I travel to NL frequently and I always travel in The Netherlands by train. I hate the system for buying tickets which is so much of a hassle for foreigners.
In normal countries you go to a ticket office/counter. You ask for a ticket to your destination and you pay using Visa or Mastercard or cash and there is no hassle or no extra charge. In the Netherlands you go to a ticket counter and they charge you for buying your ticket there!!!! You try to insert a Visa card or a MasterCard into the machine and they won’t accept it!!! Only at Schiphol, Amsterdam airport, they say, and even then you have to pay a surcharge. So you have to pay in cash and pay a surcharge to be told that they do not accept Visa or MasterCard.
OK, you say. You do not need to go to a counter and pay this ridiculous surcharge. There are lots of machines where you can buy tickets. Great – but for a foreigner without a Maestro card or the local NL card there is a big problem. The machines do not accept Visa, MasterCard, and can you believe it nor do they accept cash in the form of Euro bank notes!!!! It is just unbelievable. There is one way out. There are a very few machines that accept coins. In the past I have hoarded coins from across Europe and fed 30 to 50 Euros in coins into one of these machines. But it gets heavy carrying around 100 Euros in coins.
I queried this incredibly stupid system 4 years ago with Netherlands Railways and I was told that Visa and MasterCard would soon be introduced.