\">Payment instruments<\/h2>\n\t\t\t\t\n\t\t\t\t<ul class=\"grid grid-cols-1 @4xl:grid-cols-2 gap-8 mt-8 md:gap-16 xl:gap-24\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t<div class=\"ll-wysiwyg\">\n\t\t\t\t\t\t\t\t<p>Virtually every adult in the Netherlands has a payments account with a debit card. The sharp increase in the number of payments accounts in 2025 may be due to the offering of so-called &#8216;virtual&#8217; IBANs, particularly by new online banks. Customers of these banks can use virtual IBANs for various spending purposes, among other things. The figures in this chart are from DNB and include business accounts and business payment cards.<\/p>\n<p><a href=\"https:\/\/www.dnb.nl\/en\/statistics\/data-search\/#\/details\/payment-statistics-half-year\/dataset\/85e5e0a4-7bf7-472b-b4d8-5ea1725034a2\" target=\"_blank\" rel=\"noopener\"><em>More figures from DNB on (among other things) payment instruments\u2026<\/em><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/p>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\n\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t\t<div data-react-app=\"chart-payment-instruments\" data-props=\"{&quot;data&quot;:[{&quot;year&quot;:&quot;2022&quot;,&quot;instruments&quot;:[{&quot;type&quot;:{&quot;value&quot;:&quot;accounts&quot;,&quot;label&quot;:&quot;Payments account&quot;},&quot;trx&quot;:&quot;20400&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;devit_cards&quot;,&quot;label&quot;:&quot;Debit cards&quot;},&quot;trx&quot;:&quot;31500&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;creditcards&quot;,&quot;label&quot;:&quot;Credit cards&quot;},&quot;trx&quot;:&quot;7350&quot;}]},{&quot;year&quot;:&quot;2023&quot;,&quot;instruments&quot;:[{&quot;type&quot;:{&quot;value&quot;:&quot;accounts&quot;,&quot;label&quot;:&quot;Payments account&quot;},&quot;trx&quot;:&quot;21400&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;devit_cards&quot;,&quot;label&quot;:&quot;Debit cards&quot;},&quot;trx&quot;:&quot;32700&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;creditcards&quot;,&quot;label&quot;:&quot;Credit cards&quot;},&quot;trx&quot;:&quot;7470&quot;}]},{&quot;year&quot;:&quot;2024&quot;,&quot;instruments&quot;:[{&quot;type&quot;:{&quot;value&quot;:&quot;accounts&quot;,&quot;label&quot;:&quot;Payments account&quot;},&quot;trx&quot;:&quot;22500&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;devit_cards&quot;,&quot;label&quot;:&quot;Debit cards&quot;},&quot;trx&quot;:&quot;31400&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;creditcards&quot;,&quot;label&quot;:&quot;Credit cards&quot;},&quot;trx&quot;:&quot;7570&quot;}]},{&quot;year&quot;:&quot;2025&quot;,&quot;instruments&quot;:[{&quot;type&quot;:{&quot;value&quot;:&quot;accounts&quot;,&quot;label&quot;:&quot;Payments account&quot;},&quot;trx&quot;:&quot;24000&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;devit_cards&quot;,&quot;label&quot;:&quot;Debit cards&quot;},&quot;trx&quot;:&quot;33500&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;creditcards&quot;,&quot;label&quot;:&quot;Credit cards&quot;},&quot;trx&quot;:&quot;7870&quot;}]}],&quot;ariaLabel&quot;:&quot;Staafdiagram: Payment instruments, Payments account, Debit cards, Credit cards, 2022\\u20132025. Gebruik de tabel onder het diagram voor een toegankelijk tekstoverzicht.&quot;,&quot;yAxisLabel&quot;:&quot;Number of instruments&quot;,&quot;yAxisMultiplier&quot;:&quot;1000&quot;,&quot;background_color&quot;:true}\"><\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n\n\t<div data-name=\"acf\/chart-offices\" id=Kantoren class=\"alignfull last:!mb-0 \">\n\t\t<div class=\"ll-container\">\n\t\t\t<div class=\"@container space-y-8 md:space-y-16 lg:space-y-24\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"mb-4 text-xl md:text-2xl break-words\">ATMs and bank branches<\/h2>\n\t\t\t\t\n\t\t\t\t<ul class=\"grid grid-cols-1 @4xl:grid-cols-2 gap-8 mt-8 md:gap-16 xl:gap-24\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t<div class=\"ll-wysiwyg\">\n\t\t\t\t\t\t\t\t<p><b><strong>Note: Figures on the number of bank branches in 2025 will follow in mid-2026<\/strong><\/b><\/p>\n<p>The number of physical bank branches continues to decline steadily, partly because fewer customers are visiting them. Banking services that used to require a visit to a bank branch can now be handled anytime, anywhere via online and mobile banking. The number of bank branches includes bank service points in neighborhood stores and so-called &#8216;bank shops&#8217;.