Credit cards & ATM''s. For safety reasons, credit card use in the Netherlands increasingly requires a PIN-code. Credit card use in general is reasonable common, but not by far as much as in the US or some other European countries. The Dutch themselves often use (debit) bank cards, for which even small shops and market stands usually have a machine. In tourist destinations you will generally find credit cards widely accepted, as well as in larger shops and restaurants in the rest of the country, but ask in advance or check the icons that are usually displayed at the entrance. ATMs are readily available, mostly near shopping and nightlife areas. The very smallest ones excluded, even villages usually have one or more ATM's.