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Pinnen means paying by debit card, almost always by holding it near the reader rather than inserting it, and it is the default everywhere from the supermarket to the market stall. Cash still works in most places, but only around one in five payments at the till is cash.",[129,130,132],"h2",{"id":131},"why-your-card-from-home-might-not-work","Why your card from home might not work",[125,134,135],{},"Older Maestro debit cards are being phased out in favour of Debit Mastercard and Visa Debit, and a foreign Mastercard or Visa debit card that is not one of these can still fail at a Dutch terminal even though it worked at home. A Dutch debit card, once you have a Dutch bank account, makes daily life noticeably easier for exactly this reason. Credit cards are often not accepted at all in supermarkets, bakeries, markets and small shops, so do not rely on one as your only card for daily spending.",[129,137,139],{"id":138},"paying-online-ideal","Paying online: iDEAL",[125,141,142],{},"Most Dutch webshops use iDEAL, a bank-to-bank payment method that needs a Dutch bank account to work. There is no way around this for a purchase that only offers iDEAL as a payment option, so online shopping before you have a Dutch account is more limited than it is afterwards.",[129,144,146],{"id":145},"getting-a-tikkie-and-what-to-do-before-you-have-a-dutch-bank-account","Getting a Tikkie, and what to do before you have a Dutch bank account",[125,148,149],{},"A Tikkie is a payment-request link that Dutch people send, usually by WhatsApp, to split a bill or ask for money back, and it is normally paid through iDEAL. In practice this means you generally need a Dutch bank account to pay one directly. Until you have one, just say so and offer cash instead, or use an international app like Wise or PayPal if the other person has one too, and nobody will think it strange. Splitting a bill exactly, down to a few euros, is completely normal here and is not meanness. iDEAL itself is in the process of merging into a new European payment system called Wero, so exactly how you pay a Tikkie may change: check the current method in the Tikkie app or your own bank's app when the time comes.",[129,151,153],{"id":152},"once-your-bank-account-is-in-place","Once your bank account is in place",[125,155,156,157,162],{},"Once your BSN and a Dutch bank account exist (see ",[158,159,161],"a",{"href":160},"\u002Fen\u002Fguide\u002Fyour-first-two-weeks","your-first-two-weeks","), iDEAL and Tikkie both work the same way they do for anyone else here, and the workaround stage is over.",{"title":164,"searchDepth":165,"depth":165,"links":166},"",2,[167,168,169,170],{"id":131,"depth":165,"text":132},{"id":138,"depth":165,"text":139},{"id":145,"depth":165,"text":146},{"id":152,"depth":165,"text":153},"2026-08-21T00:00:00.000Z","Arriving with cash and a card from home, then finding the supermarket will not take either, is a common first-week surprise. What pinnen actually means, why iDEAL and Tikkie both usually need a Dutch bank account, and what to do about a Tikkie before you have one.","md",{},true,"\u002Fen\u002Fguide\u002Fpinnen-ideal-and-tikkie","2026-12-01T00:00:00.000Z",{"title":116,"description":172},[180,181,182,183,184],"https:\u002F\u002Fwww.betaalvereniging.nl\u002Ffeiten-en-cijfers\u002F","https:\u002F\u002Fbetaalverenigingnederland2025.jaarverslag.org\u002F04-ontwikkelingen-in-het-betalingsverkeer\u002F","https:\u002F\u002Fwww.consumentenbond.nl\u002Fbetaalrekening\u002Fmastercard-stopt-met-maestro-betaalpassen","https:\u002F\u002Fwww.abnamro.nl\u002Fen\u002Fpersonal\u002Finternet-and-mobile\u002Fapps\u002FTikkie\u002Findex.html","https:\u002F\u002Fwww.dutchnews.nl\u002F2025\u002F03\u002Ffrom-a-bank-account-to-the-tikkie-dutch-banking-essentials\u002F","first-week","en\u002Fguide\u002F13.pinnen-ideal-and-tikkie","volatile","C4s7ocNtGw4_p2arhJa70-bdMxC8f62lrIVShD75zmc",1787854364845]