{"type":"document","data":{"id":"d4d084e1-c775-4b66-82dc-d7a23e054bf0","localeString":"en-GB","publishDate":"2026-03-12T13:44:01.540+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"The current Interchange Fee and Scheme rates and fees can be found here."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Every acquirer within the European Union is required to provide information about the Interchange Fee and scheme fees. The current Interchange Fee Plus rates are listed here. All rates apply per transaction.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/36c5fac4-f9ae-4d46-8d7f-730ef169a25f/Woman-laughs-on-small-boat-on-canal","type":"image","width":4896,"altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/69a6a483cfa950e5/original/Woman-laughs-on-small-boat-on-canal.jpg","extension":"jpg"},"title":"The Interchange Fee Directive"},"backLink":{"textLink":{"url":"/en/business/payments","text":"Business payments"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","title":"Point of Sale transactions","richBody":{"value":"<p><strong>Debitcard transactions</strong></p><table><thead><tr><th><p>Payment card acceptance</p></th></tr></thead><tbody><tr><td width=\"150\"><p>Maestro, V PAY, </p><p>Mastercard Debit, VISA Debit</p></td><td width=\"50\">IF[1] + € 0.041[2]</td></tr></tbody></table><p>[1] The Interchange Fee applicable to the specific underlying transaction. This fee is paid by ING to the organization that issued the payment card used. The interchange fee agreed between banks in the Netherlands ranges between €0.01 and €0.02 per transaction. If no such agreements apply, the standard interchange fees set by Mastercard and Visa apply.  </p><p>[2] This concerns the markup charged by ING.</p>"}},{"componentType":"paragraph","richBody":{"value":"<table><thead><tr><th><strong>Creditcards</strong></th></tr></thead><tbody><tr><td> </td><td>VISA</td><td>Mastercard</td></tr><tr><td>Normal</td><td>IF[1] + 2,15%[2]</td><td>IF[1] + 2,20%[2]</td></tr><tr><td>High</td><td>IF[1] + 2,45%[2]</td><td>IF[1] + 2,50%[2]</td></tr></tbody></table><p>[1] The Interchange Fee applicable to the specific underlying transaction. The Interchange Fee is a percentage of the transaction amount.</p><p>[2] This concerns the markup charged by ING. The markup is a percentage of the transaction amount.</p>"}},{"componentType":"linkList","iconTitle":{"title":"Downloads & information"},"textLinks":[{"url":"https://assets.ing.com/m/728fabb4f207c0ed/original/ING_Tarifering-transacties-betaalpassen-en-creditcards-2023.pdf","text":"Background information on Interchange Fees and Scheme fees (in Dutch)"}]},{"componentType":"linkList","iconTitle":{"title":"Payments"},"textLinks":[{"url":"/en/business/accepting-payments","text":"Accepting payments"},{"url":"/zakelijk/betalen/betalingen-doen","text":"Executing payments"},{"url":"/en/business/payments/cash","text":"Cash withdrawal and deposit"}]}]}}}