On a night when Wembley paid its respects to the late Dutch legend Johan Cruyff with applause in the 14th minute, a much-changed England side slipped to a rare defeat at the national stadium.
Man-of-the-match Jamie Vardy rounded off a slick passing move to steer in Kyle Walker's cross four minutes before the interval - but Roy Hodgson's side could not protect their lead.
England's defence lived on the edge too often and were eventually punished when a sloppy passage of play led to Danny Rose handling, and Vincent Janssen scored from the spot after 50 minutes.