Everything you need to know
Netherlands Currency
Travelling to or living in Netherlands? Managing your money shouldn’t be stressful. With TransferGo, you can send, spend, and exchange money affordably — so more of your money goes where it matters.
Use the GoCard in Netherlands
Open a UK bank account with us and get a GoCard for smarter spending in Netherlands. Pay in local shops, use ATMs globally, and enjoy contactless payments—all with zero hidden fees. Everything is managed from the app. Available only to UK and EU residents.
What is the currency in Netherlands?
The official currency of the Netherlands is the euro
The euro was introduced in 1999 as electronic money and in 2002 as notes and coins. Today, it’s one of the most stable and widely used currencies in the world. Before the euro, the Dutch guilder (NLG, ƒ) was used until 2002.
EUR, €
Banknotes
€5
€10
€20
€50
€100
€200
€500
Coins
1
2
5
10
20
50 cents
€1
€2
Popular Euro pairings
A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
Q
R
S
T
U
V
W
X
Z
How to spend money in Netherlands
The Netherlands is a low-cash society. Many shops, cafés, and transport services prefer debit cards (Maestro or V PAY) over credit cards. Some places even refuse cash altogether. While ATMs are available, locals tend to pay with card or mobile wallets (Apple Pay, Google Pay). Always keep a debit card handy—especially for supermarkets and public transport. Tip: Always choose to pay in local currency (EUR) to avoid extra conversion charges. With TransferGo, you can spend confidently and save on hidden bank fees.
Tips for exchanging money in Netherlands
Skip the airport kiosks: exchange rates there are usually poor, and fees are high.
Bank branches rarely exchange cash: most Dutch banks no longer handle this service, so you’ll need specialised currency exchange offices in city centres.
Go digital where possible: locals rely on debit and mobile payments, so carrying large amounts of cash isn’t necessary.
Credit cards are less reliable: Visa and Mastercard are accepted in many hotels and restaurants, but don’t expect to use them everywhere.
For long stays: opening a local euro account or using a multi-currency account will save you money and hassle.
With TransferGo, you don’t have to worry about bad exchange rates or hidden bank fees. You can send money directly to Dutch accounts, exchange currencies at transparent rates, and spend locally with your GoCard—making everyday life simpler and more affordable.
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Frequently asked questions
What is the official currency used in Netherlands?
The euro (EUR, €).
What is the official currency used in Netherlands?
Symbol: € | Code: EUR
Can I use my home currency in Netherlands?
No, shops and businesses only accept euros.
How can I use my GoCard in Netherlands?
Just activate it in the app and start spending—online or in stores.
Is it better to use cash or card when spending in Netherlands?
Card—especially debit—is the default payment method. Cash is rarely used and sometimes not accepted.
Are credit or debit cards widely accepted in Netherlands?
Debit cards are accepted almost everywhere. Credit cards (Visa, Mastercard) are accepted in bigger shops, hotels, and restaurants but not as widely as in other eurozone countries.
Are there ATMs available in Netherlands, and are there withdrawal limits?
Yes, ATMs are available but less common than before. Some ATMs charge fees. Withdrawal limits depend on your card provider.
Can I use a GoCard in Netherlands?
Yes! You can use your GoCard for spending, withdrawing, or managing your money—with fair rates and no hidden fees.