So, twice a week, I help my old mom with the groceries, some housekeeping, and whatever else she needs assistance with.
This includes going to the ATM once a week, for her to make sure she has some cash money.
I am saddened now. Banks shut down the last ATM in a 3km radius, except for the in-store one at the supermarket, which is nearly always empty.
Been calling around to the city council, banks, and shopping center landlord to see if there's any possibility to get a replacement ATM somewhere within walking distance (especially considering it's an old people's neighborhood, full of old folks who can't walk 3km with their rollator).
Sadly, no cigar. City council points at the banks, banks say they are closing down a lot of ATMs and not replacing them. Landlord doesn't care for anything except the shops paying him his rent.
They're really trying to get rid of cash money. Reality is though, that over 60% of dutch people prefer to pay with cash over bank card. It's most notable in the supermarkets which are trying to replace their cash-outs with bank card payment only. There's a few lanes for cash now, and a few lanes for bank card only. The latter are almost always empty. Not because they're faster, but because no one wants to pay with their card. Strong mentality of 'the banks have no business looking at my shopping list'.
It's always fun to flabberghast Americans, when they discover that barely anyone over here has a credit card**. We have a strong tradition of 'earn money first, then spend it'.
While in the US, almost everyone has a credit card, over here, credit cards are regarded as a curiosity for the very rich and / or the very irresponsible. (It's eroding though. We're slowly americanizing)
EDIT: **most people do have the option to overdraw on their bank account up to some degree. Standard bank accounts come with a 500 euro overdraft allowance.