{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Alles over mobiel betalen, Apple Pay, ING en veelgestelde vragen.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"accordionList":[{"richBody":{"value":"<p><strong>1) Open the ING App and go to “Service”</strong></p><p>Open the ING App<br />Tap “Service” in the bottom right corner<br />Scroll to “Self-service” and tap “Your app settings”</p><p><br /><strong>2) Choose your debit card</strong></p><p>Tap “Apple Pay” and then “Debit card”<br />Select the account / ING debit card you want to activate Apple Pay for<br />Tap “Add to Wallet”</p><p><br /><strong>3) Add to Apple Wallet</strong></p><p>You’ll be redirected to the Apple Wallet environment<br />Accept the terms and conditions<br />To verify your identity, tap “Use the ING Netherlands Mobile App”</p><p><br /><strong>4) Ready to pay!</strong></p><p>Your ING debit card is now in Apple Wallet<br />You’re all set to make payments!</p>"},"title":"How do I activate Apple Pay?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Requirements with Apple Pay"},{"accordionList":[{"richBody":{"value":"<p>To use Apple Pay, you need: </p><ul><li><p>An ING current account with a debit card or credit card </p></li></ul><ul><li><p>The latest version of the ING App </p></li></ul><ul><li><p>A suitable Apple device </p></li></ul><ul><li><p>The latest iOS version on your device </p></li></ul><ul><li><p>A working iCloud account </p></li></ul><ul><li><p>An internet connection during setup </p></li></ul><ul><li><p>You are 16 years or older </p></li></ul>"},"title":"What do you need to activate Apple Pay?"},{"richBody":{"value":"<p>Apple Pay is available from the age of 16. If you have an ING Youth Account, you can activate Apple Pay as soon as you are 16 years old or older.</p>"},"title":"From what age is Apple Pay available?"},{"richBody":{"value":"<p>Can’t activate Apple Pay? Check whether you meet these conditions: </p><ul><li><p>You are 16 years or older </p></li></ul><ul><li><p>You have an iPhone SE, iPhone 6 or newer, or an Apple Watch or iPad </p></li></ul><ul><li><p>You have an ING current account with an ING debit card or ING credit card <br />(Business Cards are not supported) </p></li></ul><ul><li><p>You have the latest version of the ING App </p></li></ul><ul><li><p>You are signed in with your Apple ID in iCloud on the device </p></li></ul><ul><li><p>The region of your device is set to the Netherlands </p></li></ul><ul><li><p>Your phone number is correct in our records </p></li></ul><ul><li><p>You have an internet connection during activation </p></li></ul>"},"title":"Why can’t I activate Apple Pay?"},{"richBody":{"value":"<p>Are you using a new iPhone or iPad? Then you can activate Apple Pay again via the ING app. Make sure your SIM card is in your device and that the ING app is installed. </p><p><strong>Step by step: </strong></p><ul><li><p>Set up your new device (for example with ‘Quick Start’) </p></li></ul><ul><li><p>Open the ING app </p></li></ul><ul><li><p>Tap ‘Service’ at the bottom right </p></li></ul><ul><li><p>Go to ‘Self-service’ and tap ‘Your app settings’ </p></li></ul><ul><li><p>Tap ‘Apple Pay’ </p></li></ul><ul><li><p>Choose the debit card or credit card </p></li></ul><ul><li><p>Tap ‘Next’ </p></li></ul><ul><li><p>Tap ‘Activate now’ </p></li></ul><ul><li><p>Tap ‘Activate’ and then ‘Confirm’ </p></li></ul><p>Your card is now in your Apple Wallet. </p><p>Can’t activate Apple Pay? Check whether your phone has fully started up and whether the ING app has been activated properly. </p><p>Are you getting an error message? First remove your card from the Apple Wallet and add it again via the ING app. </p>"},"title":"How do you activate Apple Pay on a new phone and what should you do if it doesn’t work?"},{"richBody":{"value":"<p>You can activate Apple Pay a maximum of 2 times per day or 3 times per 30 days. This limit applies per combination of your debit card and your phone or device. </p><p>Have you reached the limit? Then, during activation, you will see the message ‘Card device limit’. </p><p>If you have reached this limit, you can try again later. You can also choose to use another phone or select another debit card. </p>"},"title":"How often can you activate Apple Pay (mobile payments)?"