In 2019 according to the Dutch Central Bank [0] 1/3 of payments is done in cash amounting for 21% of the volume. And 88% carry cash.

    2019                transactions    value
                 cash       32%          21%
          pin (iDeal)       24%          44%
  contactless (iDeal)       43%          33%
           creditcard      0.6%           2%


    ownership                   2017    2018    2019
                    pocketcash   90%     88%     88%
      debitcard w. contactless   73%     83%     86%
              debitcard w. pin   33%     23%     18%
  contactless debit smartphone    7%      9%     12%
          app for p2p payments   17%     23%     31%
                    creditcard   43%     44%     44%

  

Maximum contactless in 2019 was €25, above €25 pin required. After covid-19 this was raised to €50. All debitcards allow pin transactions. These numbers come from the pfd at [0].

[0] https://www.dnb.nl/nieuws/nieuwsoverzicht-en-archief/dnbulle... on April 20, 2020