GeoffL
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Now I know what the card problem is.
MasterCard Is the main provider, many, most? smaller shops, bars, snack bars and market traders do not accept both to save having to pay for the second machine and two membership fees. In tourist areas it is worth the extra cost. As far as I know all the Dutch banks are linked to MasterCard. ( My wife used to work for a Dutch bank. )
We used to have this problem a lot in many smaller places all over Europe.
If you possibly can then get one Visa AND a MasterCard.
... er, Clarity is Mastercard. We also have Visa debit cards that weren't accepted in two places that wouldn't accept our Clarity card. The problem seemed to be that our cards aren't Dutch.