Using a credit card in Holland

Visitors to Holland may have to get used to how the Dutch use their credit cards to pay for things. Americans and other nationals mainly use the magnetic swipe strip and sign a slip, but the Dutch often use a PIN when paying with their credit card.

Would you like to ‘pin’?

Making payments with a PIN means that you need to enter a personal code in order to pay with your credit card. Many banks in the US and other countries issue credit cards without a PIN, which may cause trouble for tourists in many shops, restaurants and hotels in Holland.

Check with your bank

If you plan to visit Holland, we recommend checking with your bank and asking whether you can use your credit card with a PIN. Many foreign banks (particularly American banks) offer this option by request only. If your bank does not allow for credit card payment with a PIN, don’t forget to make other arrangements before you leave home.