{"type":"document","data":{"id":"875ad534-918d-4d57-b205-d9b66abbff49","localeString":"en-GB","publishDate":"2026-04-15T15:51:39.128+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"ING introduces Apple Pay for your credit card. Ready to pay – and you’re done! Read more about how to activate and use Apple Pay for your credit card."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/9c46f9f0-62cb-4b56-826a-be082f45f6e3/money-and-happiness-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/10ee0e9c8120ce06/original/money-and-happiness-1920.jpg","extension":"jpg"},"title":"Apple Pay for your ING Credit card","subtitle":"The best of both! The benefits of your credit card and the ease of paying with Apple Pay."},"backLink":{"textLink":{"url":"/en/personal/payments","text":"All about payments"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Apple Pay for credit cards"},{"componentType":"paragraph","richBody":{"value":"

Want your purchases to be insured, and want to pay for them without having to enter your entire credit card number manually? That’s why there’s Apple Pay for credit cards. Pay safely and securely using Face ID or Touch ID.

You can leave your plastic credit card at home and still always have an extra means of payment with you. Plus, you can use your card limit if you need to.

"}},{"componentType":"sectionTitle","title":"Activate Apple Pay for credit cards in five steps:"},{"componentType":"applicationProcess","steps":{"stepList":[{"title":"Start in the ING app","list":["Go to the ING app","Tap ‘Service’ at the bottom right.","Scroll down to ‘Arrange it yourself’ and select ‘Your app settings’."]},{"title":"Create your digital credit card","list":["Tap ‘Apple Pay’ and then ‘Credit card’.","Select the credit card for which you want to activate Apple Pay.","Choose ‘Add to Apple Wallet’."]},{"title":"Add to Apple Wallet","body":"This will take you to your Apple Wallet, where we’ll ask you to accept the terms and conditions."},{"title":"Verify your Apple Pay credit card","body":"Use the verification code to confirm that you’re adding your credit card to your Apple Wallet.","list":["The verification code will be texted to you.","Enter the verification code in the app."]},{"title":"Ready to pay!","body":"Now it’s even easier to pay with your credit card – so you can get on with your day!"}]}},{"componentType":"sectionTitle","title":"Frequently asked questions (FAQ's)"},{"componentType":"accordion","accordionList":[{"title":"How can I remove my ING Credit Card from Apple Pay?","richBody":{"value":"

It is possible to remove mobile payments (Apple Pay, Google Pay, Garmin Pay) from a specific device, e.g. phone or watch. This applies to all mobile payment cards (VPAY, Maestro, Visa Debit or Debit Mastercard) and ING Credit Cards. You can easily remove a mobile debit card from the wallet with which you have connected to your ING Debit Card or ING Credit Card.

Do you want to remove mobile payments from your watch? You do this via the watch app on your mobile phone.

Delete Apple Pay

You can delete the debit or credit card from Apple Wallet at any time.

  1. Go to the Apple Wallet
  2. Tap the pass you want to delete.
  3. Tap the menu (blue circle with three white dots).
  4. At the bottom of the screen you will see 'remove card'. Choose 'Delete' if you want to permanently delete the card.

The card has been permanently removed from your wallet. The transaction history is no longer visible in the wallet after deletion. You can reactivate your card for Apple Pay at any time.

Note: Removing a card in the wallet on your phone will not remove it on your Apple Watch. A debit card must be deleted separately in the wallet on your Apple Watch.

 

"}},{"title":"IPhone lost or stolen?","richBody":{"value":"

If your phone has been lost or stolen, remove your debit card or credit card via iCloud with 'Find my iPhone' or via your 'Apple ID account page'. Follow the next steps:

Find My iPhone:

Apple ID Account:

Don't forget to also block your ING App. You do this online in My ING. Or by calling our Emergency Line.

ING Emergency Line: 020 22 888 00

Available 24 hours a day, 7 days a week.
    

"}},{"title":"Activation of Apple Pay does not work for my ING Credit Card","richBody":{"value":"

In case you can not activate Apple Pay, please check the following conditions; 

Apple Pay can be used by anyone from age 16 and with:

What you’ll need to activate Apple Pay

If you’ve also added your credit card to Apple Pay, you can use it up the spending limit on your ING credit card.

Please note that amounts spent on your physical card and mobile credit card will be added together. 

How does the verification code for Apple Pay work?

You’ll receive a verification code when you try to add a new card to your Apple Wallet. You’ll receive this code on the telephone number that you’ve provided to ING. 

Do I need an internet connection to make a payment with Apple Pay?

You do not need an internet connection to make a payment with the debit card that you’ve added to Apple Pay. However, if you’ve added a card to Apple Wallet by using the ING App, then you will need an internet connection.

How do I activate Apple Pay on a new phone?

You can use Quick Start to set up your new iPhone or iPad automatically. Make sure that you place the SIM card in your new phone first.

Activating Apple Pay doesn’t work on my new phone. What should I do?

You can use Quick Start to set up your new iPhone or iPad automatically. Make sure that you place the SIM card in your new phone first. The ING cards which you want to add to Apple Pay, you must validate these within the ING App, after you finalised the quick start of your new phone and the activation of the ING App on your new device. 

  1. Open the ING App (on your new phone) and tap "Service" in the bottom right corner.
  2. Scroll to "Self-service" and tap "Your app settings", then select "Apple Pay".
  3. Choose the card you want to verify and tap "Next".
  4. On the screen, in a blue box, tap "Multiple cards waiting for activation. Activate now". Press the button and wait for the next page to load. This may take about 10 seconds.
  5. Then tap "Activate" and afterwards "Confirm".
  6. Your ING debit card in your Apple Wallet is now active!

