You can immediately recognize your debit card by the logo of V Pay, Maestro, Visa or Mastercard. The cards have a striking orange color, so you can easily find them in your wallet. Do you use a credit card? Then you’ll notice that right away too: the ING Creditcard is silver, and the ING Platinum Card has a dark grey color. Both have the Mastercard logo, but look slightly different from your debit card. That way, you always know exactly which card you're using.
"}},{"componentType":"sectionTitle","title":"Compare the costs"},{"componentType":"paragraph","richBody":{"value":"Want to know exactly how the costs differ and what you’ll pay and when? The differences between your debit card and your credit card are given below.
| When using a debit card | When using a credit card or platinum card | |
|---|---|---|
| Payments in shops/restaurants in euro | € 0.00 | € 0.00 |
| Payments in shops/restaurants in foreign currency | 1.4% currency mark-up** | 2% currency mark-up** |
| Cash withdrawals (euro) at ATMs in the Netherlands | € 0.00 | 4% of the amount withdrawn, with a minimum of €4.50 per transaction |
| Cash withdrawals (euro) at ATMs in EEA countries | € 0.00*** | 4% of the amount withdrawn, with a minimum of €4.50 per transaction*** |
| Cash withdrawals (euro) at ATMs in non-EEA countries | € 3.50 per transaction*** | 4% of the amount withdrawn, with a minimum of €4.50 per transaction*** |
| Cash withdrawals (foreign currency) at ATMs | €3.50 per transaction*** + 1.4% currency mark-up** | 4% of the amount withdrawn, with a minimum of €4.50 per transaction*** + 2% currency mark-up** |
| Cash withdrawals (euro) at bank branches | - | 4% of the amount withdrawn, with a minimum of €4.50 per transaction*** |
| Cash withdrawals (foreign currency) at bank branches | - | 4% of the amount withdrawn, with a minimum of €4.50 per transaction*** + 2% currency mark-up** |
| Maximum withdrawal | standard limit: € 500 *cash withdrawals in Indonesia are limited to €250 | Credit card: € 400 Platinum card: € 1,000 (in max. 2 transactions) |
| Can you choose your own PIN? | No | Yes |
| When will your account be debited? | Current account debited instantly | Debited in the first week of the month |
| Can I see my transactions in My ING and the app in real time? | Yes | Yes |
| Contactless payment enabled? | Yes | Yes |
| Can contactless payment be disabled? | No | No |
| Immediately ready for use worldwide | Yes | Yes |
| Emergency cash in the event of loss or theft? | Yes | Yes |
| Do you pay overdraft interest? | Yes | Not applicable |
| Do you pay interest on the outstanding balance? | Not applicable | No, because you pay the balance monthly |
| More information | ING debit card | ING credit card |
| Are your purchases insured against damage, loss and theft? | No | Yes |
Want to know how the product features differ? You can compare the main differences below.
| When using debit card | When using credit card or platinum card | |
|---|---|---|
| Can you see your transactions in My ING and the app in real time? | Yes | Yes |
| Are your purchases insured against damage, loss and theft? | No | Yes |
| If something goes wrong with an order and it’s damaged or never delivered, are you entitled to a refund? | No | Yes, read more information about the refund service. |
| When will your account be debited? | Current account debited instantly | Debited in the first week of the month |
| Can it be used as a deposit for a booking | No | Yes |
| Can you do online payments? | Yes (Visa/Mastercard) | Yes |
| Do you pay interest on the outstanding balance? | No | No, because you pay the balance monthly |
| More information about | ING debit card | ING credit card |
If you make a payment in euro in a country that uses the euro, you won’t pay anything extra. If you’re paying in another currency and have the choice of paying in the local currency or in euro, choose the local currency. Foreign shops, restaurants, etc. usually apply a higher exchange rate to the euro than ING does, which will make it more expensive for you.
"}},{"componentType":"sectionTitle","title":"** What’s a currency mark-up?"},{"componentType":"paragraph","richBody":{"value":"ING charges a currency mark-up on all transactions in a foreign currency. The currency mark-up means that ING, when converting foreign currency into euro, adds a percentage to the amount spent.
For payments with the Maestro debit card or Mastercard, we use the exchange rates provided by Mastercard. For the V PAY debit card, we use the exchange rates provided by VISA. Exchange rates may vary by country and by day. Check the ING exchange rate calculator for the current exchange rates.
"}},{"componentType":"sectionTitle","title":"*** Cash withdrawals"},{"componentType":"paragraph","richBody":{"value":"Banks in foreign countries may charge you a fee for using their ATM. When this fee is displayed, you’ll need to confirm it to be able to complete your transaction. We’ll then collect that charge from your account along with the amount you’ve withdrawn.
"}}]}}}