Spread Payments is a revolving credit without an end date, and you pay interest on it. Because loans without an end date no longer fit with how we want to offer responsible credit, we already stopped other revolving credits earlier. That is why, as of March 31, 2027, we will also stop Spread Payments on the Credit Card and Platinum Card.
"}},{"componentType":"sectionTitle","title":"Stopping Spread Payments early"},{"componentType":"paragraph","richBody":{"value":"You can also cancel Spread Payments yourself before March 31, 2027. Your Credit Card or Platinum Card will remain usable with the same card details intact. The expenses will then be fully deducted in one go each month, without costs. You can easily cancel Spread Payments via the credit card settings in the ING App or via the button at the top of this page.
"}},{"componentType":"sectionTitle","title":"Interim checks are no longer possible"},{"componentType":"paragraph","richBody":{"value":"Did you receive a request earlier to share your financial details? That period has ended, so you can no longer submit your details. Is your credit card currently blocked? This may be because you did not respond to our request, did not contact us to discuss our proposal, or did not accept the alternative we offered.
What can you do now? There are three options:
What happens depends on whether you still have an outstanding balance on your credit card:
If there is an outstanding amount on March 31, 2027, due to purchases made with the credit card using Spread Payments and you have not canceled Spread Payments, we will block the credit card for new use, and you can only repay the outstanding amount. The monthly repayment when you use Spread Payments is 5% of the outstanding balance, with a minimum of €45 per month. You will also continue to pay interest on this outstanding balance. Once you have repaid the full outstanding balance, we will close the agreement. You can then apply for a new credit card.
If you have no outstanding amount on March 31, 2027, but still have Spread Payments, ING will automatically cancel Spread Payments for you. You can continue to use your credit card. We will then charge the full outstanding amount in one go every month.
Yes, you can cancel Spread Payments yourself before March 31, 2027. Your Credit Card or Platinum Card will remain usable with the same card details intact. The expenses will then be fully deducted in one go each month, without costs.
You can easily cancel Spread Payments via the credit card settings in the ING App or My ING.
"},"textLinks":[{"url":"/en/personal/payments/creditcards/credit-card-due-date","text":"See the collection dates for Credit Card"}]},{"title":"How do you calculate interest and the amount due for Spread Payments?","richBody":{"value":"We calculate the monthly interest on the outstanding balance at the beginning of the completed month. If you’ve made any extra payments in the completed month within 14 calendar days after the monthly close, the interest will be calculated on the unpaid balance at the beginning of the completed month minus the amount(s) that you’ve paid off.
The interest due on the completed month will be added to the outstanding balance at the beginning of the next month. That means the interest due is part of the new outstanding balance at the beginning of the next month. The interest on the completed month is stated separately in your account statement.
"}},{"title":"Do I pay extra costs for canceling Spread Payments if I want to keep my card?","richBody":{"value":"No, you don't pay extra costs for this. By canceling Spread Payments, you no longer pay interest on your outstanding amount, and the agreement will also be deregistered with the Credit Registration Bureau (BKR). The outstanding balance will be deducted from your account in one go each month from that moment.
"}},{"title":"Is it more advantageous to have a credit card without Spread Payments?","richBody":{"value":"Yes, because ING deducts the payments you have made with the card in one go each month from your account, you no longer pay interest on the outstanding amount. This means you have lower costs.
"}},{"title":"What happens if my credit card with Spread Payments is blocked?","richBody":{"value":"Above, under ‘Interim check – Spread Payments are no longer possible’, you can see what happens in your situation. Do you want to repay the amount faster to avoid interest costs or to be removed from the BKR registration sooner? Go to your Credit Card overview in the ING App or in My ING. Click on the ‘Deposit' button, enter the amount you want to repay, and confirm. After confirming the order, the outstanding amount will be immediately reduced by the deposited amount.
"}},{"title":"ING already stopped Spread Payments for me, what now?","richBody":{"value":"
Customers who have not used Spread Payments for a long time received a message in March 2025 saying that ING would automatically stop Spread Payments for them in June 2025. Did this apply to you? Your Credit Card or Platinum Card will continue to work with the same card details. Your spending will then be charged in full once a month, at no extra cost. The registration with the Credit Registration Office (BKR) will be removed.
"}},{"title":"I want to repay my credit card in instalments. Is that possible?","richBody":{"value":"It's no longer possible to apply for Spread Payments. If you already use Spread Payments, you can continue to use them until March 31, 2027.
"}},{"title":"Will I be registered with the Central Credit Registration Office (BKR) if I use Spread Payments?","richBody":{"value":"If you spread your credit card repayments, this will be registered with the Central Credit Registration Office so that banks and lenders will know you have a loan and how much you’ve borrowed. Find everything you need to know about the Central Credit Registration Office.
"}},{"title":"Can I change my type of credit card if I have Spread Payments?","richBody":{"value":"No, you can only change your type of credit card after you have stopped Spread Payments first. It'ss not possible to keep Spread Payments when you switch to a different type of credit card.
"}},{"title":"More than 5% of my outstanding balance has been collected. How is that possible?","richBody":{"value":"Sometimes the repayment can be higher because the annual card fee – the annual cost of your credit card – is charged in one go.
"}},{"title":"Can I still apply for Spread Payments?","richBody":{"value":"No, you can no longer appy for Spread Payments. Even if you stopped it by mistake, we can't renew it. The cancellation is final.
"}},{"title":"Why do I pay interest on my Spread Payments?","richBody":{"value":"Spread Payments is a form of credit. You pay interest on the outstanding amount that you still need to repay. The interest rate for Spread Payments is the same as the legal maximum credit rate. This means the interest rate can change when this legal maximum changes.
You can find the current interest rate on the rates page. If the interest rate changes, we will always inform you in advance.
"}},{"title":"Can I change the limit for Spread Payments?","richBody":{"value":"If you want to continue using Spread Payments to repay your purchases in instalments, you can do so until March 31, 2027. You can no longer increase your limit, but you can reduce it.
"}}]},{"componentType":"linkList","iconTitle":{"title":"Payments"},"textLinks":[{"url":"/en/personal/payments/bank-accounts","text":"Bank accounts"},{"url":"/en/personal/payments/pay-with-your-phone","text":"Mobile payments"},{"url":"/en/personal/payments/money-transfers","text":"Transfer money"},{"url":"/en/personal/payments/creditcards","text":"Credit cards"},{"url":"/en/personal/payments/debit-cards","text":"Debit cards"},{"url":"/en/personal/payments/cash","text":"Cash"},{"url":"/en/personal/payments/payments-abroad","text":"Payments abroad"},{"url":"/en/personal/payments/switch-to-ing","text":"Switch from your current bank to ING"},{"url":"/en/personal/payments/rates","text":"Payment product rates overview"},{"url":"/particulier/betalen/bankrekeningen/pakketvergelijken","text":"Compare packages"}]}]}}}