{"id":1166,"date":"2022-04-12T16:51:00","date_gmt":"2022-04-12T14:51:00","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?p=1166"},"modified":"2026-08-06T20:46:38","modified_gmt":"2026-08-06T18:46:38","slug":"preference-contactless-payments-continues-to-grow","status":"publish","type":"post","link":"https:\/\/www.betaalvereniging.nl\/en\/news\/preference-contactless-payments-continues-to-grow\/","title":{"rendered":"Preference for contactless payments continues to grow"},"content":{"rendered":"\n<p class=\"has-intro-font-size wp-block-paragraph\">Dutch consumers increasingly prefer contactless payments, both by debit card and through other methods such as mobile phones, smartwatches and other wearables. Cash use declined slightly in 2021: one in five point-of-sale payments was made in cash.<\/p>\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"2306\" height=\"779\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aan-de-kassa-2022-betaalmiddelen-geslacht-leeftijd-inkomen.png\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Stacked bar graph shows the relative use of cash, traditional pay with debit cards, contactless pay with debit cards and credit card by gender, age and income. The graph shows that contactless pay with debit cards is the most used payment method in all groups. Young people and higher incomes pay with debit cards mainly use contactless, while cash payments increase at higher ages and lower incomes. Traditional pay with debit cards is more common among the elderly, and credit card use remains limited in all groups. The visualization provides insight into differences in payment behavior between demographic groups.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aan-de-kassa-2022-betaalmiddelen-geslacht-leeftijd-inkomen.png 2306w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aan-de-kassa-2022-betaalmiddelen-geslacht-leeftijd-inkomen-300x101.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aan-de-kassa-2022-betaalmiddelen-geslacht-leeftijd-inkomen-1024x346.png 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aan-de-kassa-2022-betaalmiddelen-geslacht-leeftijd-inkomen-768x259.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aan-de-kassa-2022-betaalmiddelen-geslacht-leeftijd-inkomen-1536x519.png 1536w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aan-de-kassa-2022-betaalmiddelen-geslacht-leeftijd-inkomen-2048x692.png 2048w\" sizes=\"auto, (max-width: 2306px) 100vw, 2306px\" \/><\/figure>\n\n\n<p class=\"wp-block-paragraph\">This share is considerably higher among people on lower incomes. They paid cash for almost one in three purchases at the point of sale. These are the findings of joint research by the Dutch Payments Association and De Nederlandsche Bank.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-aantal-kassabetalingen-redelijk-stabiel-in-2021\">Number of point-of-sale payments remained fairly stable in 2021<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In 2021, consumers in the Netherlands made slightly fewer payments at the point of sale than in 2020. This decline was partly due to the longer lockdowns imposed to curb the COVID-19 pandemic in 2021. Consumers made nearly 1.2 billion cash purchases that year, compared with 1.3 billion in 2020, a fall of almost 11%. The number of debit card payments was 4.5 billion in 2021, virtually the same as in 2020. As a result, the share of all point-of-sale payments settled in cash fell from an average of 22% in 2020 to 20% in 2021. Before the pandemic, 30% of purchases at the point of sale were still paid for in cash.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The total value of debit card payments rose from \u20ac116.7 billion in 2020 to \u20ac122.7 billion in 2021. The value of cash payments at the point of sale declined slightly, from \u20ac21.4 billion in 2020 to \u20ac20.1 billion in 2021. The average purchase amount has risen sharply in recent years. In 2019, before the COVID-19 pandemic, it was \u20ac21.64. In 2021, Dutch consumers spent an average of \u20ac25.55 per point-of-sale payment, an increase of more than 18%. Consumers therefore made fewer purchases but spent more on average per purchase. This rise can partly be explained by inflation: consumer prices were 2.7% higher on average in 2021 than in 2020.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"832\" height=\"333\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aan-de-kassa-2022.png\" alt=\"Two charts showing the number and value of point-of-sale payments by payment method in 2020 and 2021.\" class=\"wp-image-1159\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aan-de-kassa-2022.png 832w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aan-de-kassa-2022-300x120.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aan-de-kassa-2022-768x307.png 768w\" sizes=\"auto, (max-width: 832px) 100vw, 832px\" \/><figcaption class=\"wp-element-caption\">Figure 1a: number of payments. Figure 1b: value of payments (in \u20ac billions).