Used my Wise card at ABN AMRO in Rotterdam. ATM asked if I wanted to convert to GBP, I hit No, and got mid-market rate. My friend hit Yes and got rip...

I used a prepaid OV-chipkaart during my trip to Utrecht. It works on all trains, buses, and trams. You can buy and reload it with cash or card at stat...

My hostel in Haarlem accepted card, but they charged a small 2% surcharge. Not a big deal, but I wasn’t expecting it. Still better than finding an ATM...

If it's a bank-owned ATM like Rabobank, ING, or ABN AMRO, you can contact their local branch directly. They’ll often retrieve it within 1-2 working da...

I used a Rabobank machine inside a shopping centre and felt totally fine. Honestly, I’ve never felt unsafe withdrawing cash here. Machines are clean, ...

Used my Amex in Schiphol airport and at a few high-end stores, but nowhere else. Used it once at Rabobank ATM and it was fine. Visa or Mastercard is a...

took out cash at ABN AMRO near Rotterdam Centraal with my Chase card. Fee was around €4.50. They let me take out over 1K in one go. Showed the fees up...

You’re good with card or phone in big cities. I used my Wise card for every taxi. Even late-night rides had working machines. Just make sure they turn...

I budgeted €75 per day and felt comfortable. That covered lunch out, some groceries for dinner, trams, and one or two attractions. Tips aren’t a big t...