That the Dutch are a frugal lot has never been up for debate, but, as it turns out, this affects your lifestyle as much as it does theirs. Although it could just be a much deserved backlash against lending and banking institutions in the wake of the financial crisis, more and more cafés and bars are reluctant to accept credit and bank cards at their establishments. In less extreme cases, restaurants require a minimum bill of at least €10 - 20 to accept a card as they have to pay a commission for these transactions. Still other places only accept cash, while major supermarkets in the city centre such as Albert Heijn only accept local Dutch bankcards. The moral of the story is clear: make sure you always have some cash on you because the Dutchman pouring your beer behind the bar wants to save €0.50 and we’re inclined to support him.