<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-verschillende-vormen-van-contactloos-betalen-zijn-steeds-populairder\">Different forms of contactless payment are becoming increasingly popular<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">More Dutch consumers prefer to pay contactlessly, both by debit card and by mobile phone. At the beginning of 2020, half of Dutch consumers preferred contactless payments: 40% favoured contactless debit card payments and 9% mobile contactless payments. By the end of 2021, preference for contactless payments was 14 percentage points higher: 49% preferred to pay contactlessly by debit card and 14% by mobile phone. The growing popularity of these two methods came at the expense of traditional debit card payments, where the card must be inserted into the payment terminal.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"285\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aan-de-kassa-voorkeuren-betaalmethodes-2048x569-1-1024x285.png\" alt=\"Chart showing Dutch consumers\u2019 preferred payment methods from early 2020 to late 2021.\" class=\"wp-image-1169\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aan-de-kassa-voorkeuren-betaalmethodes-2048x569-1-1024x285.png 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aan-de-kassa-voorkeuren-betaalmethodes-2048x569-1-300x83.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aan-de-kassa-voorkeuren-betaalmethodes-2048x569-1-768x213.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aan-de-kassa-voorkeuren-betaalmethodes-2048x569-1-1536x427.png 1536w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aan-de-kassa-voorkeuren-betaalmethodes-2048x569-1.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Figure 2: preferences for different payment methods since early 2020.<br><em>Average preference for each month shown<\/em>.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-contant-geld-wordt-nog-veel-gebruikt-door-mensen-met-een-lager-inkomen\">Cash is still widely used by people on lower incomes<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dutch consumers on relatively low incomes use cash most often. They are more likely than others to say that cash helps them manage their spending better than debit card payments. Dutch consumers aged 75 and over used to be the group that used cash most frequently, but cash use within this group halved over two years to 28% of purchases. People in the highest income group use cash least often, for just over one in ten payments.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"943\" height=\"496\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aande-kassa-2021-NED-inkomen-geslacht-leeftijd.png\" alt=\"Stacked bar chart showing payment method use by gender, age and income in 2021.\" class=\"wp-image-1170\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aande-kassa-2021-NED-inkomen-geslacht-leeftijd.png 943w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aande-kassa-2021-NED-inkomen-geslacht-leeftijd-300x158.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aande-kassa-2021-NED-inkomen-geslacht-leeftijd-768x404.png 768w\" sizes=\"auto, (max-width: 943px) 100vw, 943px\" \/><figcaption class=\"wp-element-caption\">Figure 6: relative use of payment methods by gender, age and income.<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">For all results of the joint research by DNB and the Dutch Payments Association into the use of cash and electronic payment methods for point-of-sale and person-to-person payments in the Netherlands in 2021, download the factsheet <a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Factsheet-Betalen-aan-de-Kassa-2021.pdf\"><em>Payments at the point of sale, 2021<\/em><\/a>.<\/p>\n\n\n\n\t<div data-name=\"acf\/buttons\" class=\"mt-4 lg:mt-6\" >\n\t\t\n\t\t<ul class=\"flex flex-wrap gap-2 md:gap-6\">\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"outline\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] bg-transparent rounded-full border-2 border-base-500 text-base-500 underline-fade-in hocus:bg-base-500 hocus:border-base-500 hocus:text-white\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.betaalvereniging.nl&#x2F;en&#x2F;wp-content&#x2F;uploads&#x2F;sites&#x2F;4&#x2F;2025&#x2F;09&#x2F;Factsheet-Betalen-aan-de-Kassa-2021.pdf\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tFactsheet: Payments at the point of sale 2021\n\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\"transition-transform group-hover:translate-x-2 group-focus-visible:translate-x-2 flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M21.3105 10.9395L21.4141 11.0537C21.8942 11.6429 21.8596 12.5115 21.3105 13.0605L13.5 20.8711L11.3789 18.75L16.6289 13.5H2.25V10.5H16.6289L11.3789 5.25L13.5 3.12891L21.3105 10.9395Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Dutch consumers increasingly prefer contactless debit card and mobile payments, while cash accounted for one in five point-of-sale payments in 2021.