The ING Businesscard is a business credit card for entrepreneurs, from freelancers to SMEs, and associations and foundations. Convenient for your business expenses, online purchases, and all business expenses on business trips with your universally accepted business card. This business credit card has a spending limit starting from €500.
For large corporate clients, the ING Corporate Card is more suitable than the ING Businesscard.
"}},{"componentType":"sectionTitle","title":"The benefits of the ING Businesscard"},{"componentType":"accordion","accordionList":[{"title":"Pay with your business credit card","richBody":{"value":"Paying with your ING Businesscard is very simple. The credit card for businesses works the same as your debit card. You can quickly and contactlessly pay small amounts, for example at a restaurant or store. For larger amounts, you need to approve the payment with your PIN. Want to reserve a rental car or hotel with the ING Businesscard? For online payments, use the credit card number of your business credit card and the associated Card Validation Code (CVC). Going on a business trip outside the Netherlands? You are also insured for any travel inconveniences.
"}},{"title":"Insured on business trips with the free SafeGuard package","richBody":{"value":"
With the ING Businesscard, you receive the SafeGuard package for free with your business credit card in collaboration with Inter Partner Assistance S.A. This includes:
SafeGuard package terms and conditions (pdf)
"}},{"title":"Always insight into your business expenses","richBody":{"value":"All your ING Businesscard transactions from the past 12 months are visible in Mijn ING Zakelijk. There, you can also see your current spending limit and card limit. In addition to the online overview in My ING Business, you also have access to the ING Commercial Card Portal with your ING Businesscard. Through this portal, you can also download the overviews from the past 12 months.
More about the ING Commercial Card Portal
"}},{"title":"Collaboration with Mastercard","richBody":{"value":"The ING Businesscard is issued in collaboration with Mastercard. It can be used worldwide at more than 32 million locations displaying the Mastercard logo. With this card, you can withdraw money from ATMs both domestically and internationally, as well as from bank offices abroad.
"}},{"title":"Reversal of incorrect charges within 30 days","richBody":{"value":"Has an incorrect amount been charged to your business credit card, or has a payment been processed twice? You can request a reversal of the transaction within 30 days. ING will investigate the payment on your behalf.
Find out how to submit your request.
"}}]},{"componentType":"sectionTitle","title":"What does an ING Businesscard cost?"},{"componentType":"paragraph","richBody":{"value":"The ING Businesscard costs %{prijs.zbt:basis.bankieren.passenencards.businesscard.eur}% per year. This amount is deducted annually. The expenses you make with the credit card for business purposes are deducted monthly from your business account.
Additionally, it is possible to request extra ING Businesscards for the same cost per card.
"},"alignedImage":{"position":"top"}},{"componentType":"accordion","accordionList":[{"title":"Payments and withdrawals","richBody":{"value":"Paying in euros with your ING Businesscard is free of charge, even abroad. If you want to pay with your business credit card in foreign currencies, you will incur a so-called 'currency surcharge'. This means that the exchange rate is increased by a surcharge percentage of the withdrawn amount.
| Transaction method | In Euro | Other currencies |
|---|---|---|
| Payment via payment terminal | no extra costs | %{prijs.zbt:betalenbuitensepa.betalingbetaalautomaat.businesscard.nieteurolanden.tarief.eur.EN}% + %{prijs.zbt:betalenbuitensepa.betalingbetaalautomaat.businesscard.nieteurolanden.procentueel.perc.EN}% currency surcharge |
| Cash withdrawal | %{prijs.zbt:contantgeld.geldopnemen.geldautomaat.businesscard.noneurolanden.tarief.eur.EN}% per transaction | %{prijs.zbt:contantgeld.geldopnemen.geldautomaat.busscorpcard.eurolanden.tarief.eur.EN}% + %{prijs.zbt:contantgeld.geldopnemen.geldautomaat.businesscard.noneurolanden.koersopslag.perc.EN}% currency surcharge |
The ING Businesscard is a business credit card primarily suitable for enterprises, from freelancers to SMEs, and associations & foundations. It's convenient if you:
The ING Businesscard is also a suitable business credit card for freelancers and startups. Be sure to check the conditions for applying for an ING Businesscard. Among other things, you must deposit sufficient income from your business monthly into your business ING account.
For large corporate clients, the ING Corporate Card is more suitable.
"}},{"title":"What should I do in case of loss or theft of my ING Businesscard?","richBody":{"value":"Is your ING Businesscard lost or stolen? Immediately contact the ING Businesscard Service Team to block your business credit card and prevent potential misuse. Available 24 hours a day, 7 days a week.
"}},{"title":"What is the maximum limit of the ING Businesscard?","richBody":{"value":"The spending limit depends on the credit assessment for your business, with a maximum of up to €50,000. For all business credit cards, it is not possible to spend more than the available credit of the business and the card-level spending limit.
"},"textLinks":[{"url":"/en/business/loans-and-finance","text":"Explore options for financing large expenses"}]},{"title":"What is the difference between card limit and contract limit (program limit)?","richBody":{"value":"If there is only one card in the program, the card limit and contract limit are the same. If there are multiple cards, the contract limit can be lower than the sum of all card limits. Each card can spend up to the card limit, but if the total of all cards exceeds the contract limit, no further spending can be done.
Example
Company X has three employees (A, B, and C), each with a card limit of €5,000. However, the contract limit is €10,000. A and B each spend €5,000 with their cards. C can no longer make any expenditures with the card because the contract limit has been reached, despite the full card limit of €5,000 still being available.
"}},{"title":"How do I cancel my ING Businesscard?","richBody":{"value":"You can easily cancel your card and program via Mijn ING Zakelijk. There is no entitlement to a refund of the annual card fee.
"},"textLinks":[{"url":"https://mijnzakelijk.ing.nl/banking/businesscards/modify-businesscard","text":"Cancel my ING Businesscard"}]},{"title":"How do I report an incorrect charge on my business credit card?","richBody":{"value":"Has an incorrect amount been charged to your business credit card or has a payment been charged twice? Contact the ING Businesscard Serviceteam to report it so that ING can investigate this payment for you.
Read more about disputing a transaction
"}},{"title":"Can I change or request my PIN code again?","richBody":{"value":"Choose your own credit card PIN
At ING, you can now choose your own PIN. Convenient, as it makes it easier to remember. After receiving the credit card and PIN, you can easily change the PIN at any ATM in the Netherlands.
Forgot your PIN?
Have you forgotten the PIN of your business credit card? You can easily request your current PIN via the ING Businesscard Service Team. For security reasons, the PIN will be sent by mail.
In the Commercial Card Portal and app, you will find an overview of all business credit card expenses, monthly statements, and more. Can't figure it out? Read more here for further information about the ING Commercial Card Portal and the ING Commercial Card App.
"}},{"title":"How can I request an extra business credit card?","richBody":{"value":"It’s easy to request an extra business credit card for someone else in your company, like your assistant, a sales manager or online marketeer.
You do this in the App or My ING Business.
"},"textLinks":[{"url":"https://mijnzakelijk.ing.nl/banking/mobile/businesscards/request?flow-step=flow-info&EW=true","text":"Request an extra business credit card"}]}]},{"componentType":"paragraph","title":"Your business credit card from ING","richBody":{"value":"