I was in NL a few days ago. The taxi driver asked me to change me €5 extra for a €10 ride. Of course I declined and paid what was in the meter. Stealing is not ethical. If they don't want to use cards then they should remove their VISA/MC stickers and we will use other ride services (or a tram!)
€5 seems high, but it's fairly common in eg Australia for smaller merchants (corner shops etc) to charge a card processing fee if your transaction is below a minimum threshold, usually $10.
The driver was probably trying to cover the transaction fee, it's not like most taxi drivers are raking in the big bucks.