<\/p>\n","protected":false},"author":7,"featured_media":1167,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"editor_notices":[],"footnotes":""},"categories":[20,22,23],"btv_subject_tax":[16,8,7],"class_list":["post-1166","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","category-press-release","category-publication","btv_subject_tax-card-payments","btv_subject_tax-cash-payments","btv_subject_tax-p2p-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Betalen aan de kassa 2021: Impact van Covid-19 - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"Betalen aan de kassa 2021 laat een afname in contante betalingen zien. Ontdek hoe de lockdowns deze trend be\u00efnvloedden.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/news\/preference-contactless-payments-continues-to-grow\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Preference for contactless payments continues to grow\" \/>\n<meta property=\"og:description\" content=\"Betalen aan de kassa 2021 laat een afname in contante betalingen zien. Ontdek hoe de lockdowns deze trend be\u00efnvloedden.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/news\/preference-contactless-payments-continues-to-grow\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:published_time\" content=\"2022-04-12T14:51:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-06T18:46:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aan-de-kassa-2022-betaalmiddelen-geslacht-leeftijd-inkomen.png\" \/>\n\t<meta property=\"og:image:width\" content=\"2306\" \/>\n\t<meta property=\"og:image:height\" content=\"779\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/preference-contactless-payments-continues-to-grow\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/preference-contactless-payments-continues-to-grow\\\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Preference for contactless payments continues to grow\",\"datePublished\":\"2022-04-12T14:51:00+00:00\",\"dateModified\":\"2026-08-06T18:46:38+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/preference-contactless-payments-continues-to-grow\\\/\"},\"wordCount\":538,\"image\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/preference-contactless-payments-continues-to-grow\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/wp-content\\\/uploads\\\/sites\\\/4\\\/2025\\\/09\\\/Betalen-aan-de-kassa-2022-betaalmiddelen-geslacht-leeftijd-inkomen.png\",\"articleSection\":[\"News\",\"Press release\",\"Publication\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/preference-contactless-payments-continues-to-grow\\\/\",\"url\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/preference-contactless-payments-continues-to-grow\\\/\",\"name\":\"Betalen aan de kassa 2021: Impact van Covid-19 - Dutch Payments Association\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/preference-contactless-payments-continues-to-grow\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/preference-contactless-payments-continues-to-grow\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/wp-content\\\/uploads\\\/sites\\\/4\\\/2025\\\/09\\\/Betalen-aan-de-kassa-2022-betaalmiddelen-geslacht-leeftijd-inkomen.png\",\"datePublished\":\"2022-04-12T14:51:00+00:00\",\"dateModified\":\"2026-08-06T18:46:38+00:00\",\"author\":{\"@id\":\"\"},\"description\":\"Betalen aan de kassa 2021 laat een afname in contante betalingen zien. 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Ontdek hoe de lockdowns deze trend be\u00efnvloedden.","breadcrumb":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/preference-contactless-payments-continues-to-grow\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.betaalvereniging.nl\/en\/news\/preference-contactless-payments-continues-to-grow\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/preference-contactless-payments-continues-to-grow\/#primaryimage","url":"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aan-de-kassa-2022-betaalmiddelen-geslacht-leeftijd-inkomen.png","contentUrl":"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aan-de-kassa-2022-betaalmiddelen-geslacht-leeftijd-inkomen.png","width":2306,"height":779,"caption":"Stacked bar graph shows the relative use of cash, traditional pay with debit cards, contactless pay with debit cards and credit card by gender, age and income. The graph shows that contactless pay with debit cards is the most used payment method in all groups. Young people and higher incomes pay with debit cards mainly use contactless, while cash payments increase at higher ages and lower incomes. Traditional pay with debit cards is more common among the elderly, and credit card use remains limited in all groups. 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