Have you started using a new phone and are you getting an error message when activating Apple Pay on your new device?

First, remove your ING card from Apple Wallet:

After you’ve removed your ING card, open the ING App and follow the steps to (re)activate Apple Pay for your ING Debit Card or ING Credit Card again.

"}},{"title":"Questions about Apple Pay transactions","richBody":{"value":"

Where can I see my transactions?

You’ll see your transactions in the transaction overview in the ING App. You’ll see the last ten in Apple Wallet. If you’ve paired a smartwatch (Garmin, Fitbit, etc.) with your phone, you’ll be able to see them there too. You can turn this on and off in the settings of the app on your smartphone.

Why has my transaction been declined? 

"}},{"title":"What does it cost to pay with Apple Pay?","richBody":{"value":"

Paying with Apple Pay in euros is free of charge.
For payments in currencies other than the euro, a foreign exchange fee of 1.40% applies when using your debit card. For credit card payments, the foreign exchange fee is 2%.

"}},{"title":"How can I pay with my Apple Watch","richBody":{"value":"

More information about paying with your Apple Smartwatch can be found on ING.nl

How can I confirm a payment with my Apple Watch?

"}},{"title":"What is the payment limit for using your ING Credit Card with Apple Pay?","richBody":{"value":"

The limit of your ING credit card also applies to payments made with Apple Pay.

"}},{"title":"Where can I find the CVC code of my ING Credit Card?","richBody":{"value":"

You can find the CVC code on the back of your credit card.

"}},{"title":"Can I add multiple cards to my Apple Pay wallet?","richBody":{"value":"

Depending on the type of device (from iPhone 8 and Apple Watch Series 3 onwards) and the iOS version you have (from iOS 17), you can activate an unlimited number of payment cards. For older models, the maximum is 8. If you have a valid ING Credit Card, you can add it to Apple Pay.

"}},{"title":"From what age is Apple Pay available?","richBody":{"value":"

The minimum age for using Apple Pay is 16. Do you have an ING Credit Card? Then you can activate Apple Pay.

"}},{"title":"I can't add my credit card to my Apple Watch. What can I do?","richBody":{"value":"

Follow the steps below to resolve the issue:

  1. Start activating your card from the ING App. You can find more information about paying with your Apple Watch.
  2. Check if you have the latest version of the ING App installed on your iPhone.
  3. Update watchOS on your smartwatch to the latest version.
  4. Make sure the Apple Watch app is activated on your phone.
  5. Restart both your iPhone and your smartwatch, then try again.
"}},{"title":"How do I install Apple Pay on my Macbook?","richBody":{"value":"

For the MacBook it is possible to add mobile cards to the Apple Wallet on the Macbook.

Steps on the Macbook:

At the end, you will see that verification is required by the bank. Always choose for verification in the ING App.

Follow-up steps in the ING App:

"}},{"title":"How do I verify my debit- or creditcard when activating Apple Pay from Apple Wallet?","richBody":{"value":"

If you want to activate your debit- or creditcard of Visa or Mastercard for mobile payments directly from Apple Wallet, verification in the ING App is always required.

  1. Open the ING App and tap "Service" in the bottom right corner.
  2. Scroll to "Self-service" and tap "Your app settings", then select "Apple Pay".
  3. Choose the debit-/ credit card you want to verify and tap "Next".
  4. On the screen, in a blue box, tap "Multiple cards waiting for activation. Activate now". Press the button and wait for the next page to load. This may take about 10 seconds.
  5. Then tap "Activate" and afterwards "Confirm".
  6. Your ING card in your Apple Wallet is now active!
"}},{"title":"How do I activate Apple Pay for my Credit Card on a new phone?","richBody":{"value":"

You can use Quick Start to set up your new iPhone or iPad automatically. Make sure that you place the SIM card in your new phone first. The ING cards which you want to add to Apple Pay, you must validate these within the ING App, after you finalised the quick start of your new phone and the activation of the ING App on your new device. 

  1. Open the ING App (on your new phone) and tap "Service" in the bottom right corner.
  2. Scroll to "Self-service" and tap "Your app settings", then select "Apple Pay".
  3. Choose the card you want to verify and tap "Next".
  4. On the screen, in a blue box, tap "Multiple cards waiting for activation. Activate now". Press the button and wait for the next page to load. This may take about 10 seconds.
  5. Then tap "Activate" and afterwards "Confirm".
  6. Your ING debit card in your Apple Wallet is now active!
"}},{"title":"I don't see my ING Credit Card in the list of cards I can activate for Apple Pay. What can I do?","richBody":{"value":"

Please check the status of your card. If your card is blocked, it will not appear in the list of available cards.
Unblock your card first. Once unblocked, it will reappear in the list and you’ll be able to activate it for Apple Pay.

"}},{"title":"Why does the card number on my credit card in Apple Wallet not match the credit card number in the ING App?","richBody":{"value":"

When a physical credit card is replaced, the new credit card is immediately visible in the ING App. It may take one business day for the number of the new credit card to also be updated in Apple Wallet. The customer can continue to pay with the credit card via Apple Pay, because the card in Apple Wallet is already linked to the new credit card behind the scenes.

"}},{"title":"Is Apple Pay (mobile payment) also available for Android users?","richBody":{"value":"

For mobile payments with an Android phone, there is Google Pay.

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