},{"richBody":{"value":"<p>That depends on your debit card. </p><ul><li><p>Do you have a <strong>Maestro or V PAY debit card? </strong><br />Then, as an authorised representative, you cannot use Mobile Payments, such as Apple Pay, Google Pay or Garmin Pay. </p></li></ul><ul><li><p>Do you have a<strong> Visa Debit or Debit Mastercard debit card? </strong><br />Then, as an authorised representative, you can use Mobile Payments. </p></li></ul><p> </p><p>We are gradually replacing old Maestro and V PAY debit cards with new Visa Debit or Debit Mastercard cards. Is your current card due for replacement? Then you will automatically receive a new debit card. </p>"},"title":"Can I use Apple Pay as an authorised representative?"},{"richBody":{"value":"<p>That depends on the type of debit card you have. </p><p>Do you have a<strong> Maestro or V PAY debit card?</strong> Then Mobile Payments (such as Apple Pay, Google Pay or Garmin Pay) are not possible if you are under financial guardianship. This is because the financial guardian cannot change the limits for mobile payments. </p><p>Do you have a <strong>Visa Debit or Debit Mastercard debit card?</strong> Then you can use Apple Pay, even if you are under financial guardianship. </p><p><strong>This is what you need: </strong></p><ul><li><p>You have access to Mijn ING and/or the ING app </p></li></ul><ul><li><p>You have an ING debit card in your own name </p></li></ul><ul><li><p>You activate Apple Pay on your own phone </p></li></ul><p>The limits for mobile payments are the same as those for your physical debit card. These can be managed and changed by the financial guardian. </p><p>ING is gradually replacing older Maestro and V PAY debit cards with Visa Debit and Debit Mastercard. Once your card is replaced, you may also be able to use Apple Pay. </p>"},"title":"Can you use Apple Pay if you are under financial guardianship?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Managing cards with Apple Pay"},{"accordionList":[{"richBody":{"value":"<p>Yes, you can. You can add one debit card per IBAN. </p><p>Are you using an iPhone 8 (or newer) with iOS 17 or higher, or an Apple Watch 3 (or newer)? Then you can add multiple cards without a fixed maximum. On older devices, you can add a maximum of 8 debit cards. </p><p>Do you have a valid ING credit card? Then you can also add it to Apple Pay. </p>"},"title":"Can I add multiple debit cards to Apple Pay?"},{"richBody":{"value":"<p>Are you adding an ING debit card or ING credit card via the Apple Wallet? Then you still need to verify your card in the ING app. </p><p><strong>Step by step: </strong></p><ul><li><p>Open the ING app </p></li></ul><ul><li><p>Tap ‘Service’ at the bottom right </p></li></ul><ul><li><p>Go to ‘Self-service’ and tap ‘Your app settings’ </p></li></ul><ul><li><p>Tap ‘Apple Pay’ </p></li></ul><ul><li><p>Choose the debit card or credit card you want to verify </p></li></ul><ul><li><p>Tap ‘Next’ </p></li></ul><ul><li><p>Tap ‘Activate now’ for cards waiting for activation </p></li></ul><ul><li><p>Wait until the next page has loaded (this may take a few seconds) </p></li></ul><ul><li><p>Tap ‘Activate’ and then ‘Confirm’ </p></li></ul><p>Your card has now been added and is ready to use in Apple Pay. </p>"},"title":"How do you verify your debit card when adding Apple Pay via the Apple Wallet?"},{"richBody":{"value":"<p>You can choose which card you pay with. Before approving the payment, tap the card you want to use. This card moves to the front and is used for the payment. </p><p>You can also set a default card. This card is automatically used for payments. </p><p>Step by step: </p><ul><li><p>On your<strong> iPhone:</strong> go to ‘Settings’, tap ‘Wallet &amp; Apple Pay’ and go to ‘Transaction Defaults’ to set your default card </p></li></ul><ul><li><p>On your <strong>Apple Watch:</strong> set your default card on your watch or via the Watch app on your phone </p></li></ul><ul><li><p>On your <strong>Mac</strong>: go to ‘System Settings’, choose ‘Wallet &amp; Apple Pay’, click ‘Default Card’ and choose the debit card you want to use </p></li></ul>"},"title":"How do you choose which card you pay with in Apple Pay?"