Editing Debit card (section)

===Netherlands===
In the [[Netherlands]] using [[EFTPOS]] is known as ''pinnen'' (pinning), a term derived from the use of a [[personal identification number]] (PIN). PINs are also used for [[Automated teller machine|ATM]] transactions, and the term is used interchangeably by many people, although it was introduced as a marketing brand for EFTPOS. The system was launched in 1987, and in 2010 there were 258,585 terminals throughout the country, including mobile terminals used by delivery services and on markets. All banks offer a debit card suitable for EFTPOS with current accounts.

PIN transactions are usually free to the customer, but the retailer is charged per-transaction and monthly fees. [[Equens]], an association with all major banks as its members, runs the system, and until August 2005 also charged for it. Responding to allegations of monopoly abuse, it has handed over contractual responsibilities to its member banks through who now offer competing contracts. The system is organised through a special banking association [[Currence]] set up specifically to coordinate access to payment systems in The Netherlands. Interpay, a legal predecessor of Equens, was fined €47,000,000 in 2004, but the fine was later dropped, and a related fine for banks was lowered from €17&nbsp;million to €14&nbsp;million. Per-transaction fees are between 5–10 cts, depending on volume.

Credit card use in the Netherlands is very low, and most credit cards cannot be used with EFTPOS, or charge very high fees to the customer. Debit cards can often, though not always, be used in the entire EU for EFTPOS. Most debit cards are Mastercard [[Maestro (debit card)|Maestro]] cards. Visa's [[V Pay]] cards are also accepted at most locations.
In 2011, spending money using debit cards rose to €83,000,000,000 whilst cash spending dropped to €51,000,000,000 and credit card spending grew to €5,000,000,000.<ref>{{cite web |url=http://www.dnb.nl/en/news/news-and-archive/dnbulletin-2012/dnb274102.jsp |title=DNBulletin: Cash payments further down - De Nederlandsche Bank |publisher=Dnb.nl |date=2012-06-12 |access-date=2012-12-30 |archive-date=2020-02-17 |archive-url=https://web.archive.org/web/20200217172033/https://www.dnb.nl/en/news/news-and-archive/dnbulletin-2012/dnb274102.jsp |url-status=dead }}</ref>

Electronic Purse Cards (called [[Chipknip]]) were introduced in 1996, but have never become very popular. The system was abolished at the end of 2014.