{"id":964,"date":"2022-12-20T17:44:00","date_gmt":"2022-12-20T16:44:00","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?p=964"},"modified":"2026-08-06T16:26:44","modified_gmt":"2026-08-06T14:26:44","slug":"finland-netherlands-lead-card-payments-eurozone","status":"publish","type":"post","link":"https:\/\/www.betaalvereniging.nl\/en\/news\/finland-netherlands-lead-card-payments-eurozone\/","title":{"rendered":"Finland and the Netherlands lead in card payments in the eurozone"},"content":{"rendered":"\n<p class=\"has-intro-font-size wp-block-paragraph\">People in Finland and the Netherlands make debit card payments at the point of sale more often than those in other euro countries, using a payment card, smartphone or smartwatch. Finns pay this way slightly more often than people in the Netherlands. This is shown by a new <a href=\"https:\/\/www.ecb.europa.eu\/stats\/ecb_surveys\/space\/shared\/pdf\/ecb.spacereport202212~783ffdf46e.en.pdf\">European Central Bank study <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> (ECB) of consumer payment behaviour in the eurozone.<\/p>\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1303\" height=\"868\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/terugvalopties.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Composite image showing cash payment with 20 euro note on the left and POS terminal with the sign &#039;Pay contactless here too&#039; on the right.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/terugvalopties.jpg 1303w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/terugvalopties-300x200.jpg 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/terugvalopties-1024x682.jpg 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/terugvalopties-768x512.jpg 768w\" sizes=\"auto, (max-width: 1303px) 100vw, 1303px\" \/><\/figure>\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.ecb.europa.eu\/stats\/ecb_surveys\/space\/shared\/pdf\/ecb.spacereport202212~783ffdf46e.en.pdf\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"364\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/ECB-SPACE-2022-768x364-1.png\" alt=\"Chart from the ECB SPACE 2022 study comparing cash and card payment use across eurozone countries.\" class=\"wp-image-965\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/ECB-SPACE-2022-768x364-1.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/ECB-SPACE-2022-768x364-1-300x142.png 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/> <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><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">In Finland and the Netherlands, roughly one in five point-of-sale payments is still made in cash. Across the eurozone as a whole, the average is as high as three in five payments. Cash is used more often than average in the large euro countries Germany, Italy and Spain.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The ECB obtains the Dutch data partly from the annual <a href=\"https:\/\/www.dnb.nl\/media\/zu2pby4d\/web_136099_fs_betalen_kassa_v4.pdf\"><em>Point-of-Sale Payments<\/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> report by the Dutch Payments Association and De Nederlandsche Bank (DNB).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The number of debit card payments in the Netherlands rose sharply again this year, following two years of coronavirus restrictions in physical shops. In 2022, <a href=\"https:\/\/www.betaalvereniging.nl\/en\/news\/five-billionth-debit-card-payment-within-one-year\/\">more than 5 billion debit card payments<\/a> were made within a single calendar year for the first time. Around 30% of all Dutch debit card payments are now made using a smartphone or smartwatch.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Finland and the Netherlands have the eurozone\u2019s highest shares of debit card payments at the point of sale, according to an ECB study.<\/p>\n","protected":false},"author":7,"featured_media":840,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"editor_notices":[],"footnotes":""},"categories":[20],"btv_subject_tax":[16,13,29],"class_list":["post-964","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","btv_subject_tax-card-payments","btv_subject_tax-european-legislation","btv_subject_tax-market-infrastructure"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Aantal pinbetalingen in Nederland gestegen na corona - 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