The first bank cards in the Netherlands with a magnetic stripe appear in 1987. The customer uses a personal identification number (pin) to make payments. This system is too expensive for transactions of small amounts. With every payments a connection to the bank has to be made.

For small amounts the Chipknip and Chipper are introduced by the banks. The Chipper existst since 1997. It's an initiative of Postbank, INGbank and KPN Telecom. The other banks use the Chipknip which was introduced in 1996. These two systems are not compatible. After a struggle between the banks which lasted several years the Chipper has been replaced by the Chipknip.

The Chipknip is an electronic wallet. The customer uses a terminal to transfer money from his bank account to the smart card. For a payment with the chipknip, the customer enters the Chipknip into the reader and confirms the transfer of money.

Only a small percentage of the payments with the Chipknip is used for public transport. The card is mainly used in office canteens and parking machines.

From 1 January 2015 the Chipknip can no longer be used.

On 6th February 1998 Twente is the first region in the Netherlands where passengers can use the Chipknip to pay for their bus fare. A return ticket paid by Chipknip is cheaper than a regular presale strip ticket. Bus company Oostnet installs Wayfarer hardware in their buses. Twente had previous experiences with smart cards. The studentenchipkaart (student smart card) could also used in the buses in the Twente region.

At the same time VEONN bus route 80 from Almelo to Hoogeveen is equipped with smart card machines. The two bus routes from the VEONN city servive in Hoogeveen follow on 27th March of the same year. The fares on these lines is the same as the presale fares.

From 18th October 1998 the Chipper and the Chipknip can be used to buy tickets in the ZWN buses in the Zeeland region. The fares on these lines is the same as the presale fares. Since july 2011 the Chipknip can no longer be used to buy bus tickets in Zeeland.

Zeeland also has some previous experience with smart cards. The Zeelandkaart can be used in this region for some years.

In 19?? it becomes possible to pay for a single or a return ticket using the Chipknip in the Hermes buses.

Since 1st September 2007 the Chipknip can no longer be used to buy bus tickets in the Hermes buses in the Nijmegen region. In preparation of the OV-chipkaart all Chipknip equipment is removed. In the other Hermes buses it is still possible to use the Chipknip.

process flow Chipknip Hermes ©

In 2002 the Dutch Railways (NS, Nederlandse Spoorwegen) install new ticket machines. These machines accept the Chipknip as well.

process flow Chipknip NS ©

Since 2009/2010 most of these machines no longer accept the Chipknip.

All taxis owned by Connexxion Taxi Services (CTS) have been equiped in 2004 with hardware which makes it possible to pay with Chipknip or credit card.

process flow Chipknip CTS ©

In december 2004 ticket vending machines are installed on the tram from Utrecht to IJsselstein and Nieuwegein. After 9 am a ticket paid by Chipknip is cheaper than the regular presale strip ticket.

process flow Chipknip Connexxion ©

Download the Connexxion information leaflet. [pdf, opens in a new window]

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