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> My colleague took a train regularly in the Netherlands a few years back that was cash only.

I don't know what a few years back was, but I can't believe there was a train in NL that was cash at all for quite some time. In the past over 10 years it's always been an OV-chipkaart, and you can get an anonymous one that you pre-load with money. I'm not even sure if you can pay with cash, short of buying a ticket/loading the card from a person at a desk.

> Dutch websites also have to offer whatever the Dutch payment provider is (I forget).

iDeal, which Wero is based on.

About the only thing I use cash for in NL is paying for my barber as he doesn't take any card, and I'm pretty sure that's black money.

Germany has always had a bit of a relationship with cash, I'd always keep €1-200 in my pocket when I went there, though this is changing now.

> I think we will manage without Visa just fine.

There is also Cirrus and Maestro which are run by Visa and Mastercard, which appears on a lot of debit cards around the world, though I don't know exactly how it works (i.e. do the cards tend to use the local network within the country and only go to the cirrus etc. networks when international, or do they do it always?)

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