This was one of the longer and more informative posts over there, as the Dutch do cards a little bit differently.
The Dutch tend to prefer to use Maestro instead of MasterCard, albeit owned by the same company, just different brands. Visa isn’t widely taken either.
I spent a week travelling around the Netherlands, packing both Starling and Monzo as well as my HSBC cards as a fallback.
Acceptance of MasterCard is growing, and worked whenever I used it. All machines I tried my HSBC cards in took less than 5 seconds to tell me they were invalid.
The more touristy the place, the more likely to take a MasterCard. For example, Albert Heijn (supermarket) won’t take MasterCard, but the To Go versions in train stations will. The “Kiosk” in the train stations also took MasterCard fine when I tried. Train station toilets worked, too.
Worked fine at all the NS stations I tried, was able to top up my chipkaart without issues.
ATMs worked as well, but make sure you do not allow the ATM to do DCC. £20 difference on a 200eur withdrawal.