},{"richBody":{"value":"<p>You remove your debit card from Apple Pay via the wallet you used to link your ING debit card. Do you have Apple Pay on your phone? Open the Apple Wallet, choose your debit card and remove it. </p><p>Are you using another wallet, such as Google Pay or Garmin Pay? Then remove your debit card via that same app. Do you want to remove mobile payments from your watch? You do this via the watch app on your phone. </p><p>It does not matter which debit card you have (V PAY, Maestro, Visa Debit or Debit Mastercard). You always remove mobile payments per device. </p><p><strong>Removing your debit card from Apple Pay </strong></p><ul><li><p>Open the Apple Wallet app from your iPhone&apos;s Home Screen. (Do not use the side button shortcut.)</p></li></ul><ul><li><p>Choose the debit card you want to remove </p></li></ul><ul><li><p>Tap the menu (blue circle with three dots) </p></li></ul><ul><li><p>Scroll down and tap ‘Remove Card’ </p></li></ul><ul><li><p>Confirm that you want to remove the card </p></li></ul><p>After removal, your debit card is no longer visible in your wallet. You can also no longer view the transaction history there. You can always add your debit card again later. </p><p>Do you use Apple Pay on your Apple Watch? Then remove your debit card separately via the Watch app on your iPhone. </p>"},"title":"How do I remove my debit card from Apple Pay?"},{"richBody":{"value":"<p>Has your iPhone been lost or stolen? Remove your debit card or credit card from Apple Pay as soon as possible. You can do this via iCloud or your Apple ID account. </p><p><strong>Step by step (via ‘Find My iPhone’): </strong></p><ul><li><p>Open the ‘Find My iPhone’ app or go to iCloud.com </p></li></ul><ul><li><p>Choose ‘Find My iPhone’ </p></li></ul><ul><li><p>Select your device </p></li></ul><ul><li><p>Choose ‘Mark as Lost’ </p></li></ul><ul><li><p>You can no longer pay with Apple Pay on this device. </p></li></ul><p><strong>Step by step (via your Apple ID): </strong></p><ul><li><p>Log in to your Apple ID account page </p></li></ul><ul><li><p>Select your device </p></li></ul><ul><li><p>Choose ‘Apple Pay’ </p></li></ul><ul><li><p>Click ‘Remove’ or ‘Remove all’ </p></li></ul><p>Don’t forget to block your ING app as well. You can do this via Mijn ING or by calling the ING Emergency Line. </p><p>ING Emergency Line: 020 22 888 00 <br />Available 24 hours a day, 7 days a week. </p>"},"title":"Lost or stolen iPhone? What should you do with Apple Pay?"},{"richBody":{"value":"<p>Don’t see your ING credit card in the overview? Check the status of your card. </p><p>Your credit card is not shown if it is blocked or has not yet been activated. </p><p>Unblock or activate your credit card. After that, you will see it in the list again and can add the card to Apple Pay. </p>"},"title":"Why don’t you see your ING credit card in Apple Pay?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Payments with Apple Pay"},{"accordionList":[{"richBody":{"value":"<p>The limit depends on the debit card you have. </p><p><strong>Maestro or V PAY debit card </strong></p><p>Do you have a Maestro or V PAY debit card? Then you can pay a maximum of € 2,500 per day. This is one shared limit for all your payments. So this includes payments with your physical debit card and with Apple Pay, Google Pay and Garmin Pay together. Are you 16 or 17 years old? Then the limit is € 250 per day. You cannot change this limit. </p><p><strong>Visa Debit or Debit Mastercard debit card </strong></p><p>Do you have a Visa Debit or Debit Mastercard debit card? Then your standard limit is € 1,500 per day. This is also a shared limit for payments with your physical debit card and with Apple Pay, Google Pay and Garmin Pay together. For young people aged 16 and 17, a limit of € 250 per day applies. Are you the account holder? Then you can change this limit yourself. </p><p><strong>ING credit card </strong></p><p>The spending limit of your ING credit card also applies to payments with Apple Pay. All payments you make with Apple Pay are therefore counted within the limit of your credit card. </p>"},"title":"What is the payment limit for Apple Pay?"