Netherlands capitalised on two defensive mix-ups by England in extra-time to win their Nations League semi-final 3-1 on Thursday and reach the showpiece against Portugal on Sunday.
The Dutch went 2-1 ahead when England defender Kyle Walker turned the ball into his own net in the 97th minute after a mistake by teammate John Stones.
Quincy Promes got the third in the 114th minute after England again gave the ball away at the back.
Marcus Rashford had put England ahead with a penalty kick in the 32nd minute after a mistake by Matthijs De Ligt.
De Ligt went from villain to hero by heading the equaliser in the 73rd minute.
Jesse Lingard thought he had scored for England in the 83rd minute but a VAR review showed he was just offside.
England will now go on to face Switzerland on Sunday in the third-place match.