Payments and e-commerce in the Netherlands

Discover how the Dutch like to shop and pay online

Netherlands

General Information

  • Population 17.2 m
  • Population 15 + 14.5 m
  • Online population 16.4 m
  • Area 41,543 km2
  • Currency EUR
  • GDP 1,007.6 bn $US
  • GDP per capita 58,671 $US
  • Card-based payments
  • Cash-based payments
  • Bank transfer
  • Wallets
  • Other
[{"label":"Card-based payments","value":"13"},{"label":"Cash-based payments","value":"4"},{"label":"Bank transfer","value":"52"},{"label":"Wallets","value":"9"},{"label":"Other","value":"22"}]
Banked population
  • Netherlands 100%
  • Western & Central Europe 96%
  • World 67%
Credit card penetration
  • Netherlands 41%
  • Western & Central Europe 47%
  • World 19%
Internet penetration
  • Netherlands 96%
  • Western & Central Europe 92%
  • World 62%
Smartphone penetration
  • Netherlands 87%
  • Western & Central Europe 81%
  • World 70%

The Dutch economy is forecast to grow by 2.9% in 2022 and 1.1% in 2023 with an average inflation level of 9.2% before it returns to a more normal average level of 4.8% in 2023.

The Social commerce market in the Netherlands is forecast to grow by CAGR 26.7% in the period of 2022 – 2028, bringing the sector’s earnings to 12,877.2 m $US in 2028.

iDeal is the favourite way to pay in the Netherlands, followed by digital wallets and cards, with Mastercard, Visa and PayPal being the most commonly used.

The most popular e-commerce website in the Netherlands in July 2022 was bol.com with 89 m visits that month.

Future e-commerce trends (2021-2026)

B2C e-commerce ($US billion)
2022 39.1
2023 43.4
2024 47.7
2025 52.2
2026 56.9
E-commerce spending per capita ($US)
2022 2217
2023 2453
2024 2689
2025 2932
2026 3184
E-commerce spending as % of GDP
2022 3.8%
2023 4.1%
2024 4.3%
2025 4.6%
2026 4.8%

Netherlands

The E-Commerce Market

Top e-commerce segments

  1. Fashion: 31%
  2. Electronics & Media: 23%
  3. Toys, Hobby & DIY: 19%
  4. Furniture & Appliances: 15%
  5. Food & Personal Care: 12%

Cross-border e-commerce

  1. Cross-border proportion of total e-commerce – 15%
  2. Value of cross-border e-commerce – 5.1 bn $US
  3. Online shoppers who have shopped cross-border – 56%

Top 3 cross-border shopping origin markets

  1. China: 45%
  2. Belgium: 18%
  3. Germany: 17%
B2C e-commerce growth 20->21
  • Netherlands 15.0%
E-commerce % of total retail
  • Netherlands 17%
  • Western & Central Europe 17%
  • World 20%
E-commerce completed on a mobile device
  • Netherlands 37%
  • Western & Central Europe 44%
  • World 53%

The Credit Card Split

  • Visa
  • Mastercard
[{"label":"Visa","value":"5"},{"label":"Mastercard","value":"95"}]
  • E-commerce market size 34.8 bn $US
  • E-commerce spending per capita 1,982 $US
  • E-commerce spending as % of GDP 3.6%

The information on our Insights pages has been compiled by us in cooperation with Datamatics and Wright & Brown. The data shown is partially owned by us and partially owned by GlobalData. © 2021 by PPRO Financial Ltd. No data and information can be used for any further publication without the explicit approval of PPRO.

Netherlands

Local Payment Methods

BitPay Type Cryptocurrency Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Hyperwallet Type Bank transfer, Gift card, Prepaid voucher Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High iDEAL Type Bank transfer Regions Western & Central Europe Market relevance High Payconiq Type Wallet Regions Western & Central Europe PayPal Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High Paysafecard Type Prepaid voucher Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Paysafecash Type Cash Regions Eastern Europe & the CIS, North America + 1 Paysera Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High SEPA Direct Debit Type Bank transfer Regions Eastern Europe & the CIS, Western & Central Europe Market relevance High Skrill Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High Trustly Type Bank transfer Regions Eastern Europe & the CIS, North America + 1 Market relevance High TrustPay Type Bank transfer Regions Eastern Europe & the CIS, Western & Central Europe Allied Wallet Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High UnionPay SecurePay Type Local payment card Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High Apple Pay Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High Amazon Pay Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, North America + 1 Market relevance High DaoPay Type Carrier billing Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High Google Pay Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High Klarna Type Bank transfer, Buy Now, Pay Later, Instalments Regions Asia Pacific, North America, Western & Central Europe Market relevance High Mobiamo Type Carrier billing Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High Razer Gold Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High SEPA Credit Transfer Type Bank transfer Regions Eastern Europe & the CIS, Western & Central Europe Market relevance High SWIFT Type Bank transfer Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High AfterPay Type Buy Now, Pay Later Regions Western & Central Europe Market relevance Medium Secure Remote Commerce (SRC) Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance Medium SEPA Instant Credit Transfers (SCT Inst) Type Bank transfer Regions Eastern Europe & the CIS, Western & Central Europe Market relevance Medium Billink Type Buy Now, Pay Later Regions Western & Central Europe Boloro Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 G2A Pay Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance Medium Handelsbanken Type Bank transfer Regions Western & Central Europe Microsoft Pay Type Wallet Regions North America, Western & Central Europe NETELLER Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 SafetyPay Type Bank transfer, Cash Regions South & Central America, Western & Central Europe Market relevance High Sofort (Klarna) Type Bank transfer Regions Western & Central Europe Market relevance High Splitit Type Instalments Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3

Search for another region or country