},{"richBody":{"value":"<p>You do not need internet to pay with Apple Pay. You can therefore also pay when you are offline, for example in a store. You only need internet when setting up Apple Pay or adding a card. Your device then connects to check your details and activate your card. </p>"},"title":"Do you need internet to pay with Apple Pay?"},{"richBody":{"value":"<p>That depends on your situation and the type of debit card you have. </p><p>Have you blocked a <strong>V Pay or Maestro debit card?</strong> Then you can usually still use Apple Pay. </p><p>Have you blocked a <strong>Visa Debit or Debit Mastercard? </strong>Then Apple Pay with that card will no longer work either. As soon as you unblock your debit card, you can use Apple Pay again. </p><p>Do you turn off contactless payments on your debit card? Then you can still use Apple Pay. Apple Pay is separate from contactless payments with your plastic debit card. You can therefore continue to pay at payment terminals, in apps and in online stores that accept Apple Pay. </p>"},"title":"Can you use Apple Pay if your debit card is blocked or contactless payments are turned off?"},{"richBody":{"value":"<p>You can see your Apple Pay transactions in the transaction overview in the ING app. You can also view the last ten transactions in the Apple Wallet. If you use a smartwatch linked to your phone, you can also see your transactions there. You decide yourself via your smartphone settings whether this is shown. </p><p>If a payment is not completed, there may be several reasons: </p><ul><li><p>You have insufficient balance or have reached your daily limit </p></li></ul><ul><li><p>Your debit card has not yet been activated and is waiting for verification </p></li></ul><ul><li><p>The account you want to pay with is blocked </p></li></ul>"},"title":"Where can you see your Apple Pay transactions?"},{"richBody":{"value":"<p>Paying with Apple Pay in euros is free. </p><p>Do you pay in a currency other than euros? Then you pay an exchange rate surcharge: </p><ul><li>1.40% for payments with your debit card </li><li>2% for payments with your credit card </li></ul><p>These costs are calculated automatically during the payment. </p>"},"title":"What does paying with Apple Pay cost?"},{"richBody":{"value":"<p>Yes, you can. </p><p>Do you have a debit card with the <strong>Visa or Mastercard logo? </strong>Then you can withdraw cash with your phone or smartwatch. Hold your digital debit card against the NFC reader of the ATM and enter the PIN of your physical debit card. </p><p>After that, you can withdraw cash. </p>"},"title":"Can you withdraw cash with your mobile phone?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Card details with Apple Pay"},{"accordionList":[{"richBody":{"value":"<p>Do you have an ING debit card from Visa Debit or Debit Mastercard? Then you can find the CVC or CVV code in the ING app. </p><p>Step by step: </p><ul><li><p>Open the ING app </p></li></ul><ul><li><p>Tap ‘Service’ at the bottom right </p></li></ul><ul><li><p>Go to ‘Self-service’ and tap ‘Your cards’ </p></li></ul><ul><li><p>Choose the debit card whose code you want to view </p></li></ul><ul><li><p>Tap ‘Card details’ </p></li></ul><p>Here you will see an overview of your card details, including the CVC or CVV code </p>"},"title":"Where can I find the CVC or CVV code of my debit card?"},{"richBody":{"value":"<p>If your physical credit card is replaced, you will immediately see the new card in the ING app. In Apple Pay, it can take up to one working day before the card number is also updated there. </p><p>In the meantime, you can continue to pay with Apple Pay. The card in your Apple Wallet is already linked to your new credit card behind the scenes. </p>"},"title":"Why doesn’t the card number in Apple Pay match your ING credit card?"