{"id":1846,"date":"2019-01-31T21:35:00","date_gmt":"2019-01-31T20:35:00","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?p=1846"},"modified":"2026-08-07T00:12:03","modified_gmt":"2026-08-06T22:12:03","slug":"dutch-payments-2018-smartphone-banking-contactless-paper-fades","status":"publish","type":"post","link":"https:\/\/www.betaalvereniging.nl\/en\/news\/dutch-payments-2018-smartphone-banking-contactless-paper-fades\/","title":{"rendered":"Dutch payments in 2018: smartphone banking and contactless take over as paper fades"},"content":{"rendered":"\n<p class=\"has-intro-font-size wp-block-paragraph\">In 2018, Dutch consumers used mobile banking apps more often than internet banking for the first time, and made more contactless payments than payments by inserting a debit card. Fewer than 2 per cent of all credit transfers are still made on paper.<\/p>\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"2000\" height=\"1333\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Bankapp.png\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Man in a coffee shop laughs while arranging something via a mobile app with his smartphone and cup of coffee by the window.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Bankapp.png 2000w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Bankapp-300x200.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Bankapp-1024x682.png 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Bankapp-768x512.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Bankapp-1536x1024.png 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\" \/><\/figure>\n\n\n<p class=\"wp-block-paragraph\">In the third quarter of 2018, the use of mobile banking apps on smartphones and tablets surpassed internet banking on laptops and desktop computers for the first time, reaching a share of 52 per cent. An estimated 1.03 billion single electronic credit transfers were made through mobile and internet banking last year, totalling approximately \u20ac1.95 trillion. A year earlier, Dutch consumers made 952 million electronic credit transfers. Mobile banking apps accounted for 43 per cent in the final quarter of 2017.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"421\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Bankapp-infographic-768x421-1.png\" alt=\"Infographic on the rise of banking apps: they are used as often as internet banking for single credit transfers, their use rose by 28 per cent and only 1.9 per cent of transfers are initiated in writing or by telephone.\" class=\"wp-image-1848\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Bankapp-infographic-768x421-1.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Bankapp-infographic-768x421-1-300x164.png 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">A total of 4.37 billion debit and credit card payments were made last year, 12.9 per cent more than in 2017, with a total value of \u20ac115 billion. By the end of the year, contactless payments made using debit cards, credit cards, smartphones and wearables\u2014jewellery and watches with a built-in contactless payment chip\u2014accounted for 56 per cent. A year earlier, their share was just under half, at 49 per cent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cThe number of debit card payments rose by almost 13 per cent in 2018 compared with the previous year. The Netherlands has not seen such strong growth in debit card payments since 2001,\u201d says Piet Mallekoote, director of the Dutch Payments Association. \u201cThe security and increasing convenience of contactless payments using a growing range of payment instruments, such as smartphones, rings and watches, will certainly have contributed.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"hardly-any-credit-transfers-on-paper\">Hardly any credit transfers on paper<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Only an estimated 18.8 million paper credit transfer orders were processed in 2018, representing just under 1.8 per cent of all single credit transfers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/factsheet.betaalvereniging.nl\/en\/facts-and-figures-on-the-dutch-payment-system-in-2018\/\"><em>View our English factsheet with more facts and figures\u2026<\/em> <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\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"856\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic_betalingsverkeer_2018_pag_1-610x856-1.png\" alt=\"Page one of the 2018 Dutch payments factsheet, with charts on the rise of banking apps, mobile person-to-person payments, average payment amounts and use of the Bank Switching Service.\" class=\"wp-image-1850\" style=\"width:171px;height:auto\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic_betalingsverkeer_2018_pag_1-610x856-1.png 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic_betalingsverkeer_2018_pag_1-610x856-1-214x300.png 214w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>These facts and figures are based on data from credit card issuer ICS (<a href=\"https:\/\/www.icscards.nl\/\">International Card Services <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>), <a href=\"https:\/\/www.afterpay.nl\/\">AfterPay <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>, transaction processor <a href=\"https:\/\/equensworldline.com\/\">equensWorldline <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>, <a href=\"https:\/\/www.currence.nl\/\">Currence <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>, the Dutch Payments Association and <a href=\"https:\/\/www.dnb.nl\/en\/\">De Nederlandsche Bank (DNB) <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><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mobile banking apps and contactless payments overtook internet banking and chip-and-PIN in 2018, while fewer than 2 per cent of credit transfers were made on paper.<\/p>\n","protected":false},"author":7,"featured_media":1847,"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":[30,16],"class_list":["post-1846","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","category-press-release","category-publication","btv_subject_tax-account-to-account-payments","btv_subject_tax-card-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Betalingsverkeer 2018: Opkomst van Mobiel Bankieren - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"Ontdek het betalingsverkeer in 2018: mobiele apps en contactloze 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