Checking in and out by phone was recently rolled out nationally in the Netherlands, but at a slightly higher cost than the subscriber's card. It works on every train, metro, tram and bus in the country. The subscribers get the additional benefit of being able to hire bicycles from the train stations also.
My understanding is that that's the same cost as an anonymous blue card, not the yellow card subscribers have, meaning you'll pay the extra 40% on the train for example.
AFAIK this is true if you have the various 'plans' on your personal (yellow) card, which comes with additional cost. The 40% discount is there with one of these https://www.ns.nl/en/season-tickets/
That's super helpful, thank you. I guess for most people not using subscriptions the main reason was the automatic saldo, but now with mobile pay that's not an issue. No need to get your money back either, though I was under the impression that this is now also possible with anonymous cards.