Advanced Search
MyIDEAS: Login

Towards a European payments market: survey results on cross-border payment behaviour of Dutch consumers


Author Info

  • Nicole Jonker
  • Anneke Kosse


National noncash retail payment markets in the euro area will gradually migrate to a single euro payments area (SEPA) from 2008 onwards. Within SEPA, citizens will be able to make and receive payments to and from other euro countries as easily and safely, and on the same conditions, as in their own country using one bank account and one set of payment instruments (debit card, credit transfer and direct debit). This study reveals that the Dutch pay differently for their cross-border purchases than for their domestic purchases and that payment behaviour differs per euro country. The limited cross-border acceptance of the debit card hampers its cross-border usage and encourages the usage of cash and credit cards. Furthermore the Dutch most often use electronic transfers, followed by the credit card, for remote cross-border payments. The speed at which the Dutch will switch over to European debit cards and credit transfers will depend heavily on acceptance levels, prices and safety. Migration to the European direct debit may be hardest to archieve. Here, safety is of vital importance.

Download Info

If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
File URL:
Download Restriction: no

Bibliographic Info

Paper provided by Netherlands Central Bank, Research Department in its series DNB Occasional Studies with number 601.

as in new window
Date of creation: May 2008
Date of revision:
Handle: RePEc:dnb:dnbocs:601

Contact details of provider:
Postal: Postbus 98, 1000 AB Amsterdam
Web page:
More information through EDIRC

Related research



No references listed on IDEAS
You can help add them by filling out this form.


Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
as in new window

Cited by:
  1. Kemppainen, Kari, 2008. "Integrating European retail payment systems: some economics of SEPA," Research Discussion Papers 22/2008, Bank of Finland.


This item is not listed on Wikipedia, on a reading list or among the top items on IDEAS.


Access and download statistics


When requesting a correction, please mention this item's handle: RePEc:dnb:dnbocs:601. See general information about how to correct material in RePEc.

For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Rob Vet).

If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

If references are entirely missing, you can add them using this form.

If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.

If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.

Please note that corrections may take a couple of weeks to filter through the various RePEc services.