Less frequent use of the credit card
This trend reflects the fact that Dutch consumers’ cross-border payment behaviour is increasingly similar to their domestic payment behaviour. The effects of the establishment of the Single European Payment Area (SEPA) are becoming clearer, given that consumers more and more use similar means for their domestic and cross-border payments. The Dutch frequently use their debit cards, also when abroad. In addition, they are ever more satisfied about debit card use in terms of acceptance and safety, with only 4% expressing their dissatisfaction. The trend away from credit cards and towards debit cards in 2012 was most pronounced in consumers’ payments at fuelling stations and for accommodation, public transport and toll. Contrary to past developments, no clear trend in the use of cash emerged. In a number of payment situations cash yielded ground to debit cards. In other situations the use of cash rose, mainly at the expense of credit cards. There is clear evidence, however, of declining credit card use, and of its replacement by either cash or the debit card.