<\/p>\n<p>More than 99.5 percent of all Dutch residents live within 5 km of an ATM. At the store checkout, roughly one in five payments is made with cash, and at 95% of all retail locations, you can pay with cash, unchanged for many years. The number of ATMs refers to machines for withdrawing cash, both from Geldmaat and other (non-bank) operators.<\/p>\n<p><strong><em><a href=\"https:\/\/www.dnb.nl\/en\/statistics\/data-search\/#\/details\/payment-statistics-quarter\/dataset\/78918cd2-9043-4418-b4fe-44bee68f2fac\/resource\/08b245be-30ae-45d6-9fb2-0fff33569747\" target=\"_blank\" rel=\"noopener\">All DNB figures on cash withdrawal and deposit machines\u2026<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/em><\/strong><\/p>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\n\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t\t<div data-react-app=\"chart-offices\" data-props=\"{&quot;data&quot;:[{&quot;year&quot;:&quot;2022&quot;,&quot;offices&quot;:[{&quot;type&quot;:{&quot;value&quot;:&quot;atms&quot;,&quot;label&quot;:&quot;Withdrawal ATMs&quot;},&quot;amount&quot;:&quot;5120&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;offices&quot;,&quot;label&quot;:&quot;Bank branches&quot;},&quot;amount&quot;:&quot;1300&quot;}]},{&quot;year&quot;:&quot;2023&quot;,&quot;offices&quot;:[{&quot;type&quot;:{&quot;value&quot;:&quot;atms&quot;,&quot;label&quot;:&quot;Withdrawal ATMs&quot;},&quot;amount&quot;:&quot;5070&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;offices&quot;,&quot;label&quot;:&quot;Bank branches&quot;},&quot;amount&quot;:&quot;1120&quot;}]},{&quot;year&quot;:&quot;2024&quot;,&quot;offices&quot;:[{&quot;type&quot;:{&quot;value&quot;:&quot;atms&quot;,&quot;label&quot;:&quot;Withdrawal ATMs&quot;},&quot;amount&quot;:&quot;5010&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;offices&quot;,&quot;label&quot;:&quot;Bank branches&quot;},&quot;amount&quot;:&quot;980&quot;}]},{&quot;year&quot;:&quot;2025&quot;,&quot;offices&quot;:[{&quot;type&quot;:{&quot;value&quot;:&quot;atms&quot;,&quot;label&quot;:&quot;Withdrawal ATMs&quot;},&quot;amount&quot;:&quot;5060&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;offices&quot;,&quot;label&quot;:&quot;Bank branches&quot;},&quot;amount&quot;:&quot;?&quot;}]}],&quot;ariaLabel&quot;:&quot;Staafdiagram: ATMs and bank branches, Withdrawal ATMs, Bank branches, 2022\\u20132025. Gebruik de tabel onder het diagram voor een toegankelijk tekstoverzicht.&quot;,&quot;yAxisLabel&quot;:&quot;Number&quot;,&quot;yAxisMultiplier&quot;:&quot;&quot;,&quot;background_color&quot;:false}\"><\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n\n\t<div data-name=\"acf\/chart-withdrawals\" id=Geldopnamen class=\"alignfull last:!mb-0 block-bg bg-ocean-50 py-12 md:py-16 xl:py-24\">\n\t\t<div class=\"ll-container\">\n\t\t\t<div class=\"@container space-y-8 md:space-y-16 lg:space-y-24\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"mb-4 text-xl md:text-2xl break-words\">Cash withdrawals<\/h2>\n\t\t\t\t\n\t\t\t\t<ul class=\"grid grid-cols-1 @4xl:grid-cols-2 gap-8 mt-8 md:gap-16 xl:gap-24\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t<div class=\"ll-wysiwyg\">\n\t\t\t\t\t\t\t\t<p><b><strong>Note: Figures on cash withdrawals in 2025 will follow in July 2026<\/strong><\/b><\/p>\n<p>The availability, reachability, and accessibility of cash remain high in the Netherlands. More than 99.5 percent of all Dutch residents live within 5 km of a cash dispensing point. Roughly one in five point-of-sale payments is still made with cash. You can pay with cash at 96% of all point-of-sale locations.<\/p>\n<p>The number of cash withdrawals includes withdrawals at all ATMs in the Netherlands, both at Geldmaat ATMs and at other (non-bank) ATMs.