You Should Know
YSK - for all the things that can make your life easier!
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Still need PayPal for some transactions that require a credit card. In the Netherlands, credit cards aren't as commonplace as in the USA since we only pay with money we actually have.
I'm not saying I discredit your argument, I'm just angry at companies requiring either a credit card or PayPal (or even worse, those buy now pay later deals).
Same in Germany, so I just got a free credit card from Advanzia Bank in Luxembourg. As long as you pay the bill on the due date (via bank transfer, which is free in the EU), there are no fees and charges whatsoever.
I have a credit card with ING for international payments. You can just get one if you want one, as long as you have a moderate income and no a history of unpaid debt.
Paypal is easier and possibly cheaper, but it's also a scummier bank (American scummy bank rather than European scummy bank). That said, PayPal Europe and PayPal US are two very different companies that share the same name and logo, with very different capabilities and terms of service.
My wife has an ING credit card pretty much because you need one if you wanna rent a car abroad