Whether you’re paying your rent, topping up your OV-chipkaart, or treating yourself to some cheeky online shopping, choosing between online payment methods is something you’ll often do.
The Netherlands offers a wide variety of online payment options, and finding the one that suits you best comes down to your preferences. Factors like convenience, speed, and security play a big role in making your payment experience seamless.
Why does it matter, you ask? Because a good payment system ensures that your transactions are secure, quick, and stress-free.
Here’s a closer look at the options you have when making online payments in the Netherlands.
Bank transfers: trusted and secure
If you’re all about security and reliability, bank transfers might be your go-to.
Unlike other methods, bank transfers connect directly to your bank account, providing a straightforward and trusted way to send and receive money.
READ MORE | The best banks in the Netherlands for internationals in 2025
Bank transfers are particularly favoured for larger transactions or when a secure connection is a top priority.
Different countries have developed their own systems to make bank transfers faster and more accessible for local consumers — so let’s see how the Netherlands handles this.
iDEAL: the Dutch favourite
iDEAL is beloved by Dutch consumers for its simplicity and security. Whether you’re shopping online or paying your energy bill, it’s fast and reliable.
But it doesn’t stop there. iDEAL is also widely used in niche areas like paying for traffic fines. You can even gamble at a so-called iDEAL casino, a.k.a. a casino that accepts iDEAL as a valid payment method.
READ MORE | What is iDEAL? Your guide to the Dutch online payment system
iDEAL is easy to use and works by connecting directly to your Dutch bank account. At checkout, you select iDEAL, pick your bank, and log into your online banking.
The payment details are pre-filled, so you just approve the transaction using your bank’s usual method (like a mobile app or authentication code), and ta-da, the payment is processed instantly. ⚡️
Wise: for international transfers
If you’re an expat, frequently send money abroad, or shop on international websites, Wise (formerly TransferWise) might be your best bet.
Wise is popular for its low fees and real-time exchange rates. It’s an ideal choice for anyone who needs to send or receive money in different currencies — perfect for international students, expats, or freelancers working with clients abroad.
READ MORE | Money transfers in the Netherlands: the easy (and cheap!) guide
How it works is simple: You create an account, enter the amount to send, and add the recipient’s bank details. Wise shows the exact cost upfront, then you pay via bank transfer, card, or another method.
Once your payment is received, Wise converts and transfers the money to the recipient’s account, often within minutes or hours.
Credit and debit cards: quick and familiar
Credit and debit cards are widely accepted for online transactions in the Netherlands and provide a familiar way to pay.
READ MORE | The best credit cards for expats in the Netherlands
If you’re shopping internationally or subscribing to services like Netflix, cards from Visa or Mastercard make it easy.
Cards also usually offer fraud protection, giving you peace of mind when shopping online. But keep an eye on fees — some cards charge extra for international transactions, which can add up if you’re a frequent spender.
Digital wallets: for speed and flexibility
If convenience is your top priority, digital wallets like PayPal, Apple Pay, and Google Pay are hard to beat. They let you check out with just a few taps on your device, making them perfect for mobile shopping.
Digital wallets also keep your card details private, adding an extra layer of security.
While they’re versatile and widely accepted on international platforms, they’re not as dominant in the Netherlands, where iDEAL remains the go-to choice.
Which payment method is right for you?
Ultimately, the best payment method depends on your needs and habits. If you’re sticking to Dutch websites or paying local bills, iDEAL offers unmatched reliability.
For international transfers, Wise can save you money. And for quick, on-the-go payments, digital wallets might be the way to go.
By choosing a method that prioritises speed, security, and ease of use, you can take the stress out of online payments and focus on what really matters — whether that’s booking your next trip, paying your rent, or treating yourself to a little retail therapy.
What’s your preferred method for online payments? Share your thoughts in the comments!