<\/p>\n<p><strong><em><a href=\"https:\/\/www.dnb.nl\/en\/statistics\/data-search\/#\/details\/payment-statistics-half-year\/dataset\/85e5e0a4-7bf7-472b-b4d8-5ea1725034a2\" target=\"_blank\" rel=\"noopener\">More figures from DNB on (among other things) cash withdrawals\u2026<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/em><\/strong><\/p>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\n\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t\t<div data-react-app=\"chart-withdrawals\" data-props=\"{&quot;data&quot;:[{&quot;year&quot;:&quot;2022&quot;,&quot;types&quot;:[{&quot;type&quot;:{&quot;value&quot;:&quot;gea&quot;,&quot;label&quot;:&quot;ATM withdrawals&quot;},&quot;trx&quot;:&quot;157000000&quot;,&quot;money&quot;:&quot;31.0e9&quot;}]},{&quot;year&quot;:&quot;2023&quot;,&quot;types&quot;:[{&quot;type&quot;:{&quot;value&quot;:&quot;gea&quot;,&quot;label&quot;:&quot;ATM withdrawals&quot;},&quot;trx&quot;:&quot;157000000&quot;,&quot;money&quot;:&quot;31.3e9&quot;}]},{&quot;year&quot;:&quot;2024&quot;,&quot;types&quot;:[{&quot;type&quot;:{&quot;value&quot;:&quot;gea&quot;,&quot;label&quot;:&quot;ATM withdrawals&quot;},&quot;trx&quot;:&quot;156000000&quot;,&quot;money&quot;:&quot;32.5e9&quot;}]},{&quot;year&quot;:&quot;2025&quot;,&quot;types&quot;:[{&quot;type&quot;:{&quot;value&quot;:&quot;gea&quot;,&quot;label&quot;:&quot;ATM withdrawals&quot;},&quot;trx&quot;:&quot;150000000&quot;,&quot;money&quot;:&quot;33.0e9&quot;}]}],&quot;ariaLabel&quot;:&quot;Staafdiagram: Cash withdrawals, ATM withdrawals, 2022\\u20132025. Gebruik de tabel onder het diagram voor een toegankelijk tekstoverzicht.&quot;,&quot;yAxisLabel&quot;:&quot;Number of withdrawals&quot;,&quot;yAxisMultiplier&quot;:&quot;&quot;,&quot;background_color&quot;:true}\"><\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n\n\t<div data-name=\"acf\/chart-fraud-figures\" id=Fraudecijfers class=\"alignfull last:!mb-0 \">\n\t\t<div class=\"ll-container\">\n\t\t\t<div class=\"@container space-y-8 md:space-y-16 lg:space-y-24\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"mb-4 text-xl md:text-2xl break-words\">Payment fraud<\/h2>\n\t\t\t\t\n\t\t\t\t<ul class=\"grid grid-cols-1 @4xl:grid-cols-2 gap-8 mt-8 md:gap-16 xl:gap-24\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t<div class=\"ll-wysiwyg\">\n\t\t\t\t\t\t\t\t<p>This line graph shows the trend in banking payments fraud over the past five years, for bank spoofing fraud and for all fraud resulting from phishing and the use of stolen debit and credit cards (all categorized as \u201cphishing\u201d in the graph). Data on banking fraud is collected and published by the Dutch Banking Association (NVB).<\/p>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\n\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t\t<div data-react-app=\"chart-fraud-figures\" data-props=\"{&quot;data&quot;:[{&quot;year&quot;:&quot;2022&quot;,&quot;fraud_types&quot;:[{&quot;type&quot;:{&quot;value&quot;:&quot;helpdesk&quot;,&quot;label&quot;:&quot;Bank spoofing fraud&quot;},&quot;money&quot;:&quot;50900000&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;phishing&quot;,&quot;label&quot;:&quot;Phishing &amp; Card fraud&quot;},&quot;money&quot;:&quot;9930000&quot;}]},{&quot;year&quot;:&quot;2023&quot;,&quot;fraud_types&quot;:[{&quot;type&quot;:{&quot;value&quot;:&quot;helpdesk&quot;,&quot;label&quot;:&quot;Bank spoofing fraud&quot;},&quot;money&quot;:&quot;28200000&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;phishing&quot;,&quot;label&quot;:&quot;Phishing &amp; Card fraud&quot;},&quot;money&quot;:&quot;7170000&quot;}]},{&quot;year&quot;:&quot;2024&quot;,&quot;fraud_types&quot;:[{&quot;type&quot;:{&quot;value&quot;:&quot;helpdesk&quot;,&quot;label&quot;:&quot;Bank spoofing fraud&quot;},&quot;money&quot;:&quot;22800000&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;phishing&quot;,&quot;label&quot;:&quot;Phishing &amp; Card fraud&quot;},&quot;money&quot;:&quot;6520000&quot;}]},{&quot;year&quot;:&quot;2025&quot;,&quot;fraud_types&quot;:[{&quot;type&quot;:{&quot;value&quot;:&quot;helpdesk&quot;,&quot;label&quot;:&quot;Bank spoofing