Credit Card Usage Statistics in Netherlands (2026)

27.8% of adults in the Netherlands used a credit card in 2021, World Bank Global Findex data show. Down from 30% in 2017 to 27.8% in 2021 (−2.2 percentage points). Netherlands ranks #19 of 46 economies in Europe & Central Asia on this measure, and #32 of 142 globally.

Key Statistics

Latest value (2021): 27.8% (2021); Credit Card Usage in the Netherlands as of 2021, the most recent observation in World Bank Global Findex data.
Change since 2017: −2.2 pp (2021); Down from 30% in 2017 to 27.8% in 2021 (−2.2 percentage points).
Earliest value in this dataset (2014): 26% (2014); Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 26% in 2014 to 27.8% in 2021.
Peak value (2017): 30% (2017); Highest value in the available series; the 2021 value is 27.8%.
Rank in Europe & Central Asia: #19 of 46 (2021); The Netherlands ranks 19 of 46 countries in Europe & Central Asia with data, based on each country's latest value.
Global rank: #32 of 142 (2021); The Netherlands ranks 32 of 142 countries with data globally.
Europe & Central Asia average: 26.3% (2021); The Netherlands (27.8%) is above the average of 26.3% across the 46 countries in Europe & Central Asia with data.
Owns a credit card (% age 15+) (2021): 37.4% (2021); Related indicator from World Bank Global Findex.
Internet use in the Netherlands (2024): 97% (2024); 97% of the population in the Netherlands used the internet in 2024 (World Bank); shown for context only.
Population (2024): 18 million (2024); The Netherlands had a population of 18 million in 2024 (World Bank); shown for scale only.

Trend, 2014–2021

Credit Card Usage in Netherlands by year (% of adults (age 15+))
Year	% of adults (age 15+)	Change
2021	27.8%	−2.2 pp
2017	30%	+3.9 pp
2014	26%	—

Fig. 1 — Credit Card Usage in Netherlands, 2014–2021

Frequently asked questions

What share of adults in the Netherlands used a credit card?

27.8% of adults in the Netherlands used a credit card in 2021, according to World Bank Global Findex data.

How recent is the credit card usage data for the Netherlands?

The most recent observation is from 2021. World Bank Global Findex data is reported with a lag, so 2021 is the latest available year for the Netherlands.

Where does the credit card usage data for the Netherlands come from?

The data comes from the World Bank Global Findex (indicator fin22g). The latest observation for the Netherlands is from 2021; the snapshot was retrieved on 2026-06-10.

How has credit card usage in the Netherlands changed over time?

World Bank Global Findex data show a rise from 26% in 2014 to 27.8% in 2021.

How does the Netherlands compare with other countries in Europe & Central Asia?

The Netherlands ranks 19 of 46 countries in Europe & Central Asia with data, with 27.8% versus a regional average of 26.3% (latest values per country).

Source & methodology

Source: World Bank Global Findex, indicator fin22g, retrieved 2026-06-10.

Figures are shown exactly as published in the source dataset; only the change column of the trend table is computed from adjacent published values.Read more on the methodology page. All figures are estimates and projections; this is not financial advice.

Last updated 2026-06-10.