Payment methods in the Netherlands

Payment method are cash, pin (contactless debit card) and credit card. All have benefit and slight disadvantage.

Groceries for sure do not accept credit card. So it is either pin or cash. Be sure you use the right lane as some cashier lane specific to use pin. Or prepare your cash ready in hand. Despite claimed very tolerable people, but it is annoying when people count every cents and take their time to talk with the cashier. Or act foolishly paying cash in suppposed to be pin lane. It takes other people time.
Some smaller merchant only accept cash.
Unless you're ok with it, paying cash means also you will end up with pile of coins and at some point you have to withdraw money from atm. Most banks after several withdrawal will charge you. I think ABN is first 6 withdrawal per year is free of charge. Understand that bank want to monitor as much as they can for your cash flow.

Bills usually autodebited with your initial consent every month (gas, internet, insurance, road tax, etc.). For annual tax (property, water, garbage) can be money transferred or giro.  Be sure incorporate the kenteken (specific code inside the bills). I prefer forokey transferred to avoid any future dispute and traceability in the future. So far never had any dispute with municipality bills.

Regards
D