fraud&quot;},&quot;money&quot;:&quot;25800000&quot;},{&quot;type&quot;:{&quot;value&quot;:&quot;phishing&quot;,&quot;label&quot;:&quot;Phishing &amp; Card fraud&quot;},&quot;money&quot;:&quot;9080000&quot;}]}],&quot;title&quot;:&quot;Payment fraud&quot;,&quot;chartType&quot;:&quot;line&quot;,&quot;yAxisLabel&quot;:&quot;Fraud in euros&quot;,&quot;yAxisMultiplier&quot;:&quot;1000000&quot;,&quot;background_color&quot;:false}\"><\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n\t<div data-name=\"acf\/payment-chains\" id=Beschikbaarheid class=\"alignfull last:!mb-0 block-bg bg-ocean-50 py-12 md:py-16 xl:py-24\">\n\t\t<div class=\"ll-container\">\n\t\t\t<div class=\"@container space-y-8 md:space-y-16 lg:space-y-24\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"mb-4 text-xl md:text-2xl break-words\">Availability of payment infrastructure<\/h2>\n\t\t\t\t\n\t\t\t\t<div class=\"grid grid-cols-1 @4xl:grid-cols-2 gap-8 mt-8 md:gap-16 xl:gap-24\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ll-wysiwyg\">\n\t\t\t\t\t\t\t<p>The nation wide payments infrastructure for card payments has been highly reliable for many years, with an availability of nearly 99.9%. Starting in 2025, the card payments availability will no longer be reported.<\/p>\n<p>There are no availability standards for mobile and online banking, but there is a legal requirement that malfunctions must be resolved within two hours. The Dutch Payments Association <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/availability-and-disruptions\/is-my-bank-available-online\/\"><b><u>publishes quarterly availability figures<\/u><\/b><\/a> for mobile and online banking on its website.<\/p>\n<p>Currence tracks the <a href=\"https:\/\/availability.ideal.nl\/\" target=\"_blank\" rel=\"noopener\"><b><u>availability of iDEAL|Wero<\/u><\/b><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> itself, including both monthly averages and real-time availability on an hourly basis, going back up to one week.<\/p>\n<p><a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/availability-and-disruptions\/\"><em>Read more about disruptions and the availability of payments infrastructure&#8230;<\/em><\/a><\/p>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"overflow-x-auto focus:ring-1\">\n\t\t\t\t\t\t<table class=\"min-w-full overflow-hidden text-base-500 table-fixed\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<thead class=\"bg-ocean-100\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<tr class=\"even:bg-ocean-50\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" class=\"px-3 first:pl-4 first:pr-3 py-3.5 text-left text-md font-bold border border-ocean-300\">Availibility<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" class=\"px-3 first:pl-4 first:pr-3 py-3.5 text-left text-md font-bold border border-ocean-300\">2021<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" class=\"px-3 first:pl-4 first:pr-3 py-3.5 text-left text-md font-bold border border-ocean-300\">2022<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" class=\"px-3 first:pl-4 first:pr-3 py-3.5 text-left text-md font-bold border border-ocean-300\">2023<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" class=\"px-3 first:pl-4 first:pr-3 py-3.5 text-left text-md font-bold border border-ocean-300\">2024<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" class=\"px-3 first:pl-4 first:pr-3 py-3.5 text-left text-md font-bold border border-ocean-300\">2025<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/thead>\n\t\t\t\t\t\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<tr class=\"even:bg-ocean-50\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\t\t\t\tDebit card payments\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\t\t\t\t99.89%\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\t\t\t\t99.89%\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\t\t\t\t99.89%\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\t\t\t\t99.89%\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\t\t\t\t&#8211;\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<tr 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