},{"richBody":{"value":"<p>A link, also known as a token, is a secure digital number that is used instead of your real debit card. This number is linked to your debit card and is used by, for example, Apple Pay, Google Pay, online stores or subscriptions. This allows payments to be made without your real card details being shared or stored. </p><p>Are you applying for a new debit card yourself? Then, during the application, you can choose whether you want to transfer your existing links. You can then continue using your linked services without having to activate them again. </p><p>Has your debit card been lost or stolen? Then it is safer not to transfer your links. You can add them again yourself later. </p>"},"title":"What is a link (token) on your debit card?"},{"richBody":{"value":"<p><strong>Have you added your ING debit card to Apple Pay? </strong>Then you may see a different number in your Apple Wallet than your IBAN account number. </p><p><strong>Are you using an older debit card (Maestro or V PAY)?</strong> Then you will see your IBAN account number on your card in Apple Pay. </p><p><strong>Are you using a new debit card (Debit Mastercard or Visa Debit)?</strong> Then you will see a card number instead of your IBAN. This belongs to your debit card and is used for payments. This number is therefore different from your IBAN. </p><p>If you use multiple debit cards in Apple Pay, it can be more difficult to see which card belongs to which account. After activating Apple Pay, you will therefore receive a message in your ING inbox with an overview of your card number and the corresponding IBAN. This makes it easy to recognise your debit cards. </p>"},"title":"Why do you see a different number on your debit card in Apple Pay than your IBAN?"}],"componentType":"accordion"}]},"hasMacro":false,"id":"a22363bd-1d63-4a2e-b114-7c5a0af2e4d3","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"All about payments","url":"/en/personal/payments"}},"componentType":"productHeader","coreHeader":{"headerImage":{"altTextEN":"Tess","altTextNL":"Tess_werkplaats_telefoon","extension":"jpeg","original":"https://assets.ing.com/asset/d65fcb60-f2aa-44eb-8ff6-28937f4e70a6/ING_25-10-27_4680_hero.jpeg","transformBaseUrl":"https://assets.ing.com/transform/d65fcb60-f2aa-44eb-8ff6-28937f4e70a6/ING_25-10-27_4680_hero","type":"image","width":4096},"subtitle":"Do you have questions about Apple Pay? Here you’ll find the most important answers. You can use it with your iPhone, Apple Watch, MacBook or iPad, in stores, in apps and online.","title":"Frequently asked questions about Apple Pay"},"cta":{"componentType":"cta","textLink":{"text":"Read more about Apple Pay","url":"/en/personal/payments/apple-pay"}},"usps":[{"body":"Works with your ING Debit Card and ING Credit Card","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/a55a819e-9048-4e0a-8bc9-0a1fff0b223a/Notification-Success_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/a55a819e-9048-4e0a-8bc9-0a1fff0b223a/Notification-Success_Outline","type":"image","width":32}},{"body":"Pay securely with Face ID, Touch ID or your passcode","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/a55a819e-9048-4e0a-8bc9-0a1fff0b223a/Notification-Success_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/a55a819e-9048-4e0a-8bc9-0a1fff0b223a/Notification-Success_Outline","type":"image","width":32}},{"body":"For everyone aged 16 and over","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/a55a819e-9048-4e0a-8bc9-0a1fff0b223a/Notification-Success_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/a55a819e-9048-4e0a-8bc9-0a1fff0b223a/Notification-Success_Outline","type":"image","width":32}},{"body":"Activate quickly and easily in the ING App","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/a55a819e-9048-4e0a-8bc9-0a1fff0b223a/Notification-Success_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/a55a819e-9048-4e0a-8bc9-0a1fff0b223a/Notification-Success_Outline","type":"image","width":32}}]},"publishDate":"2026-08-27T16:57:25.029+02:00"}}